Legal Considerations

Terms and Conditions of Investing Online
Our Privacy Policy
Legal Disclaimer
Business Continuity Plan

Terms and Conditions of Investing Online

The following terms and conditions govern the use of the VIPO.com Web site and online investing accounts with Vipo Securities. ("Vipo" or "we"). By using your online investing account, you agree to the following:
You acknowledge, represent and warrant that you have received a password which provides access to your account and that you are the sole and exclusive owner, jointly and severally, and are the only authorized user(s) of such password and accept sole responsibility for use, confidentiality, and protection of the password as well as for all orders and information changes (for example, change of email address) entered into your account using such password.
You accept full responsibility for the monitoring and safeguarding of your accounts. You will immediately notify Vipo in writing, delivered via e-mail and certified/return receipt requested U.S. Mail, if you become aware of any loss, theft, or unauthorized use of your password and account number; or any failure by you to receive a message from us.
We will assume no responsibility or liability if you fail to immediately notify Vipo of any of these conditions.
Communications may be sent to you at your postal or electronic mail address or at such other address as you may hereafter give to us in writing or enter on the Web site. All communications so sent, whether by mail, email, telegraph, messenger, or otherwise, shall be deemed delivered and received, whether actually received or not.
Any financial market information, news, and research (collectively "Information") accessible through this site are prepared by third parties that are independent of Vipo. None of the information constitutes a recommendation or a solicitation by Vipo or a recommendation or solicitation that any particular investor should purchase or sell any particular security in any amount, or at all. The Information is not intended to provide tax, legal, or investment advice. Neither Vipo nor any third party assesses for you, or any particular investor, the suitability of any particular investment. The Information provided herein is for personal use and not for resale.
The Information Vipo receives and makes available to customers is from sources believed to be accurate and reliable. Nevertheless, neither Vipo nor the Information providers guarantee the accuracy, timeliness, completeness, or correct sequencing of the Information, nor warranty any results from use of the Information. Information has been prepared as of the date(s) indicated and may become unreliable because of subsequent market or economic circumstances. Neither Vipo nor any Information provider is under any obligation to update Information or continue to offer Information regarding any company or security.
Vipo will not be liable for losses incurred directly or indirectly by causes beyond its control, including but not limited to: government restrictions, natural disasters, wars, strikes, exchange or market rulings, interruptions of data processing services or communications, or disruptions in orderly trading on any market or exchange.
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Our Privacy Policy

We at Vipo Securities know that privacy is important to you. We recognize that our clients are our most important asset, and we protect the information you entrust to us. You have many choices of financial services firms, and our commitment to excellent service is why you choose to maintain a relationship with us.
When you browse the public areas of our website, you remain anonymous. We do not keep track of your email address or other personal information. We do maintain standard website traffic logs that record what Web pages are visited, where our visitors arrive from, and so on. This information is only used statistically, and only to improve your experience at VIPO.com.
Certain areas of our website are not public, but are available only to our clients. In order to become a client, you must voluntarily give us information about yourself and your investment experience. We never share this information with unrelated third parties except as required by law or to conduct our business.
We collect and maintain several kinds of nonpublic personal information about you. We ask for basic information such as your telephone number and social security number. We ask for information related to your financial status and investor experience, such as age, occupation, income, and prior investments. Much of this information we are required to ask for in accordance with federal law and the regulations of the Financial Industry Regulatory Authority (FINRA). As your relationship with us develops, we will also accumulate records about investments and financial services that you choose.
We share your nonpublic personal information with our affiliates who are also financial service companies. Our affiliates are bound to this privacy policy as well. We may use basic information about you for marketing purposes. We do this by notifying you via email, regular mail, or telephone about financial opportunities that may be of interest to you. We will never sell or give your information to any other party for marketing purposes. If you cease being a client of ours, then we will continue to protect and use your information in the same way.
We share some of your nonpublic personal information with outside parties, such as our website host, attorneys, and accountants, to the extent necessary to offer you services. We also share your information with the Securities and Exchange Commission, self-regulatory organizations, credit rating agencies, and other nonaffiliated third parties as required or permitted by law.
We are very committed to security, both as good business practice and because of our fiduciary responsibility toward clients. When you voluntarily give us information about yourself by using one of our electronic forms on our website, we require that you use a secure session. To do this, you must use a Web browser that is capable of making a secure connection, as most modern browsers are. This helps protect the information as it is sent from you to our website. The information that you give us is stored on our website temporarily and in a secure area. We regularly remove the information by secure means and delete it from our website. At our own facility, we use good security practices and policies to store your personal information and restrict access to it.
If you have any questions about our privacy policy, please email us at info@vipo.com or call us at 562.624.0808.
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Legal Disclaimer

