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These Terms and Conditions herein referred to as “Terms” outline the rules and regulations for the use of  Shandel Financial's herein referred to as “Shandel” Site, located at ShandelFinancial.com herein referred  to as “Site”. 

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By accessing this Site, we assume you accept these Terms. Do not continue to use the Site if you do not  agree to all of the Terms stated on this page. 

The following terminology applies to these Terms, Privacy Policy Statement herein referred to as  “Privacy”, Disclaimer Notice and all other Agreements: "Client", "You" and "Your" refers to you, the  person login to this Site and compliant to the Company’s Terms. "The Company", "Ourselves", "We",  "Our" and "Us", refers to our Company. "Party", "Parties", or "Us", refers to both the Client and  ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake  the process of our assistance to the Client in the most appropriate manner for the express purpose of  meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with  and subject to, prevailing law of Fairfax County, Virginia USA. Any use of the above terminology or  other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and  therefore as referring to same.

Cookies 

We employ the use of cookies. By accessing the Site, you agreed to use cookies in agreement with the  Shandel’s Privacy Policy. 

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used  by our Site to enable the functionality of certain areas to make it easier for people visiting our Site. Some  of our affiliate/advertising partners may also use cookies. 

License 

Unless otherwise stated, Shandel and/or its licensors own the intellectual property rights for all material  on the Site. All intellectual property rights are reserved. You may access this from Site for your own  personal use subjected to restrictions set in these Terms. 

You must not: 

• Republish material from the Site 

• Sell, rent or sub-license material from the Site 

• Reproduce, duplicate or copy material from the Site 

• Redistribute content from the Site 

This Agreement shall begin on the date hereof. 

Parts of this Site offer an opportunity for users to post and exchange opinions and information in certain  areas of the Site. Shandel does not filter, edit, publish or review Comments prior to their presence on the  Site. Comments do not reflect the views and opinions of Shandel, its agents and/or affiliates. Comments  reflect the views and opinions of the person who post their views and opinions. To the extent permitted by  

applicable laws, Shandel shall not be liable for the Comments or for any liability, damages or expenses 

caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on  this Site. 

Shandel reserves the right to monitor all Comments and to remove any Comments which can be  considered inappropriate, offensive or causes breach of these Terms. 

You warrant and represent that: 

• You are entitled to post the Comments on our Site and have all necessary licenses and consents to  do so 

• The Comments do not invade any intellectual property right, including without limitation  copyright, patent or trademark of any third party 

• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise  unlawful material which is an invasion of privacy 

• The Comments will not be used to solicit or promote business or custom or present commercial  activities or unlawful activity 

You hereby grant Shandel a non-exclusive license to use, reproduce, edit and authorize others to use,  reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content 

The following organizations may link to our Site without prior written approval: 

• Government agencies 

• Search engines 

• News organizations 

• Online directory distributors may link to our Site in the same manner as they hyperlink to the  websites of other listed businesses; and 

• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping  malls, and charity fundraising groups which may not hyperlink to our Site 

These organizations may link to our home page, to publications or to other Site information so long as the  link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of  the linking party and its products and/or services; and (c) fits within the context of the linking party’s  website. 

We may consider and approve other link requests from the following types of organizations: 

• commonly-known consumer and/or business information sources 

• dot.com community sites 

• associations or other groups representing charities 

• online directory distributors 

• internet portals 

• accounting, law and consulting firms; and 

• educational institutions and trade associations 

We will approve link requests from these organizations if We decide that: (a) the link would not make Us  look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any 

negative records with Us; (c) the benefit to Us from the visibility of the hyperlink compensates the  absence of Shandel, and (d) the link is in the context of general resource information. 

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b)  does not falsely imply sponsorship, endorsement or approval of the linking party and its products or  services; and (c) fits within the context of the linking party’s website. 

If you are one of the organizations listed in paragraph 2 above and are interested in linking to Our Site,  you must inform Us by sending an e-mail to Shandel. Please include your name, your organization name,  contact information as well as the URL of your website, a list of any URLs from which you intend to link  to Our Site, and a list of the URLs on Our Site to which you would like to link. Wait 2-3 weeks for a  response. 

Approved organizations may hyperlink to our Site as follows: 

• By use of Our corporate name; or 

• By use of the uniform resource locator being linked to; or 

• By use of any other description of our Site being linked to that makes sense within the context  and format of content on the linking party’s website. 

No use of Shandel's logo or other artwork will be allowed for linking, absent of a trademark license  agreement. 

iFrames 

Without prior approval and written permission, you may not create frames around Our webpages that alter  in any way the visual presentation or appearance of Our Site. 

Content Liability 

We shall not be hold responsible for any content that appears on your website. You agree to protect and  defend Us against all claims that is rising on your website. No link(s) should appear on any website that  may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates  the infringement or other violation of, any third-party rights. 

Your Privacy 

Please read Privacy. 

Reservation of Rights 

We reserve the right to request that you remove all links or any particular link to Our Site. You approve to  immediately remove all links to Our Site upon request. We also reserve the right to amend these Terms  and it’s linking policy at any time. By continuously linking to Our Site, you agree to be bound to and  follow these linking Terms. 

Removal of links from our Site 

If you find any link on Our Site that is offensive for any reason, you are free to contact and inform Us any  moment. We will consider requests to remove links but We are not obligated to do so or to respond to you  directly.

We do not ensure that the information on this Site is correct, We do not warrant its completeness or  accuracy; nor do We promise to ensure that the Site remains available or that the material on the Site is  kept up to date. 

Disclaimer 

To the maximum extent permitted by applicable law, We exclude all representations, warranties and  conditions relating to Our Site and the use of this Site. Nothing in this disclaimer will: 

• limit or exclude Our or Your liability for death or personal injury 

• limit or exclude Our or Your liability for fraud or fraudulent misrepresentation • limit any of Our or Your liabilities in any way that is not permitted under applicable law; or • exclude any of Our or Your liabilities that may not be excluded under applicable law 

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are  subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including  liabilities arising in contract, in tort and for breach of statutory duty. 

As long as the Site and the information and services on the Site are provided free of charge, We will not  be liable for any loss or damage of any nature to anyone. 

Questions or Comments 

If you have any questions or comments about this Terms, please feel free to contact Our security  compliance personnel at ATM@ShandelFinancial.com