Welcome to our website. Shelterwood Financial Services LLC collectively referred to in this Agreement as "SFS" or "we" or "us", maintains this Web site (the "Site") as a service to our customers and users of the World Wide Web. Please review the following terms and conditions carefully. By using or viewing this Site, you agree to be bound by these terms and conditions. You should visit this page periodically to review the terms and conditions as we reserve the right to update or revise them at any time.

1. Limited Right to Use. The viewing, printing or downloading of any text, content, images, graphics, forms, documents, data, files or other material (the "Material") from the Site grants you only a limited, nonexclusive license for use solely by you for your own internal use and not for publication, republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any Material may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your internal use (but not for resale or redistribution) without our prior written consent.

2. Editing, Deleting and Modification. We reserve the right in our sole discretion to edit or delete any documents, information, data, files or other content appearing on the Site.

3. Copyright. We authorize you to view and download the Material on this Site solely for your internal use. The Material is protected by copyright under both United States and foreign laws. You should assume that everything you see or read on this Site is copyrighted unless otherwise noted and may not be used except as provided in these terms and conditions. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the original Material on any copy you make of the Material. You may not publish, sell, distribute, modify, transmit, reuse, or use the Material (excluding your own proprietary information) for public or commercial purposes, without our written permission.

4. Trademarks. All trademarks, logos, and service marks (collectively, "Trademarks") displayed on the Site are registered and unregistered Trademarks of SFS or other third parties. Nothing contained on the Site should be construed as granting, by implication, or otherwise, any license or right to use any Trademark displayed on this Site without the written permission of SFS or such third party that may own the Trademarks displayed on the Site. Your misuse of the Trademarks displayed on the site, or any other content on the Site, except as provided in these terms and conditions, is strictly prohibited.

5. Disclaimer and Limitation of Liability. While we use reasonable efforts to include accurate and up-to-date information in this Site, the Site may contain inaccuracies and programmatic or typographical errors. We make no representations about the accuracy, reliability, completeness, availability or timeliness of the Materials, information and services contained on the Site or about the results to be obtained from using the Site. THE MATERIALS, INFORMATION AND SERVICES PROVIDED ON THE SITE ARE PROVIDED "AS-IS," "AS AVAILABLE," AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE HEREBY DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE SITE, MATERIALS, INFORMATION AND SERVICES MAY CONTAIN ERRORS, PROBLEMS OR OTHER LIMITATIONS. ALTHOUGH WE REGULARLY EMPLOY ANTI-VIRUS SOFTWARE, WE MAKE NO GUARANTIES OR REPRESENTATIONS ABOUT ANY INFORMATION OR DATA VIEWED OR DOWNLOADED FROM OUR SITE AND YOU ENGAGE IN SUCH ACTIVITY AT YOUR OWN RISK. YOU HEREBY ACKNOWLEDGE THAT, DESPITE ANY ANTI-VIRUS MEASURES THAT WE UNDERTAKE, WE MAKE NO WARRANTIES OR REPRESENTATIONS THAT SUCH MEASURES WILL PROTECT YOU AGAINST EXPOSURE TO ANY VIRUS, BUG, WORM, TRAP DOOR, BACK DOOR, TIMER CLOCK OR OTHER SIMILAR DEVICE. WE AND OUR AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF THE SITE OR ANY RELATED INFORMATION OR SERVICE. IN PARTICULAR AND WITHOUT LIMITING THE FOREGOING, WE AND OUR AFFILIATED PARTIES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF OUR MAKING THIS SITE AVAILABLE TO YOU. THIS SITE AND THE INFORMATION AND SERVICES THEREIN WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SITE SHALL CREATE OR IMPLY ANY WARRANTY, REPRESENTATION OR GUARANTEE.

6. Submissions and Use of Information. We reserve the right, and you authorize us, to the use of all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy or any other agreement between us and you. In addition, you agree that any comments or materials sent to our Site or elsewhere, including questions, comments, suggestions, or the like (collectively "Submissions"), shall be deemed to be non-confidential and non-proprietary and shall be deemed to be given to us under an irrevocable, perpetual, unlimited and worldwide license to use (with the right to sublicense) as we deem appropriate. We shall have no obligation of any kind with respect to such Submissions and we shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the obligation of any kind to you. Further, we shall be free to use any ideas, concepts, know-how or techniques contained in such Submissions for any purpose whatsoever, including but not limited to developing and marketing products incorporating such Submissions. You agree you shall have no recourse against us for any alleged or actual use, disclosure, infringement or misappropriation of any of your rights in your Submissions to us.

7. Privacy Policy. Our Privacy Policy, as it may change from time to time, is provided below and is a part of this Agreement.

8. Links to Other Web Sites. The Site may contain links to other Web sites. We are not responsible for the content, accuracy or opinions expressed in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked Web site on our Site does not imply approval or endorsement of the linked Web site by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.

9. Miscellaneous. This Agreement shall be treated as though it were executed and performed in Wilmington, Delaware and shall be governed by and construed in accordance with the laws of the State of Delaware (without regard to conflict of law principles). Any cause of action by you with respect to the Site (and/or any information, data, files, products or services related thereto) must be instituted within one (1) year after the cause of action arose or be forever waived and barred. All actions shall be subject to the limitations set forth in this Agreement. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against either party. All legal proceedings arising out of or in connection with this Agreement shall be brought solely in the federal or state courts located in Wilmington County, Delaware. You expressly submit to the exclusive jurisdiction of such courts and consent to extra-erritorial service of process. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site is in conflict or inconsistent with this Agreement, this Agreement shall take precedence. Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision.