Changes to the Terms and Conditions
Fred L. Lake & Co. may change these terms and conditions of use at any time, without prior notice. If you access or use the Web site after Fred L. Lake & Co. posts a change, you accept that change. If you do not accept the change, do not access or use the Web site. You should check these terms and conditions of use periodically.

Site Use Policies
Access and Use of the Web site
Fred L. Lake & Co. grants you a limited license to access and use the Web site, including to display, copy, distribute and download its content, only for your personal, non-commercial use and provided that you do not modify the Web site, its content, or any copyright or other proprietary notices. This license terminates automatically if you breach any of these terms and conditions of use. Upon termination, you must immediately destroy all copies in your possession.

Unauthorized use of the Web site or any content may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Restrictions on Use of the Web site
Except as expressly authorized above, you may not copy, modify, distribute, download, display, transfer, post, or transmit the Web site or its content in any form without Fred L. Lake & Co.'s prior written permission.

Accuracy of Information and Disclaimer of Warranty
Fred L. Lake & Co. has made every effort to present the content on the Web site accurately, but additions, deletions and changes may occur. Content on the Web site is provided “as is”; neither Fred L. Lake & Co. nor its representatives make any representation or warranty with respect to the content.

Fred L. Lake & Co. and its representatives specifically disclaim, to the fullest extent permitted by law, any and all warranties, express or implied, relating to the Web site or its content, including but not limited to, implied warranties of merchantability, completeness, timeliness, correctness, noninfringement, or fitness for any particular purpose.

Limitation of Liability
Under no circumstances will Fred L. Lake & Co. or its affiliates have any liability with respect to any claims or damages (whether direct or indirect, special, incidental, consequential or punitive) as a result of your access or use of (or inability to access or use) this Web site or its content, even if they have been advised of the possibility of such damages. You access and use this Web site at your own risk.

Ownership & Copyright
The material provided on this Web site is protected by law, including, but not limited to, United States copyright law and international treaties. The copyright in the content of the Web site is owned by Fred L. Lake & Co. or others. Except for the limited rights granted above, all other rights are reserved.

"Fred L. Lake & Co.", the "Fred L. Lake & Co. logo" are trademarks of Fred L. Lake & Co. and may not be used in connection with any product or service that is not Fred L. Lake & Co's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Fred L. Lake & Co. All other trademarks not owned by Fred L. Lake & Co that appear on this site are the property of their respective owners.