Website Terms of Use

Legal Notice

This website (www.lsaportfolios.com) (the "Site") is owned and operated by Life Strategies Analytics, Inc. d/b/a LSA Portfolio Analytics, its subsidiaries or its affiliated companies ("Company," or "we," "us" or "our"). Company maintains the Site as a service to its Subscribers and Visitors (as those terms are defined below), subject to the following terms and conditions concerning the use of the Site ("Terms of Use"). When any person or entity ("you" or "your") access or use the Site, you accept the Terms of Use; if you do not agree to the Terms of Use you may not use the Site. Company reserves the right to modify the Site and these Terms of Use periodically without prior notice, at any time.

Use of Site Content

You may view, download, and print content from the Site subject to the following conditions: (a) only persons who are subscribers to the Company’s information or publications available through this Site ("Subscribers") may access portions of the site that are restricted to Subscribers; (b) persons who are not Subscribers ("Visitors") may not view the Company’s information or publications that are only available to Subscribers through this Site ("Subscription Content") even if a Subscriber provides its user name and password to such Visitor; (c) the content on the portions of the Site viewable by Visitors may be used solely for the purpose of understanding the goods and services provided by Company, and the Subscription Content may be used solely by the Subscriber for the purposes allowed by, and subject to, the terms of the License Agreement (as defined below); and (d) the Site and any content may not be modified or altered in any way, whether online (i.e., as displayed on the URL for the Site) or after you download it, provided that Subscription Content from the Site may be modified or altered consistent with the terms and restrictions of the License Agreement for such Content. You may not copy, reproduce, republish, modify, create derivative works from, distribute or otherwise use any content or material from the Site other than as explicitly permitted by these Terms of Use.

Any unauthorized reproduction or distribution of the information on this Site, including but not limited to forwarding emails written by Company and any sharing of Subscriber usernames and passwords, will constitute a breach of the relevant agreement with Company (whether of these Terms of Use or any License Agreement), which will result in the immediate termination of that Subscriber’s subscription, with no refund provided.

You may not do any of the following without the express written consent of Company: (a) frame or utilize framing techniques to enclose any portion of the Site, including (but not limited to) any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Company; (b) use any metatags or any other "hidden text" or code utilizing Company's name or trademarks, whether on your web site or in any

other manner, or; (c) use any Company URL, logo or other proprietary graphic or trademark as part of a link to the Site.

You agree that you will not use any robot, spider, scraper or other fully or partially automated means to access the Site or any portion of Company’s network for any purpose, including (but not limited to) "screen scraping" or "database scraping" or other data aggregation. Additionally, you agree that you will not: (a) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large load on our infrastructure; (b) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (c) bypass any measures we may use to prevent or restrict access to the Site.

You do not acquire any ownership rights to any content in or on the Site. Any unauthorized use terminates the permission and/or license granted by Company to you under these Terms of Use.

If you are a Subscriber, the rights of you and the Company in any Subscription Content that you download from the Site ("Work") are governed by the terms and conditions of the Company’s License Agreement, which is currently located at www.lsaportfolios.com/license (the "License Agreement").

Reviews, Comments, Communications, and Other Content

You may submit comments and other content on sections of the Site that permit such submission so long as the comments or content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property rights of Company or any third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of unsolicited commercial e-mail. You may not use a false e-mail address, impersonate any person or entity, or otherwise provide misleading information concerning the origin of the content. You may not post comments or content unless such comments or content are posted in accordance with applicable law.

By submitting information, you grant Company a nonexclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to reproduce, use, modify, publish, adapt, translate, create derivative works from, distribute, and display such content throughout the world in any media. By submitting information you also represent and warrant that that the content is accurate; you own or have permission to use the content that you submit; the content complies with applicable law; and, the use of the content will not cause injury to any person or entity.

You understand that others may also submit comments and other content on sections of the Site that permit such submission. Company has the right (but not the duty) to monitor and, in its discretion, delete all or part of such comments and other content, but Company assumes no responsibility for such third party comments or content submitted to the Site, and you review such comments or content at your own risk.

Products and Services Offered By Company on the Site

Company offers products and services on the Site. When you sign up to obtain a product or service from Company on the Site, you accept the specific agreement applicable to that product or service. Without limiting the previous sentence, if you purchase a license to any Subscription Content, you also become subject to the terms of the Company’s License Agreement (which is currently located at www.lsaportfolios.com/license), and Return and Refund Policy (which is currently located at www.lsaportfolios.com/refund). Your use of any such product or service offered on the Site is governed by the terms and conditions of the agreement for that product or service. Except as provided in that agreement, Company does not warrant that any product descriptions or content contained in the Site (including, but not limited to, any Subscription Content) is accurate, current, reliable, complete, or error-free.

YOU MUST BE 18 YEARS OF AGE AND A PROPERLY LICENSED SECURITIES OR INVESTMENT PROFESSIONAL TO PURCHASE A LICENSE TO ANY SUBSCRIPTION CONTENT.

Copyright Information

The Site, its content, any Work and any Subscription Content are the exclusive property of Company and are protected by United States copyright laws and international treaty provisions. The compilation, organization and display of the content as well as all software and inventions used on and in connection with this Site are the exclusive property of Company. Company reserves all rights in the Site and its content that are not specifically granted to any other person or entity in any agreements with Company or in these Terms of Use.

Copyright Notice and Complaints under the Digital Millennium Copyright Act

If you believe that your work has been copied or used on the Site in a way that constitutes copyright infringement, please follow these notice and procedural steps for making a claim of copyright infringement under the Digital Millennium Copyright Act.

Designated Agent:

Address to Which

Notification Should Be Sent:

LSA Portfolio Analytics

Ryan Kasper

211 F NW Executive Way

Lee’s Summit, MO 64063