Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site or any pages thereof.

Copyight (c) COST EXCEL. All Rights Reserved

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by COST EXCEL, unless otherwise indicated.

Trademarks

COST EXCEL and the logo are registered trademarks and service marks. COST EXCEL may also claim trademark and service mark rights in other marks contained in the pages.

Use of Information and Materials

The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final COST EXCEL determination and acceptance. Investment products are not obligations of or guaranteed by COST EXCEL. Investment services are not bank deposits or insured by any entity, and are subject to investment risks, including possible loss of the principal amount invested.

No Warranty

The information and materials contained in this site, including text, graphics, links or other items - are provided "as is," "as available". COST EXCEL does not warrant the accuracy, adequacy or completenes s of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of Liability

In no event will COST EXCEL be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if COST EXCEL, or representatives thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by COST EXCEL.

Submissions

All information submitted to COST EXCEL via this site shall be deemed and remain the property of COST EXCEL. COST EXCEL shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides COST EXCEL through this site. COST EXCEL shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the COST EXCEL, entity having the direct customer relationship or as otherwise specifically agreed or required by law.