LEGAL DISCLOSURES

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This website is governed in accordance with The Website Terms of Use Agreement, as well as the conditions described within this section. Please read these items carefully, as by accessing this site you will be deemed to have agreed to them. This information is subject to change without notice to you, so we recommend that you review these items periodically. If you do not agree with these terms and conditions, do not use this site. 

Limited License and Use:

Holland Financial Inc. grants you a limited license to display the contents of this site on your computer or other electronic device you use to access this site, including printing and downloading material on this site solely for informational purposes or to interact with Holland Financial Inc., provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained. You agree not to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content.

This site is for general information purposes only and is not intended to provide you with any personalized accounting, financial, insurance, investment, legal, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice. HFS Research, a subsidiary of Holland Financial Inc., advises public companies, other entities or individuals that are required to file periodic reports with the U.S. Securities and Exchange Commission ("SEC") and the Electronic Data Gathering Analysis and Retrieval system ("EDGAR"). In connection with EDGAR services rendered, clients of HFS Research, collectively Holland Financial Inc., agree to follow and be bound by the requirements as outlined in accordance with the filing procedures of EDGAR.

Nothing on this site constitutes an offer to buy or sell products or services of any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. Any products and services described on this site are available only in jurisdictions where they may be lawfully offered for sale in the U.S. Holland Financial Inc. may only solicit the marketing of financial products and services for which Holland Financial Inc. has been duly authorized, licensed and/or registered in the jurisdiction in which the sale and/or offering occurs.

All content of this site, including:

 The Website Terms of Use Agreement, shall be governed in accordance with the laws of the U.S. and by the laws of the state of Wisconsin and you agree to adhere to jurisdiction of the courts of that state.

If you are accessing this site on behalf of another party, you confirm that you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless Holland Financial Inc. in the event the party you are acting on behalf of claims you did not have such authority, or the information you submitted was inaccurate.

No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site. To the extent any third party opinions or information are included on this site, they are provided for convenience only and Holland Financial Inc. assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.

Holland Financial Inc. may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or on a site which has been independently developed by others. As such, while accessing this site you may be linked to such other third party servers. Access to other sites or use of any third party tools or programs on this site is subject to all terms and conditions found therein.

Availability

This site, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of Holland Financial Inc.. Further, any or all of the services on this site may change at any time, with or without notice to you.

Privacy and Confidentiality

You acknowledge that Holland Financial Inc. collects and uses personal information for purposes of providing the services described on this site. Holland Financial Inc. is committed to respecting the privacy and confidentiality of information in accordance with applicable law. Holland Financial Inc. has established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties.

Without limiting any other disclaimer herein, neither Holland Financial Inc. nor any third party shall be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a user name and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that Holland Financial Inc. shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such user name and password shall constitute sufficient authority to Holland Financial Inc. to execute any transactions directed thereunder. You agree to notify Holland Financial Inc. immediately should the confidentiality of your user name and password be subjected to comprise.

E-mail Security

The security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to Holland Financial Inc. is encouraged to do so by other means.

Copyright

This site has been developed by and is the property of Holland Financial Inc.. All information and materials contained on this site are protected by copyright, trademark and/or other intellectual property laws of the U.S. and are the property of their respective owners(s). Subject to the limited license to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Holland Financial Inc.. Any infringement of the rights of Holland Financial Inc. may result in appropriate legal action.

Trademarks

Holland Financial Inc. owns or has obtained the right to use by license or otherwise the trademarks, logos and domain names used on or in connection with the goods and services that it provides and displays on this site. The trademarks are protected by U.S. trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks. 

EDGAR® and EDGAR Link® are registered trademarks of the Securities and Exchange Commission. EDGAR Lite™ is a trademark of the Securities and Exchange Commission. HFS Research is not affiliated with or approved by the U.S. Securities and Exchange Commission. 

All other trademarks are property of their respective owners.  

All companies of Bloomberg are trademarks and service marks of Bloomberg Finance L.P., a Delaware limited partnership, or its subsidiaries. All rights reserved. Holland Financial Incorporated or any of its subsidiaries have no affiliation with Bloomberg Finance L.P. or any of its subsidiaries.  

GLG is a registered trademark of Gerson Lehrman Group, New York, NY. All rights reserved. The founding shareholder of Holland Financial  Incorporated , F. Gregory Holland, is  a Council Member with GLG. Mr. Holland is not employed nor holds any directorship position with Gerson Lehrman Group.  

S&P Global Market Intelligence, is a company of   Standard & Poor’s Financial Services LLC (“S&P”),  New York, NY.  All rights reserved.  Holland Financial Incorporated, or any of its subsidiaries have no affiliation with Standard & Poor's Financial Services LLC  (“S&P”). 

Thomson Reuters and the Kinesis logo are trademarks of Thomson Reuters, Toronto, Ontario, Canada and its affiliated companies.  All rights reserved.  Holland Financial Incorporated, or any of its subsidiaries have no affiliation with Thomson Reuters or any of its companies. Thomson Reuters products trademarks followed by ® are registered trademarks of Thomson Reuters in the United States.  Thomson Reuters Products  followed by ™ are trademarks or common law marks of Thomson Reuters in the United States. 

 eVestment Alliance, LLC  does business under the following companies:   Evestment; eVestment Alliance; evestment.com; easeexchange.com; evestment.co.uk; evestment.eu; evestmentalliance.com; evestmenthfn.com; evestmenthfn.net; evestmentalliance.co.uk.   eVestment, LLC Atlanta Georgia and its affiliated entities (together, “eVestment” )  are wholly-owned subsidiaries of Nasdaq, Inc. All rights reserved.  Holland Financial Incorporated, or any of its subsidiaries have no affiliation with Evestment or any of its subsidiaries.

The foregoing organizations referenced should not be construed as any endorsement whatsoever by Holland Financial  Incorporated, nor is  any information obtained or provided by these  organizations intended to  give any inference of an affiliation, association or partnership with Holland Financial Incorporated.

General Disclaimer

While information posted on this site is believed to be reliable and accurate at the time of posting, Holland  Financial Inc. does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified, error free, or fit for any purpose.

Nothing on this site forms a contract, or a part of any contract, other than as it relates to the use of this site or as may be expressly provided. In the event of a conflict between the information contained on this site and the terms contained in any products or services offered by Holland Financial Inc. or a third party, the terms contained in any document detailing such product or service will prevail.

Neither Holland Financial Inc. or any third party, make any representations or warranties, express or implied, regarding the usability or condition of this site, that this site will operate uninterrupted or error free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.

Holland Financial Inc. expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.

You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of this site.

Without limiting the generality of the foregoing, you acknowledge and agree that neither Holland Financial Inc. or any third party, shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of Holland Financial Inc. or for any direct, indirect, special or consequential damages, even if Holland Financial Inc. has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.

Hyperlinks

This site may contain links to other sites which are not maintained or controlled in any way by Holland Financial Inc.. 

Links to any such sites that are not maintained or controlled by Holland Financial Inc. are provided for convenience only and are not to be construed as an endorsement by 

Holland Financial Inc. or any other party of the products, services, advice or opinions or any other content of such sites. Access to or use of sites to which links are provided are subject to the terms and conditions of such sites. 

You are fully responsible for any use that you make of the content contained in such sites and you are solely responsible for the consequences of any use of or reliance on such content.