By accessing and using the www.waiibs.in website and any pages thereof (thereafter "Site"), you acknowledge to have reviewed the following important legal information and understand and agree to the terms and conditions set therein. If you do not agree to the terms and conditions below, do not access or use this Site in any way.

Proprietary information
The works of authorship contained in this Site, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by WAI Insurance Broking Services, ("WAI IBS"). All material available on the Site, unless otherwise specifically indicated, is under copyright to Wealth Advisors. The material is freely usable for browsing purposes only but requires express mention of WAI IBS in the event that the material, or any part thereof is reproduced in any form, written or electronic. Additionally, any re-publication of this material requires the express consent of WAI IBS.

Nothing at the Site is designed to grant any license or right to use any image, trademark or logo. No act of downloading or otherwise copying from the Site will transfer any software or material at the Site to you. WAI IBS reserves all rights with respect to copyright and trademark ownership of all material at the Site, and will enforce such rights to the full extent of applicable law.

Web content and materials
The information and materials contained in this Site - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to local law and regulation. The information in the Site is descriptive of the WAI IBS as a whole and the services, securities and financial instruments described may not be available to or suitable for you.

Expressions of opinion on the Site are those of the authors only. WAI IBS or its contractual partners may discontinue or make changes in the information, products or services described herein at any time. Any dated information is published as of its date only and no obligation or responsibility is undertaken to update or amend any such information. WAI IBS reserves the right to terminate any or all web offerings without prior notice to the user.

Limited reliability
Any data, including but not limited to financial market data, quotes, news, research or information accessible through this Site (the "Information") have been obtained from sources believed to be reliable but which have not been independently verified. No guarantee, representation or warranty is given and no responsibility or liability, contingent or otherwise, as to its accuracy, completeness, timeliness or correct sequencing or for any decision made or action taken by you in reliance upon the Information is accepted. There may be delays, omissions or inaccuracies in the Information.

All such Information is provided "as it is" to the user without express or implied warranties of any kind including the warranties of merchantability, originality, non-infringement of intellectual property or fitness for any particular purpose.

Exclusion of liability
In no event, including (without limitation) negligence, will WAI IBS or its contractual partners be liable to you or anyone else for any consequential, incidental, special or indirect damages (including but not limited to lost profits, trading losses and damages) that result including (without limitation) from inconvenience, delay, loss, access or use of, or the inability to access or use, elements of the Site, difficulty in use, inaccuracy of information, computer viruses, malicious code or other defect in this Site, or for the incompatibility between this Site and files and the user's browser or other site accessing program, even if WAI IBS or its contractual partners have been advised of the possibility of such damages or losses. Some jurisdictions do not allow limitations on how long implied warranties last, the exclusion or limitation of incidental or consequential damages or the exclusion of certain implied warranties, so that these disclaimers and limitations may not apply to you. This warranty gives you specific legal rights, and you may also have other rights, which vary from jurisdiction to jurisdiction.

There is no other warranty of any kind, express or implied, regarding the information. There is no representation or warranty that the Site services will meet any user's requirements, be uninterrupted, timely, secure or error free.

No recommendation or offer of service
The information provided is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The type of securities mentioned may not be suitable for everyone. Users are urged to base their investment decisions upon the appropriate investigations that they deem necessary.

Nothing in this Site should be construed as an offer or the solicitation of an offer to purchase or subscribe or sell any investment or to engage in any other transaction. Furthermore, by offering information, products or services via this Site, no solicitation is made to any person to use such information, products or services in jurisdictions where the provision of such information, products or services is prohibited by law or regulation. You further acknowledge that none of the Information is intended as legal, tax or other advice.

Material interests
WAI IBS and/or its directors, officers and employees may have or have had interests or positions or traded or acted as market makers in relevant securities. Furthermore, such entities or persons may have or have had a relationship with or may provide or have provided corporate finance or other services to or serve or have served as directors of relevant companies.

Investment performance
The past is not necessarily a guide to the future performance of an investment. The value of investments may fall as well as rise and investors may not get back the amount invested. Changes in rates of foreign exchange may cause the value of investments to go up or down.

Please note that all your movements on this Site may be recorded and analyzed for security, marketing and system monitoring purposes, among others.

Linked sites
Links to non-WAI IBS Sites are provided solely as pointers to information on topics that may be useful to users of the Site, and WAI IBS has no control over the content on such non-WAI IBS websites. No warranties, either express or implied, concerning the content of such site, is made including the accuracy, completeness, reliability or suitability thereof for any particular purpose, nor does WAI IBS warrant that such website or content is free from any claims of copyright, trademark or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. No guarantee as to the authenticity of documents on the Internet is given. Links to non-WAI IBS websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information or services offered at such sites, or any representation regarding the content at such websites.

Furthermore, by clicking an external link you are going to interact with a third party website that may exploit any vulnerability in your browser to take control over your WAI IBS session directly from your PC. There is no representation or warranty whatsoever that this linked website or any of its software will meet your requirements regarding content, behaviour, reliability, be uninterrupted, timely, secure or error free.