Disclaimer – Annuity Lead Program 

AGREEMENT BETWEEN USER AND Brooks & Co.

The network of www.theannuityleads.com operated by Brooks & Co. or its affiliates or subsidiaries, is comprised of various Web sites and Web pages. The Brooks & Co. are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Brooks & Co. Web Site constitutes your agreement to all such terms, conditions, and notices. Your use of a particular Brooks & Co. website included within the Brooks & Co. Web Sites network may also be subject to additional terms outlined elsewhere on that website (the “Additional Terms”). Additionally, the Brooks & Co. Web Site may themselves contain additional terms that govern particular features or offers (for example, sweepstakes or chat areas). In the event that any of the terms, conditions, and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any particular Brooks & Co. website, then these terms shall control.

PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLAIMERS CAREFULLY BEFORE USING THIS WEB SITE (www.theannuityleads.com). By accessing or using this Site, you agree to these terms of use, conditions and all applicable laws. If you do not agree to these terms you may not use this Site.

MODIFICATION OF THESE TERMS OF USE

Brooks & Co. reserves the right to change the terms, conditions, and notices under which the Brooks & Co. Web Sites are offered, including but not limited to the charges associated with the use of the Brooks & Co. Web Sites. You are responsible for regularly reviewing these terms and conditions.

USE OF SITE, PERSONAL AND NON-COMMERCIAL USE LIMITATION

Unless otherwise specified, the Brooks & Co. Web Sites are for your personal and noncommercial use. You may not modify copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Brooks & Co. Web Sites.

You may display and, subject to any expressly stated restrictions or limitations relating to specific material, electronically copy, download and print hard copy portions of the material from the different areas of the Site solely for your own noncommercial use, or to place an order with Brooks & Co. or to purchase Brooks & Co. products. Any other use of materials on this Site, including but not limited to the modification, reproduction, distribution, republication, display or transmission of the content of this Site, without prior written permission of Brooks & Co. is strictly prohibited.
Harassment in any manner or form on the Site or any of the Brooks & Co. Websites, including via e-mail and chat or by obscene or abusive language is strictly forbidden. Impersonation of others, including a Brooks & Co. employee, host, or representative or other members or visitors on the Site is prohibited. You may not upload to, distribute, or otherwise publish through the Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or which may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law. You may not upload commercial content on the Site or use the Site to solicit others to join or become members of any other commercial online service or other organization.

COPYRIGHTS AND TRADEMARKS

The entire content included in this Site, including but not limited to text, design, graphics, interfaces, or code and the selection and arrangements thereof is copyrighted as a collective work under the United States and other copyright laws, and is the property of Brooks & Co.. The collective work includes works that are licensed to Brooks & Co.. Copyright 2011. ALL RIGHTS RESERVED. All trademarks, service marks, and trade names (collectively the “Marks”) are trademarks or registered trademarks of and are proprietary to Brooks & Co., or other respective owners that have granted