Legal Notice, Disclaimer, and Terms of Use Access to and use of this Web site ("The Old Colony Group website") is provided subject to these terms and conditions. USE OF THIS SITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS. Use of Material on the Old Colony Group Web Site The information, artwork, text, video, audio, or pictures (collectively, "Materials") contained on the Old Colony Group Web site are protected by copyright laws. Unless you are a Old Colony Group Merchant or Partner, you may only access and use the Materials for personal or educational purposes and you must include any copyright notice originally included with the Materials in all copies. You may not modify or use the Materials for any other purpose without Old Colony Group Financial Services's ("Old Colony Group's") express written consent. Except as provided below, you may not reproduce, republish, post, transmit or distribute any Materials on the Old Colony Group Web site. Any computer software downloadable or otherwise available from the Old Colony Group Web site is licensed subject to the terms of the applicable license agreement. The Materials included on the Old Colony Group Web site have been compiled by Old Colony Group from a variety of sources, and are subject to change without notice. Sites Linked from the Old Colony Group Website The sites linked from the Old Colony Group Web site are not under Old Colony Group's control, and Old Colony Group does not assume any responsibility or liability for any communications or materials available at such linked sites. Old Colony Group does not intend links on the Old Colony Group Web site to be referrals or endorsements of the linked entities; they are provided for convenience only. Disclaimer of Warranty The services, information or data (collectively, "Information") made available at the Old Colony Group Web site are provided "AS IS", without warranties of any kind. Old Colony Group expressly disclaims any representations and warranties, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. Old Colony Group shall have absolutely no liability in connection with the services including without limitation, any liability for damage to your computer hardware, data, information, Materials and business resulting from the Information or the lack of information available on the Old Colony Group Web site. Old Colony Group shall have no liability for: Any loss or injury caused, in whole or in part, by its actions, omissions, or negligence, or for contingencies beyond its control, in procuring, compiling, or delivering the Information; Any errors, omissions, or inaccuracies in the Information regardless of how caused, or delays or interruptions in delivery of the Information; or Any decision made or action taken or not taken in reliance upon the Information furnished hereunder. Old Colony Group makes no warranty, representation or guaranty as to the content, sequence, accuracy, timeliness or completeness of the Information or that the Information may be relied upon for any reason. Old Colony Group makes no warranty, representation or guaranty that the Information will be uninterrupted or error free or that any defects can be corrected. For purposes of this section, "Old Colony Group" shall include Old Colony Group Financial Services and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data. Limitation of Liability Under no circumstances shall Old Colony Group be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, the Information, or from the use of the Internet generally. For purposes of this section, "Old Colony Group" shall include Old Colony Group Financial Services and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data.

Privacy Old Colony Group takes the privacy of visitors to our site very seriously. the following addresses some of the main privacy concerns that you might have. If you have additional questions that are not answered here, please contact us. We collect only the domain name of visitors to our web sites. We also collect "traffic" data on pages that readers access or visit and information volunteered by readers, such as that provided in on-line forms. The information we collect is used solely to improve the content of our site and services, or to provide you with requested information on our products and services. This data is not shared with other organizations for commercial purposes. We only send e-mail to visitors who request specific information (customers and partners of Old Colony Group Financial Services may receive, from time to time, information to help improve their experience with the service). If you do not want to receive e-mail from us in the future, please let us know by sending e-mail to privacy@Old Colony Group.com, by calling us at the telephone number at the end of this page or by writing to us at the address below and telling us that you do not want to receive e-mail from our company. If your browser accepts cookies we may use a cookie to determine if you are a repeat or new visitor, or to understand how many different visitors come to our sites. When we examine this data, it is always presented in an aggregate form. If you supply us with your postal address online you will only receive the information you specifically request -- never any unsolicited mail. Persons who supply us with their telephone numbers online may receive telephone contact from us with information that they specifically requested online. It will not be used for unsolicited sales or marketing information. If you ever have any questions about our privacy policy, please contact us. We respect your rights and privacy, and will be happy to answer any questions or concerns you might have. E-mail contact:Telephone contact:Mail contact: This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Old Colony Group has taken a number of steps to safeguard the integrity of its data and prevent unauthorized access to information that is stored in its various systems. These measures are designed and intended to prevent corruption of data, block unknown or unauthorized access to our systems and data, ensure the integrity of information that is transmitted between Old Colony Group and its customers, and to provide protection of confidential information that may be in our possession. For security purposes - and to make sure this service remains available to all users - Old Colony Group uses specialized software programs for monitoring and auditing network traffic to identify unauthorized attempts to upload or modify information, or otherwise to cause damage to our systems. Old Colony Group also uses industry-leading tools and encryption technology to control access to specific applications and services, protect data that is transmitted electronically between Old Colony Group and its customers and protect confidential data stored on our systems. These programs help us identify individuals attempting to tamper with any Old Colony Group site and related systems.

WARNING -- If security monitoring reveals possible evidence of criminal activity, information pertaining to such activity may be provided to law enforcement officials. Unauthorized attempts to upload or tamper with information on any Old Colony Group web site or related system are strictly prohibited and are subject to criminal prosecution. The information contained in this security statement should not be construed in any way as giving business, legal, or other advice, or warranting as fail proof, the security of information provided via any Old Colony Group web site or its related systems.