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The opinions expressed in JPMARTIN are solely the opinions held by Jose Paul Martin and other editorial staff. Any such published opinions are general in scope and are not intended to be, and should not be construed as, recommendations or advice to any particular individual(s), group(s), or other entities. The general opinions contained in JPMARTIN may not be appropriate for every individual, group, or entity to rely or act upon because the financial situation of each and every individual, group or other entity is different and comprised of numerous factors which are not known by or reasonably available to JPMARTIN and/or Jose Paul Martin. JPMARTIN and Jose Paul Martin are not licensed financial advisors and any statement or opinion contained within JPMARTIN and/or by Jose Paul Martin, should not be construed as a representation of such licensure. Readers and other recipients of the information and opinions contained in JPMARTIN and/or from Jose Paul Martin are solely responsible for any action or inaction they may or may not take based upon the opinions and information expressed in JPMARTIN. Jose Paul Martin and JPMARTIN are not responsible for the consequences of any actions or inactions taken by any reader or other recipient of the information and opinions contained in JPMARTIN and/or by Jose Paul Martin. Readers to JPMARTIN and other recipients of the information and opinions contained therein, are encouraged to independently investigate and verify the information found on AVCIOn and to independently verify the stated bases for any opinions expressed in JPMARTIN and/or by Jose Paul Martin. Trading or Investing is subject to risk which a reader accepts as one of the costs of engaging in such activities. Information and opinions provided on JPMARTIN and/or by Jose Paul Martin are not guarantees of success. As with other types of investing, the reader should be aware that losses as well as successes may occur and have occurred in the past.

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Upon the death or disability of Jose Paul Martin, this website and membership will be closed and any membership rights will be terminated without refund. The heirs of Jose Paul Martin are to assume no responsibility, financial or otherwise, for continuing the website or fulfilling membership services or obligations that existed before his death or disability.

JPMARTIN LLP may, in its sole discretion, terminate your use of the JPMARTIN Web site for any reason, including, without limitation, if it is believed that you: (1) have breached these Terms and Conditions; (2) infringed the intellectual property right of a third party; (3) provided any information that JPMARTIN LLP is unable to verify or authenticate; (4) uploaded or transmitted unauthorized content to the Web site; or (5) violated or acted inconsistently with the letter or spirit of these Terms and Conditions. You agree that any termination of your access to the Web site may be effected without prior notice to you.

If any provision of this agreement is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement, and shall not affect the validity and enforceability of any remaining provisions.

Any delay or failure on the part of JPMARTIN LLP to enforce any rights under these Terms and Conditions to which it may be entitled shall not, in any event, be construed as a waiver of the right and privilege to do so at any subsequent time.

JPMARTIN LLP reserves the right to change or modify these Terms and Conditions at any time. Any change or modification made by JPMARTIN LLP will be effective immediately upon posting on the Web site and your continued use of the Web site means that you have agreed to accept any changes or modifications made by JPMARTIN LLP. THIS AGREEMENT WAS LAST UPDATED ON 15 JANUARY, 2010

If you have any questions about the Terms and Conditions or you have concerns regarding your use of our Web site, you can contact Jose at jpm@jpmartin.com.