Grant of License for Downloaded Materials:

F&G grants you a non-exclusive, non-transferable, limited license to use one copy of the downloaded materials for your own internal use at your own business or personal location. All other copying, reproducing, modifying, loaning, leasing, distributing, selling, reselling, renting or transferring of the downloaded materials or incorporating the downloaded materials is expressly restricted and prohibited. You are not permitted to use the downloaded materials for any commercial purpose. Notwithstanding anything in this paragraph, F&G retains all ownership, title, and other rights in the downloaded materials. Unless otherwise specified, all downloaded materials and all information on this web site, including text, site designs, graphics, logos, icons and images are protected by copyright and are the sole property of F&G.

Attorney/Client Relationship:

You are advised that any legal information posted on the friestad.com web site is written to conform to general applicability and is not tailored to relate to your specific needs or factual scenario. As such, you should speak to one of our attorneys before making any decisions based upon the information on the web site. Information on the friestad.com web site is posted for informational purposes only and does not constitute legal advice. Your review of information or downloading of materials does not create an attorney-client relationship with F&G. An attorney-client relationship is created only where a retainer agreement is signed or electronically authenticated between you and F&G, and you submit the fee or retainer relative to the services you have requested.

Privacy and Data Security:

Any personal or confidential information provided by you to F&G will be used only for the purpose for which it was provided, and shall not be disclosed to any third party unless otherwise necessary in relation to the purpose for which the information was provided to F&G. F&G will keep your personal or confidential information in the strictest confidence and shall not sell, rent, or trade your personal or confidential information. F&G will use appropriate encryption and security techniques to maintain the confidentiality of all information electronically submitted by you to F&G. You acknowledge that there are no guarantees, however, concerning the privacy of any electronic transmittal of information.

Disclaimers:

INFORMATION AND DOWNLOADED MATERIAL PROVIDED BY F&G IS PROVIDED "AS IS" AND F&G MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO SUCH INFORMATION AND DOWNLOADED MATERIAL. THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR PURPOSE, AND NON-INFRINGEMENT ARE EXPRESSLY DISCLAIMED. F&G MAKES NO WARRANTY AS TO THE ACCURACY OR COMPLETENESS OF INFORMATION OR DOWNLOADED MATERIALS OBTAINED FROM THE friestad.com WEB SITE, NOR DOES F&G WARRANT THAT ANY ELECTRONIC DATA DOWNLOADED FROM THE WEB SITE WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. You assume full responsibility for any errors or damages resulting from the quality and performance of the information and downloaded material.

Indemnification:

You agree to defend, hold harmless, and indemnify F&G from any and all damages, liabilities, costs, losses, and expenses (including legal costs and attorneys' fees) arising out of or connected with any claim, demand, or action by a third party which is based upon a claim that you engaged in conduct inconsistent with any of the terms or conditions of this Agreement of Terms, or upon a claim that you have misused any of the services provided herein by F&G.

Choice of Forum:

This Agreement of Terms of Use shall be deemed to have been made in the State of California and its validity, construction, performance, and breach shall be governed by the laws of the State of California applicable to agreements made and to be wholly performed therein. You agree to submit to the jurisdiction of the federal or state courts located in San Diego, California, in any action which may arise out of this Agreement of Terms of Use or the information or downloaded material provided from the friestad.com web site. Said courts shall have exclusive jurisdiction over all disputes between you and F&G pertaining to this Agreement of Terms of Use and all matters related thereto.

BY ACCESSING THE friestad.com WEB SITE OR REVIEWING OR DOWNLOADING THE INFORMATION POSTED THEREIN, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.