You assume full responsibility for using the information on Ryall Associates web sites, and understand and agree that Ryall Associates is not responsible or liable for any claim, loss, or damage resulting from its use by you or any user. While we try to keep the information on this site as accurate as possible, we disclaim any warranty, express or implied, including warranties of merchantability or fitness for a particular purpose. Ryall Associates also does not warrant that access to the site will be error free or virus free.

Copyright law protects material on Ryall Associates web sites. Reprinting or otherwise reproducing any document in whole or in part is prohibited, unless prior written consent is obtained from the copyright owner.

By choosing to use Ryall Associates web sites, you acknowledge and agree to the terms of this Disclaimer and our Privacy Policy. We reserve the right to modify these terms and policies and recommend that you review them periodically.

Therefore, the following is ryallassociates.coms’ Internet Privacy Policy:

• Your personal information is not required to visit our site. If you choose not to provide personal information, you can still visit the www.ryallassociates.com pages.
   
• Access to some areas of our site may require appropriate authorization. In that case, your unique user ID and password is required.
   
• Access to some areas of our site may require some of your personal information. In that case, this personal information will only be collected if specifically and voluntarily provided and authorized by you.
   
• We may collect personally identifiable information only if specifically and voluntarily provided and authorized by you.
   
• Personally identifying information collected will be used only in connection with www.ryallassociates.com, or for such purposes as are described at the point of collection.
   
• Some information collected is for statistical purposes only. ryallassociates.com performs analyses of user behavior in order to measure customer interest in the various areas of our sites.
   
• ryallassociates.com will make every reasonable effort to protect the personal information that you share with us as outlined in our Internet Security Policy. ryallassociates.com does not disclose, give, sell, or transfer any personal information to third parties, unless specifically and voluntarily provided and authorized by you. If we share demographic information with third parties, we will give them de-identified aggregate information only.
   
• You do not need to have cookies enabled to visit www.ryallassociates.com.
   
• A cookie is a small piece of information that is sent to your browser, along with a Web page, when you access a Web site. A cookie might track the pages you've visited, and the date when you last looked at a specific page. There are two kinds of cookies. A session cookie is a line of text that is stored temporarily in your computer's memory. Because a session cookie is never written to a drive, it is destroyed as soon as you close your browser. A persistent cookie is a more permanent line of text that gets saved by your browser to a file on your hard drive.
  
  ryallassociates.com uses both session cookies and persistent cookies.
   
• We use cookies to count the number of visitors and to improve the usability of our websites. We have set our software so that your browser will only return cookie information to the domain where the cookie originated (in this case, www.ryallassociates.com). No other site can request it. Note: Regardless of the particular uses for cookies on ryallassociates.com web sites, we will not share any cookie information with any third parties.
   
• While ryallassociates.com will make every attempt to protect the personal information that you share with us, the use of electronic mail (email) is not secure against interception. You should take any appropriate steps to assure yourself that your communication is protected.

ryallassociates.com will not obtain personally identifying information about you when you visit our site, unless you choose to provide such information.