Your access and use of this site ("Site") is subject to the following terms and conditions ("Terms and Conditions") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, the Terms and Conditions.

Highland Capital Corporation maintains the Site for information, education and communication. Please feel free to browse the site. You may not distribute, modify, transmit, reuse, report or use the contents of the Site, including the text, images, audio and video, for public or commercial purposes, without Highland Capital Corporation’s written permission.

1. You should assume that everything you see or read on the Site is copyrighted unless otherwise noted and may not be used except as provided in these Terms and Conditions or as provided in the text on the Site without the written permission of Highland Capital Corporation. Highland Capital Corporation neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Highland Capital Corporation.

2. While Highland Capital Corporation uses reasonable efforts to include accurate and up-to-date information on the Site, Highland Capital Corporation makes no warranties or representations as to its accuracy. Highland Capital Corporation assumes no liability or responsibility for any errors or omissions in the content on the Site. The Site could include technical inaccuracies or typographical errors. Changes may be made any time to the information herein without prior notice.

3. Your use and browsing of the Site is at your risk. Neither Highland Capital Corporation nor any other party involved in creating, producing or delivering the Site is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the Site. Descriptions of, or references to, products, services or publications on the Site of third parties does not imply endorsement or approval of that product, service or publication. Without limiting the foregoing, everything on the Site is provided to you 'AS IS' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. Highland Capital Corporation also assumes no responsibility, and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing on the Site or your downloading of any materials, data, text images, video or audio from the Site.

4. Any communication or material you transmit to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as, non-confidential and non-proprietary. Anything you transmit or post may be used by Highland Capital Corporation or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Highland Capital Corporation is free to use any ideas, concepts, know-how or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information.

5. Images of people or places displayed on the Site are either the property of, or used with permission by, Highland Capital Corporation. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission provided elsewhere on the Site. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

6. The trademarks, logos and service marks (collectively the 'Trademarks') displayed on the Site are registered and unregistered Trademarks of Highland Capital Corporation and others. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Highland Capital Corporation or such third party that may own the Trademarks displayed on the Site. Your misuse of the Trademarks displayed on the Site or any other content on the Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that Highland Capital Corporation will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.

7. Highland Capital Corporation has not reviewed all of the sites linked to the Site and is not responsible for the contents of any off-site pages or any other sites linked to the Site. Your linking to any other off-site pages or other sites is at your own risk.

8. Although Highland Capital Corporation may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and the like on the Site, Highland Capital Corporation is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information contained within such locations on the Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. Highland Capital Corporation will fully cooperate with any law enforcement authorities or court order requesting or directing Highland Capital Corporation to disclose the identity of anyone posting any such information or materials.

9. Information on the Site is not intended to provide legal, accounting or tax advice and should not be relied on for such purposes.

10. Highland Capital Corporation understands your concern for security when sending information over the Internet. We have taken reasonable steps to ensure the confidentiality and security of the information you send to us via Highland Capital Corporation’s Quick Credit Application. The information you send is encrypted using Secure Socket Layers (SSL) before it reaches the Internet.

While Highland Capital Corporation has taken reasonable steps to secure any information sent utilizing the Internet we cannot guarantee that the information was not intercepted by a third party. Neither Highland Capital Corporation nor its affiliates will be responsible for any damages you may suffer when transmitting information over the Internet.

11. Unless otherwise specified the materials in the Site are presented solely for the purpose of promoting financial products and services. Your eligibility for particular products and services is subject to Highland Capital Corporation’s final determination. This Site is controlled and operated by Highland Capital Corporation from its offices within the State of New Jersey, United States of America. Highland Capital Corporation makes no representation that materials in the Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. Software from this Site is further subject to United States export controls. No software from this Site may be downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the software, you represent and warrant that you are not located in, or under the control of, or a national or resident of any such country or on any such list.

Materials in this Site are governed by and shall be construed in accordance with the domestic laws of the State of New Jersey without regard to conflicts of laws principles, that is, in accordance with the laws of that state applicable to agreements made and to be performed entirely within that state. Subject to any applicable agreements between Highland Capital Corporation and its customers requiring arbitration, in the event of any dispute relating to any of the Highland Capital Corporation products or services referred to in the Site, venue shall be in a court of competent jurisdiction in the State of New Jersey.

12. Highland Capital Corporation may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions to which you are bound.