WELCOME TO THE CAPSTONE ADVISORY GROUP, LLC ("Capstone") WEB SITE (the “Site”), A PROPERTY OF CAPSTONE. PLEASE READ THE FOLLOWING TERMS AND CONDITIONS BEFORE USING THIS SITE. If you do not agree or cannot comply with these Terms and Conditions, please do not access or otherwise use this Site. By using this Site, you signify your agreement to these Terms and Conditions and agree to be bound by the same.

These rules represent the current Terms and Conditions for use of this Site which may change without giving notice to you individually. Your continued use of the Site after such changes have been posted signifies your assent and agreement to the new Terms and Conditions, even if you have not reviewed the changes.  Therefore, you should check the Terms and Conditions posted on the Site periodically for updates and changes.

Acceptable Use

You may only use this Site for lawful purposes and may not disrupt, modify or interfere with this Site, any associated software, hardware or servers or any use of this Site by third parties. Please check to make sure that your use of this Site complies with all applicable local, state and federal laws.  We may restrict your access or revoke your right to use this Site without giving you notice.

Any textual or graphic materials or other Works (described below) that you copy, print, or download are licensed to you by Capstone for your personal use only. Under no circumstances may you modify any of the textual or graphic materials or other Works found on this Site or create derivative works therefrom. Should you fail to comply with any provision of these Terms and Conditions, this limited license will automatically terminate.

Hyperlinks

We are not responsible for, and do not endorse the contents or information provided on any hyperlinked Sites operated by unaffiliated third parties which may be provided to you for your reference. By using this Site to link to another site, you understand that you may not make any claim against Capstone or any damages or losses caused by said linking.

You may not link your website to any page on this Site without the express written consent of Capstone. Additionally, you may not frame any information located on this Site on another site without the express written consent of Capstone. Such consent may be requested by sending an email request to This e-mail address is being protected from spambots. You need JavaScript enabled to view it . The permission granted herein to link to the Capstone home page may also be revoked at any time without cause. Further, you may not link any site that (i) violates any law or regulation; (ii) infringes the patent, copyright, trademark, trade secret or other intellectual property rights of others or violates any privacy, publicity or personal rights of others; or (iii) contains defamatory, obscene, threatening, abusive or hateful information or expressions.

Intellectual Property

Capstone Advisory Group, LLC, the Capstone logo and Capstone are service marks of Capstone. Other trademarks appearing on this Site are the property of their respective owners. Use of any service marks owned by Capstone or use of Capstone's service marks as metatags is strictly prohibited without Capstone's express written permission. Capstone does not grant you any express or implied right under any of its service marks, copyrights or any other proprietary information appearing on the Site. In the event that you are granted any permission to use Capstone's service marks or copyrights, you acknowledge that you will not gain any ownership rights to the same.

The aggregated and individual contents of this Site including, without limitation, text, photographs, graphic images, sounds, music, video, interactive features and other materials (the “Works”) are protected under US and foreign copyright and other intellectual property law. You have no right or license to reproduce, copy, edit, publish, frame, mirror, sublicense, disassemble, decompile, reverse engineer or transmit the Works except as set forth explicitly herein without our express written permission.

Disclaimers

You are using this Site at your own risk. Capstone has no duty or policy to update any information or statements contained on this Site and, therefore, such information or statements should not be relied upon as being current as of the date you access this Site. Changes may be made without notice to the graphic and textual materials available on this Site and/or the services offered by Capstone described therein. The materials available on this Site may also include technical inaccuracies or typographical errors. Capstone does not promise you that there will be no errors transmitting information to and from this Site.

You agree to waive any claims you may have against us for any damages that you may incur as a result of using this Site. Capstone may, however, make claims against you for use of this Site that violates our policies as posted on this Site. In addition, you agree to indemnify us for any claims brought against us for damages or expenses (including without limitation attorneys’ fees and expenses) that result from your use of this Site or violations of our Terms and Conditions as posted by Capstone on this Site. .

The content on this Site does not form any part of a subsequent contract entered into with any party purchasing products or services from Capstone.

THIS SITE AND MATERIALS ARE PROVIDED ON AN "AS IS" BASIS, FREE OF CHARGE, WITHOUT ANY WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. CAPSTONE, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS OR IMPLIED. IF YOUR USE OF THE SITE OR THE MATERIALS THEREIN RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, CAPSTONE IS NOT RESPONSIBLE FOR THOSE COSTS.

CAPSTONE DOES NOT WARRANT THE ACCURACY, RELIABILITY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION CONTAINED ON THIS FREE SITE. CAPSTONE DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS AVAILABLE ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE MATERIALS, THIS SITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU (AND NOT CAPSTONE) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR AND CORRECTION.

Disclaimer of Consequential Damages

IN NO EVENT SHALL CAPSTONE, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THIS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THIS SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT CAPSTONE IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

If, notwithstanding the foregoing, Capstone or any third party provider or distributor should be found liable for any loss or damage which arises out of or is in any way connected with any of the above described functions or uses of the Site, the Capstone service marks or the Works, the liability of Capstone  and the third party providers and distributors shall in no event exceed, in the aggregate, the greater of (a) the subscription fee and service charge, if any, for accessing the Site or Works, or (b) US$100.00.

Privacy Policy

Capstone believes that your privacy is important. Capstone receives names and email addresses only when personally submitted by users on any information request screen. Information request screens allow users to ask specific questions of Capstone, request information about Capstone's services, offer feedback, comments, or suggestions about Capstone's services. Additional information may be gathered without users' knowledge by Capstone. Any such information submitted or otherwise obtained enables Capstone to respond to user inquiries and measure its Site users' needs, interests, and ideas for future Site development. Capstone respects the privacy of users visiting us at http://www.capstoneag.com/ and does not send unsolicited emails or any direct marketing materials. Capstone also does not provide your personal information to any third parties. Capstone, however, does not guarantee however that your personal information will remain private. If you would like to change or delete any information that you have submitted to Capstone, please contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

General

These Terms and Conditions constitute the entire agreement between you and Capstone relating to access and use of this Site and supersede any prior or contemporaneous representations or agreements. Any rights not specifically granted by these Terms and Conditions are reserved by Capstone. You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder.

This Agreement shall be deemed severable.  In the event that any provision is determined to be unenforceable or invalid, such provision shall nonetheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions.

The relationship between Capstone and you will be that of independent contractors, and neither of us nor any of our respective officers, agents or employees will be held or construed to be partners, joint ventures, fiduciaries, employees or agents of the other. Nothing in these Terms and Conditions shall be construed to give any benefits to any person or entity, whether in the individual capacity or otherwise, other than you or Capstone, which are the only intended beneficiaries hereunder.

This Site is controlled by Capstone from its offices within the State of New Jersey, United States of America. Capstone makes no representation or warranty that the materials in this Site are appropriate or available for use in any locations outside of the United States. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.  Any claims regarding this Site will be governed under New Jersey law and may only be brought in the Federal or state courts located in the State of New Jersey. Therefore, by accepting these Terms and Conditions, you are agreeing to submit to the jurisdiction of such courts for any claims arising out of your use of this Site.