© 1999 forward look, inc.

All rights reserved

 

Legal Notices

 

Access to the forward look, inc. Web site defined below is provided by forward look,inc. For the purposes of this agreement, "FL" shall mean forward look, inc. and its subsidiaries, affiliates, and their officers, directors, managing directors, partners, and employees. The "forward look Web site" shall mean the Web site of forward look, inc.,available to the general public and located at forwardlook.com, and other select domains.

 

DISCLAIMERS

 

While all attempts have been made to verify information provided through this service, neither the authors, publishers, or FL assume any responsibility for errors, omissions or contrary interpretation of the subject matter herein. This service is not intended for use as a source of legal or accounting advice. All readers should retain competent counsel to determine what international, national, federal, state, provincial and-or local laws or regulations may apply to the user's particular business. The user of this service assumes sole responsibility for the utilization of these materials and information. Adherence to all applicable laws and regulations, international, national, federal, state, provincial and local, governing professional licensing, business practices, advertising and all other aspects of doing business in the United States, Canada, or any other jurisdiction is the sole responsibility of the user. FL assumes no responsibility or liability whatsoever on behalf of any user of this service.

 

The fact that FL has made the data and services provided on this Web site available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product described on this Web site is suitable or appropriate for you. Many of the products described on this Web site involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and has independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.

 

DOCUMENTS ON THIS WEBSITE

 

Permission to use all documents, including white papers, press releases, datasheets and FAQs (collectively "Documents"), from this site is granted, provided that:

 

  • The copyright notice reproduced below appears on all copies of Documents (along with the phrase "Reproduced by Permission" located on all Documents) is not removed or altered and appears along with the phrase "Reproduced by Permission" on all copies of Documents. You are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information

  • Documents from this website are used solely for informational, non-commercial or personal use. You are permitted to store, display, analyze, modify, reformat, and print the information made available to you via this services only for your own use

  • Documents will not be used, reproduced, copied, displayed, performed or posted on any network computer or broadcast in any non-print media without the express written consent of FL; and

  • Documents are not modified in any manner whatsoever. Any use of Documents for purposes other than those listed herein is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

 

In addition, FL reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify, or remove any of the information on the FL Web site. These terms and conditions of Use are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by FL or the third party providers from whom FL has obtained the information. You are required to read and abide by any additional terms and conditions that may be posted on this service from time to time concerning information obtained from specific third party providers. Such third party providers shall have no liability to you for monetary damages on account of the information provided to you via this service.

Documents specified above do not include the design or layout of the forwardlook.com website or any other websites owned, operated, licensed or controlled by FL. Elements of the FL websites are protected by trade dress and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any FL website may be copied or retransmitted unless expressly permitted by FL in writing.

 

INFORMATION COLLECTED BY forward look, inc.

 

In the course of using the forwardlook.com site, certain information is automatically collected. This information includes your assigned username, connecting URLs, the type of browser you are using and your IP address. Many sites automatically collect this information. FL may collect any correspondence between you and FL such as e-mails or letters. Your use of the products and services on this Web site may be monitored by FL, and that the resultant information may be used by FL for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.

 

HOW forward look, inc. USES YOUR INFORMATION

 

FL will use your information to improve FL's internal marketing and promotional efforts, to statistically analyze site usage and trends, to improve the content and offerings on the forwardlook.com site and to customize the forwardlook.com site for the purpose of better meeting users' needs. We may also, in some cases, use such information to deliver information to you that is targeted to your interests.

 

INFORMATION PRIVACY

 

FL will not rent or sell any information about you to any third party. Aggregated information regarding users may be sold to third-party advertisers. In such circumstances, no information will be disclosed that could be decompiled to identify you.

 

Your privacy is Important to FL. In the course of serving you as a client, FL may obtain personal information about you. Obtaining this information is important to our ability to deliver the highest level of service to you, but we also recognize that you expect us to treat this information appropriately.

 

This policy describes the types of information we may collect about you, the purposes for which we use the information, the circumstances in which we may share the information, and the steps that we take to safeguard the information to protect your privacy.

 

The personal information we collect about you comes primarily from the customer applications or other forms and materials you submit to FL during the course of your relationship with us. We may also collect information about your transactions and experiences with FL relating to the products and services FL provides. In the provision of related services to you and subject to strict compliance with all applicable laws and regulations, information may be collected about you indirectly from monitoring or other means (e.g., recording of telephone calls and monitoring e-mails). In these circumstances, the information is not accessed on a continuous or routine basis but it may be used for compliance or security purposes.

 

In order to provide efficient and reliable services, and to improve product and service options available to you, more than one entity within FL may be given, or given access to, your personal information. For example, one FL entity might share your information with another FL entity in order to facilitate product and service delivery or the performance of specialised services. When so sharing your personal information, we adhere to applicable legal and industry standards regarding the protection of personal information. Under limited circumstances, your personal information may be disclosed to third parties as permitted by, or to comply with, applicable laws and regulations, for instance, when responding to a subpoena or similar legal process, to protect against fraud, and to otherwise cooperate with law enforcement or regulatory authorities, or with organizations such as exchanges and clearinghouses.