You acknowledge that data, including email, electronic communications and personal financial data, may be accessed by unauthorized third parties when communicated between you and Vipo Securities ("Vipo") and other parties using the Internet, other network communications facilities, telephone or any other electronic means. You agree to use software produced by third parties, including, but not limited to, "browser" software that supports a data security protocol compatible with the protocol used by Vipo. Until notified otherwise by Vipo, you agree to use software that supports the Secure Socket Layer (SSL) protocol or other protocols accepted by Vipo and follow Vipo's log-in procedures for services that support such protocols. You acknowledge that Vipo is not responsible for notifying you of any upgrades, corrections or enhancements to any such software or for any compromise of data transmitted across computer networks or telecommunications facilities, including, but not limited to, the Internet.
The services you access by computer provide you with the capability to send electronic communications, such as email, directly to Vipo and to interact directly with the applicable division that handles the services you require. You agree to provide Vipo with your email address, promptly provide Vipo with any changes to your email address and accept electronic communications from Vipo at the email address you specify. Any change of address is expected to be effective 3 days after receipt by Vipo.
All content included on this Web site, such as text, images, logos, button icons, images, and audio and video clips is the property of Vipo, its affiliates, or its content suppliers, and is protected by U.S. and international copyright laws. The compilation of all content on this Web site is the exclusive property of Vipo, and is protected by U.S. and international copyright laws. All software used on this Web site is the property of Vipo, its affiliates, or its software suppliers and is protected by U.S. and international copyright laws. The content and software on this Web site may be used as a resource for personal use only. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance of the content on this Web site is strictly prohibited.
Vipo provides links to third party Web site(s) solely as a courtesy to our visitors. Vipo makes no representations as to the accuracy of the information set forth on third party Web site(s). All third party Web site(s) shall be solely responsible for the content thereof.
Vipo and its agents may only transact business in a state in which it is licensed to do so, or after satisfying the qualification requirements of that particular state, or if an applicable exemption is available. The posting of information on this Web site is not an offer to buy or sell securities to residents of states in which Vipo or its agents are not registered or qualified. For information concerning state securities laws, contact your state securities law administrator.
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Our Business Continuity Plan

Various unusual events may disrupt our business, and we have developed a business continuity plan to address the possibility of significant business disruption. In accordance with our plan, we attempt to protect our paper and electronic data through redundant storage techniques backed up locally and remotely.
The mildest disruptive events that we foresee is a loss of some communication to our office, such as a telephone line failure. Slightly more severe is a shutdown of our office from, for example, a power failure or building evacuation. In either of these events, we encourage or customers to attempt several forms of communication (telephone, fax, mail):

Vipo Securities
562.624.0808
562.624.0836
562.624.0832 fax
100 W Broadway, Suite 310
Long Beach CA 90802

A long-term loss of our office or a city-wide disruption of substantial duration might require us to relocate our office. In these cases, we expect to carry on business from a temporary office while establishing a new office. Any new office location would be identified on our website and known to our personnel.
Since our personnel are located entirely within the western United States, a regional disruption might affect all personnel, in which case we would likely cease business for some period of time. After a brief or mild event, such as region-wide severe weather, we would continue business at the same location. After a more serious or extended event, we would assess our ability to continue operations at all. We might need to establish a new office, possibly recovering data from backup, in which case we would inform our customers and vendors and post new information on our website. Alternatively, after a serious enough disruption, we might commence regulatory action to cease business entirely.
The scenarios contemplated here are for illustration only, and our actual response in case of a business disruption will depend on the specific nature of the event. We cannot foresee or plan for all possible disruptive events, and the very nature of an emergency may prevent us from communicating our actual plans or remedies in a timely manner. Any updates to our business continuity plan will be posted on our website and may be requested by mail.