Welcome to the corporate website of the Northern Capital Securities Corporation. By using this website, you are agreeing to be bound by, and to comply with, all of the following terms and conditions and any additional terms and conditions posted on any web page in this site or on any website that is linked to this website. Please read all terms and conditions carefully. These terms and conditions may change at any time. Please check these terms and conditions periodically for changes. In addition, when using particular services, you may be subject to additional guidelines or terms applicable to such services that may be posted from time to time or that you may be required to accept prior to using such services.

1. Our website is proprietary.

All of the text, images, marks, logos, services and other content of this website (collectively, the "Site Content") is proprietary to Northern Capital or to third parties from whom we have obtained permission. We authorize you to view, download and print the site content subject to the following conditions:

• you may only do so for your own personal and non-commercial use; 

• you may not modify the site content;

• any displays or print outs of the site content must be marked "Copyright © 2004 Northern Capital. All rights reserved."; and

• you may not remove any copyright, trademark, or other proprietary notices that have been placed in the site content.

Except as expressly permitted above, reproduction or redistribution of the site content, or any portion of the site content, is strictly prohibited without our prior written permission or the prior written permission of the holder of the copyright, as appropriate.

2. We have a Privacy Policy.

We are concerned about user privacy and operate this website under a privacy policy. Click here to review our privacy policy. We urge you to read this policy now and, because the policy is updated from time to time, later at your convenience.

3. By using this website, you agree not do any of the following things.

In addition to the other obligations described elsewhere in these terms and conditions, in exercising the limited rights granted to you under these terms and conditions, you agree not to:

• Post or provide any false, misleading or inaccurate information on or to this website;

• Use this website to threaten, harass, stalk, abuse or otherwise violate another’s legal rights;

• Link to or reframe all or any part of this website without our prior written permission; or

• Use this website in a manner contrary to any applicable law.

4. We disclaim all express and implied warranties, and we disclaim all liability for losses arising out of, or resulting from, use of this website.

WE MAKE NO REPRESENTATION OF ANY KIND REGARDING THE SITE CONTENT, OR ANY PORTION THEREOF. WE PROVIDE ALL SITE CONTENT IN "AS IS" CONDITION, AND WE EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. FURTHERMORE, WE DISCLAIM ANY WARRANTY THAT THIS SITE WILL BE AVAILABLE AT ALL TIMES OR WILL OPERATE WITHOUT INTERRUPTION OR ERROR. WE AND OUR INFORMATION PROVIDERS MAKE NO WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, COMPLETENESS OR SUITABILITY OF THE SITE CONTENT. WE EXPRESSLY DISCLAIM ANY WARRANTIES RELATING TO THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF ANY SERVICES PROVIDED ON OR THROUGH THIS WEBSITE OR RELATED WEB SITES.

You waive and agree not to assert any claims or allegations of any nature arising from or relating to your use of our website, including, without limitation, all claims and allegations relating to the alleged infringement of proprietary rights, the alleged inaccuracy of site content, or allegations that we should indemnify, defend, or hold you harmless from any claim or allegation arising from your use, republication or other exploitation of our website. You use our website at your own risk.

We and our affiliates, officers, directors, employees, agents and information providers shall not be liable for any damages you may suffer through your use of, or inability to use, this website, even if advised of the possibility of such damages. We and our affiliates, directors, officers, employees, agents and information providers shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages (including, without limitation, lost profits or revenue) arising out of your use of, or inability to use, this website, even if advised of the possibility of such damages.

5. We do not endorse any third party websites.

Our website may contain links to third-party websites. The linked sites are not under our control, and we are not responsible for the contents of any linked site. We provide these links as a convenience only, and a link does not imply endorsement of, sponsorship of, or affiliation with the linked site by us. Links to merchants or advertisers are owned and operated by independent retailers or service providers, and therefore, we cannot ensure that you will be satisfied with their products, services or business practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any of these third parties. We are not responsible or liable for any content, advertising, products, services or other materials on or available from such sites or resources. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, advertising, products, services or other materials available on or through any such site or resource.

6. By using our website, you agree to the application of Massachusetts law and jurisdiction of the courts of the Commonwealth of Massachusetts.

This website is controlled and operated by us from our offices in Andover, Massachusetts. Although we have made no effort to publish this website elsewhere, because this site is published on the World Wide Web it is accessible in all fifty states and other countries. As each of these places has laws that may differ from those of Massachusetts and from each other, and as you and we both benefit from establishing a predictable legal environment in which to publish, access and use this website, by publishing, accessing, and/or using this Web site, you and we agree that all matters arising from or relating to the use and operation of this website will be governed by the laws of the Commonwealth of Massachusetts, without regard to its conflicts of laws principles. You agree that all claims you may have arising from or relating to the operation or use of this website will be heard and resolved in the federal or state courts located in Boston, Massachusetts. You consent to the personal jurisdiction of such courts over you, stipulate to the fairness and convenience of proceeding in such courts, and agree not to assert any objection to proceeding in such courts. If you chose to access this website from locations other than Massachusetts, you will be responsible for compliance with all local laws of such other location.