April 24, 2010
USER AGREEMENT
Use of this website is expressly conditioned upon acceptance by the user of the following terms and conditions:
1. Introduction
Pharos International Risk Advisors, LLC (“Pharos Advisors”) has prepared and maintains this website as a courtesy to its clients and others interested in the mitigation of and insurance against political risk in emerging markets. The information offered from time to time on this website is intended to provide only general guidance to its users. Users are free to study the materials set out in this website and copy them for their personal and non-commercial use. Users may not redistribute, sell or create derivative works from the materials contained in this website without prior authorization in writing from Pharos Advisors.
2. Copyright
This website is protected in its entirety by U.S. copyright laws and international conventions. Copyright protection extends to all aspects of the content of the website, including its text, graphics, images, buttons and layout, and logos, trademarks, service marks. The content of this website may not be copied or posted on any other website, in any network computer or broadcast in any media, nor can the content be modified in any manner.
3. Privacy
Pharos Advisors strives for the highest degree of integrity in its dealings with clients, underwriters, and host governments. Accordingly, it seeks to afford a high standard of protection to the information about its customers and other users of this website that comes into its possession.
The information saved and stored by Pharos Advisors, including information that customers and website users have provided to Pharos Advisors and information about such customers and users that Pharos Advisors has collected from commercially available sources deemed to be credible, is used by Pharos Advisors to process customer applications, respond to customer requests for guidance, and facilitate dealings with host governments. When stripped of elements that reveal the identity of any particular party, the information may also be used for purposes of business reporting, marketing, and statistical analysis. At no time will this information be rented or sold to third parties.
Pharos Advisors may collect information from users of this website by means of “cookies” (a small text file placed on the hard drive of such user). The cookies assist Pharos Advisors to customize access of the user to the website and facilitate site navigation. They also permit Pharos Advisors to monitor the quality of online service and compile aggregate statistics about site users and the way they use the site. Pharos Advisors does not use the cookies to collect non-public personal information about the users of its website.
By modifying their Internet browser settings, website users may elect to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If the use of cookies is rejected, a user will be unable to benefit from those of Pharos Advisors’ services and activities that require the setting of cookies.
Pharos Advisors makes all reasonable efforts to protect the personal information of its clients and website users that is under its control. Such information will be released, however, in response to a formal legal demand of a governmental entity or agency. Pharos Advisors may also release such information to governmental authorities in conjunction with efforts to investigate or prevent illegal activities of any type or violation of this User Agreement.
4. Links to Other Websites
Pharos Advisors offers links to other websites, including social networks, as a convenience to its clients and the users of this website. The linked sites are not under the control of Pharos Advisors and they are not monitored by Pharos Advisors on a regular basis. Pharos Advisors, therefore, makes no representation about the content or accuracy of these linked sites. Their inclusion in this website does not imply an endorsement, recommendation, or sponsorship of the sites or of any products, services or advice discussed in the sites.
No one may link to this website without the prior written permission of Pharos Advisors.
5. Disclaimers
USE OF THIS WEBSITE IS AT THE SOLE RISK OF THE USER. ALL MATERIALS CONTAINED IN THIS WEBSITE ARE PROVIDED TO USERS ON AN “AS IS” and “AS AVAILABLE” BASIS. PHAROS ADVISORS DOES NOT MAKE ANY WARRANTY OF ANY KIND, WHETHER EXPRESS, STATUTORY, OR IMPLIED WITH RESPECT TO THE CONTENTS OF THIS WEBSITE OR TO OTHER SITES TO WHICH IT IS LINKED. ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT ARE EXPRESSLY DISCLAIMED. SIMILARLY, PHAROS ADVISORS MAKES NO REPRESENTATIONS NOR OFFERS ANY WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF THE CONTENT OF THIS WEBSITE OR OF ANY SITE TO WHICH IT IS LINKED. PHAROS ADVISORS SHALL NOT BE LIABLE TO ANY PARTY FOR ANY CLAIM OF DAMAGE OR LOSS, NO MATTER HOW OCCASIONED, IN CONJUNCTION WITH ACCESS TO OR USE OF THIS WEBSITE OR OF ANY SITE TO WHICH IT IS LINKED.
Pharos Advisors periodically alters, improves and updates the contents of this website without notice. UNDER NO CIRCUMSTANCES SHALL PHAROS ADVISORS BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY DELAY OR FAILURE TO UPDATE THE CONTENTS OF THIS WEBSITE OR FOR ITS INTERRUPTION.
IT IS THE RESPONSIBILITY OF THE USER OF THIS WEBSITE TO TAKE PRECAUTIONS SUFFICIENT TO INSURE THAT ANY CONTENT THAT IS VIEWED OR DOWNLOADED IS FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. PHAROS ADVISORS DISCLAIMS ANY LIABILITY FOR LOSS FOR ANY HARM CAUSED BY USE OF THIS WEBSITE OR OF ANY WEBSITE TO WHICH IT IS LINKED.
Users of this website agree that Pharos Advisors is not liable for the conduct of any user.
This website may from time to time contain statements, opinions and advice formulated by Pharos Advisors or by third parties, including statements, opinions and advice that may discuss investment prospects or investment opportunities. Pharos Advisors does not warrant the accuracy of or endorse such material. Nothing in this website or in any website to which it may be linked shall be construed, either explicitly or implicitly, as offering any investment recommendations. Reliance on all such material is at the sole risk of users of this website and of others to which it may be linked, and Pharos Advisors disclaims all liability with respect thereto. It is the responsibility of users of this website to evaluate the accuracy, completeness, and usefulness of any statements, opinions, or advice contained in this website and in any other websites to which it may be linked.
As a condition of use of this website, each user agrees to indemnify Pharos Advisors and hold it harmless from any and all actions, claims, loss, damage, liability, and expense (including reasonable legal fees) arising out of use of this site. If a user is dissatisfied with any material on the website or with any of the conditions of its use, such user’s sole and exclusive remedy is to discontinue using the website.
6. Dispute Resolution
This User’s Agreement shall be governed and interpreted in accordance with the laws of the District of Columbia, United States of America, without reference to its choice of law rules. Any claim arising out of or relating to this agreement shall be adjudicated in the federal courts of Washington, D.C., U.S.A.