 

LINKS TO THIRD PARTY WEBSITES

 

This site contains links to other sites maintained by third parties. FL is not responsible for the privacy practices or the content of such Web sites. All links to third party websites may load in a new and seperate browser window from the current forwardlook.com site. FL is providing such links solely as a convenience to you. Accordingly, FL makes no representations concerning the content of these third-party sites. The fact that FL has provided a link to these sites does not constitute an endorsement, authorization, sponsorship, or affiliation by FL with respect to the site, its owners, or its providers. FL has not tested any information, software, or products found on any of the sites and therefore does not make any representations with respect thereto, including any representations regarding the content or sponsors of the site, or the suitability or appropriateness of the products or transactions described therein.

 

SYSTEM INTEGRITY

 

You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the forwardlook.com web site.

As a result of high network traffic, transmission problems, systems capacity limitations, and other problems, you may, at times, experience difficulty accessing the Web site or communicating with FL through the Internet or other electronic and wireless services. Any computer system or other electronic device, whether, it is yours, an Internet service provider's or FL's can experience unanticipated outages or slowdowns, or have capacity limitations.

 

INFORMATION SECURITY

 

FL is committed to implementing the highest standards of information security to protect the privacy and confidentiality of your information. We limit access to your information to authorized FL employees or agents and, as described above. Other central features of our information security program are:

 

  • a dedicated group that designs, implements, and provides oversight to our information security program;
     

  • use of specialized technology such as firewalls;
     

  • testing of the security and operability of products and services before they are introduced to the Internet, as well as on-going scanning for publicly-known vulnerabilities in the technology;
     

  • internal and external reviews of our Internet sites and services;
     

  • Monitoring of our systems infrastructure to detect weaknesses and potential intrusions;
     

  • Implementing controls to identify, authenticate and authorize access to various systems or sites;
     

  • Protecting non-public communications through encryption or other means; and
     

  • providing FL personnel with relevant training and continually updating our security practices in light of new risks and developments in technology.

 

The following additional information will be of interest to you if you access FL products or services through one or more FL Web sites:

 

  • Users of FL Web sites may be required to identify and authenticate themselves prior to accessing our services. Generally, identification and authentication take place through the use of your user name and a password, or with an RSA SecurID Card and a Personal Identification Number ("PIN").
     

  • The private FL Web sites are built upon a secure infrastructure with multiple layers of protection, including measures ranging from proper physical security of our machines to system intrusion detection capabilities. Within such private sites, FL uses industry standard encryption technologies to protect your information from external compromise.
     

  • Security is a cooperative effort between FL and the users of the FL Web sites. Please remember that your password, RSA SecurID Card and PIN are personal to you and should not be made available to any other person. Also, you should discontinue their use and notify us if you have any reason to suspect that someone else may be using them.
     

  • "Cookies" are small text files consisting of information stored by your Web browser. This information is used for administrative purposes and to improve your experience with our Web sites. For example, this information helps authenticate you (i.e., verify that you are who you say you are), an essential component of site security. Cookies also make it easier for you to navigate a FL Web site by, among other things, "remembering" your identity so that you do not have to input your password multiple times as you move between pages or services. You can set your Web browser to inform you when cookies are set, or to prevent cookies from being set. However, if you decline to use cookies, you may experience reduced functionality, and declining to use authentication related cookies will prevent you from using the Web site altogether.
     

  • "Clickstream" or similar data (e.g., information regarding which of our Web pages you access, the frequency of such access, and your product and service preferences) may be collected and shared internally within FL in order to assess the usage, value and performance of our online products and services and, if you are an FL client, to suggest products or service offerings that may be of interest to you.

 

Notwithstanding the above, FL makes no warranty whatsoever, express or implied, regarding the security of the FL Web site, including the ability of unauthorized persons to intercept or access information transmitted by you through this service.

 

GENERAL NOTICE

 

This Website does not constitute an offer to sell or a solicitation of an offer to purchase any securities of FL in the United States of America or in any other jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Users of this Website are requested to inform themselves about and to observe any such restrictions.

forward look, inc. is a private company registered in Delaware (United States of America) and is not regulated by any financial supervisory bodies.

 

TRADEMARKS

 

forward look, inc., forward•look, the forward look, inc. logo, forwardlook.com, forward look.org, ContextStreams™, ContextMetrics™, IOTA™, O R O™, RiskForecast™, riskforecast.com, riskforecast.net, and riskforecast.org are the property of forward look, inc. Any other trademarks appearing in the FL website are the property of their respective owners.

 

CONTACTING forward look, inc.

 

If you have any questions about these legal notices, the practices on our Web site, or your dealings with FL, please contact:

 

forward look, inc.
8 Faneuil Hall Marketplace
Third Floor
Boston, Massachusetts
US 02109-6114