TERMS AND CONDITIONS OF USE FOR OUR WEB SITE

Effective October 1, 2008

Introduction. The following terms and conditions govern your use of this website (www.DiscountInvestmentAdvisor.com). Your use of this website and Content (defined below) constitutes your acceptance of these terms and conditions. If you do not agree with these terms and conditions, you should immediately cease use of this website and Content.

This website presents information and content that is owned or licensed by Mueller Asset Management. When used in these Terms and Conditions, "we" and "our" mean Mueller Asset Management and “you” and “your” refers to any individual, company, or legal entity that accesses or otherwise uses this website.

Security and Use of Password. Certain additional information and services available on this Site are accessible to you if you have been provided with a Username and Password (“Password User“), including access to information about your Mueller Asset Management account. Use of the additional information and services shall be subject to additional terms and conditions. You, as a Password User, are solely responsible for (1) maintaining the confidentiality of the password and user ID, and (2) all activities that occur by users of the password and user ID. Mueller Asset Management shall have an obligation to determine if the user of the password and user ID is the Password User. The Password User shall immediately notify Mueller Asset Management of any loss or theft of the password, or if the confidentiality of the password has otherwise been compromised in any way. Mueller Asset Management will not be responsible or liable for any loss, expense, or damage arising in any way from use of the password and user ID and/or the accessing of information or materials here within.

Links to Other Web Sites. As a convenience to you, this Site may provide links to other Web sites. The inclusion of any such link does not imply any type of endorsement by Mueller Asset Management of the linked site, its operators or any of the content, advertising, information, links, products, services or other material available on or through such sites. Mueller Asset Management has no control over the linked sites and is not responsible or liable for any content, advertising, information, links, products, services or other materials available on such sites. Mueller Asset Management is not responsible for the privacy practices of these linked sites. Mueller Asset Management 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, information, links, products, services or other material available on or through any such linked site.

Ownership and Use of Content. All of the information and content on this website, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files and photos, trademarks, service marks and trade dress ("Content") is owned or licensed by Mueller Asset Management. The Content is protected worldwide by applicable intellectual property laws. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. Mueller Asset Management reserves the right to terminate at any time your right to make personal copies of Content. You must obtain Mueller Asset Management’s prior written consent (if we agree) before you use the Content on any other website or in a networked computer environment for any purpose, or before you republish or redistribute the Content, or otherwise use the Content for any purpose other than your personal, non-commercial use. You may not frame the Content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in Content are reserved.

Changes. Mueller Asset Management reserves the right to change the Content on this website and these Terms and Conditions from time to time at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of this website constitutes your acceptance of any change or update, all of which shall become controlling when posted.

Additional Information. All information, other than personal information subject to Mueller Asset Management’s Internet Privacy Policy, submitted to Mueller Asset Management through this website is the property of Mueller Asset Management. Mueller Asset Management is free to use any ideas, concepts, know-how or techniques that you may submit to Mueller Asset Management through this website for any purpose, including but not limited to, improving our services. We are not subject to any obligations of confidentiality regarding any submitted information except as specified in Mueller Asset Management’s Internet Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.  Incentive offers (Free books ect.) apply only to paid subscribers.  A user must register to the site and submit payment for a three month subscription in order to receive any free offers or special incentives.

NO LIABILITY. Neither Mueller Asset Management, any of its agents, nor any other party involved in creating, producing, or delivering this website or Content is liable for any direct, incidental, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, this website or any Content.

NO WARRANTY. Your use of this website and Content is at your own risk. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations as to the accuracy or timeliness of the Content. Content may become inaccurate as a result of developments after its publication on this website. Mueller Asset Management assumes no responsibility to keep Content current or to correct inaccuracies or errors in Content. The Content on this website and the operation of it are provided “as is” and Mueller Asset Management disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

IN NO EVENT SHALL MUELLER ASSET MANAGEMENT OR ITS DATA PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR ANY OTHER DAMAGES WHATSOEVER ARISING OUT OF OR IN ANY WAY CONNECTED WITH (1) THE USE OR PERFORMANCE OF THE SITE OR ANY HYPERLINKED SITE, (2) THE DELAY OR INABILITY TO USE THE SITE IN WHOLE OR IN PART, (3) ANY RELIANCE BY YOU ON INFORMATION PROVIDED ON OR THROUGH THIS SITE OR ANY HYPERLINKED SITE, OR ON THE RELIABILITY, ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS THEREOF, (4) ANY USE BY YOU OF E-MAIL, OR (5) TERMINATION OR MODIFICATION BY MUELLER ASSET MANAGEMENT OF THE SITE OR ANY SERVICES OR INFORMATION PROVIDED THEREON, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MUELLER ASSET MANAGEMENT OR ITS DATA PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

IN ADDITION TO AND WITHOUT LIMITING THE FOREGOING, MUELLER ASSET MANAGEMENT SHALL NOT BE LIABLE FOR ANY HARM CAUSED BY THE TRANSMISSION, VIA USE OF THE SITE, OF A COMPUTER VIRUS OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT ACCESS, MODIFY, DELETE, DAMAGE, CORRUPT, DEACTIVATE, DISABLE, DISRUPT, OR OTHERWISE IMPEDE IN ANY MANNER THE OPERATION OF ANY OF YOUR SOFTWARE, HARDWARE, DATA OR PROPERTY.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS AND CONDITIONS OF USE OF THE SITE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS SITE.

United States Only. The services and products described and information provided through this website are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Mueller Asset Management to any registration requirement within such jurisdiction or country. Persons who access this website do so on their own initiative, and are responsible for compliance with applicable local laws and regulations. Software and other materials from this website may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. Mueller Asset Management prohibits your downloading or exporting of software or other material from this website in violation of U.S. Export Laws and the laws of your resident country. By downloading software or other material from this website, you represent and warrant that you are able to do so in full compliance with the laws of the United States and your resident country.

PRIVACY POLICY

The effective date of this Privacy Policy is October 1, 2008 and any changes to the policy will be reflected on this web site. It is the policy of Mueller Asset Management ("MAM") to protect the privacy of our clients who share personal and financial information with us in the course of receiving financial services from MAM. We treat your information as confidential and recognize the importance of protecting access to it.

This privacy statement applies to the DiscountInvestmentAdvisor.com website. It does not apply to any linked sites. To learn about the privacy policy of a linked site, please refer to the privacy statement for that site.

MAM protects your privacy and treats as confidential any personal or financial information we receive in the course of providing our financial services to you. We are providing you with our Privacy Policy in accordance with Title V of the Gramm-Leach-Bliley Act and its implementing regulations.

Categories of Information We Collect
MAM collects and maintains information about our clients and site visitor ship data so that we can evaluate your financial needs and provide a range of financial services. You may provide information to MAM when communicating with us electronically or by phone.

For instance, we may collect the following personal information about you:

• Information we receive from you, such as your name, e-mail address, and address

For instance, we may collect the following site visitor ship data

• The pages visited on our site, the features used, how long a visitor stays, the domain name of the site from which visitors connect to our site

We use this personal information to better help evaluate which portfolio best suits you. It can also be used to tell you about products or services we offer. We use site visitor ship data to develop, manage, and improve the website.

Protecting Your Privacy - We do not disclose any nonpublic information about our clients or former clients to anyone, except as requested or authorized by our clients, as necessary to process a transaction or service an account, as requested by regulatory authorities, or as otherwise permitted by law. 

We may disclose information about you or your account with companies that perform administrative or marketing services for MAM or with a research firm we have hired. When we enter into such a relationship, our contracts restrict the companies' use of client information, requiring them to maintain the confidentiality of such information.

We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.