LEGAL DISCLAIMER

Access to and use of RNIA's website and its contents are subject to the disclaimers, terms and conditions set forth below, and all applicable laws and regulations in the United States, including all applicable export laws, regulations and restrictions, all of which are subject to change and revision from time to time without prior notice. The RNIA reserves the right to terminate access to this website or take other actions it reasonably believes necessary to comply with the law or to protect its rights. Any access or attempt to access this website for any unauthorized purpose is strictly prohibited.

Except as otherwise identified, the trademarks appearing on this website, whether registered or unregistered, are the property of RNIA. Such marks may not be used without the written permission of RNIA or the identified owner of the trademarks. Except as otherwise identified, the copyright in the content of this website is owned by RNIA. No part of RNIA's website may be copied or reproduced for commercial purposes without the express written permission of RNIA or the identified owner of the information and content. However, one copy of the content on any or all pages of this website may be made by the user for personal use.

The user acknowledges that electronic communications, databases and websites are subject to errors, malfunctions, tampering and break-ins, or that use thereof may result in damages to the user's systems or operations. While RNIA will implement reasonable precautions to attempt to prevent such occurrences, the user further acknowledges that RNIA does not guarantee such events will not take liable for any such occurrences. The user shall be solely responsible for ensuring that any information or content downloaded from RNIA's website or any other website accessed from RNIA's website does not contain any virus or other computer software code or subroutine designed to disable, erase, impair or otherwise damage its systems, software or data, and the user shall indemnify, defend and hold RNIA harmless from any liability, claim, cost or damage arising out of any third-party claim or suit caused by such virus or code or subroutine.

RNIA advises all users to exercise discretion while browsing the Internet. Hyperlinks on RNIA's website and other websites may direct users to websites containing information that some people may find offensive or inappropriate. Such linked websites are not under the control of RNIA, and RNIA makes no representations concerning any such websites. RNIA is not responsible for the accuracy, intellectual property compliance, legality, legitimacy or decency of any information or content contained on any websites accessible directly or indirectly via a hyperlink to or from RNIA's website.

The information and content provided on RNIA's website and the user's access of RNIA's website does not create a client-consultant or any other professional relationship between the user and RNIA. By making this website available, RNIA is not engaged in rendering any industry-related, legal, accounting, tax, consulting, investment or other professional advice or services to the user or any other party. The information and content provided on this website is not intended to be relied upon for making business, investment or other decisions. ALL INFORMATION AND CONTENT ON OR OBTAINED THROUGH THIS WEBSITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND. THE USER HEREBY WAIVES ALL OTHER WARRANTIES RELATING THERETO, INCLUDING BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR WARRANTY AGAINST INTERFERENCE OR INFRINGEMENT. RNIA DOES NOT WARRANT THAT THE USE OF RNIA'S WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY ERROR OR DEFECTS WILL BE OR CAN BE CORRECTED. SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, IN WHICH CASE SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO ALL USERS.

RNIA SHALL NOT IN ANY EVENT BE LIABLE TO ANY USER OR TO ANY THIRD PARTY FOR ANY DIRECT DAMAGES, LOST PROFITS, REVENUES, BUSINESS OPPORTUNITIES OR BUSINESS ADVANTAGES WHATSOEVER, NOR FOR ANY SPECIAL, CONSEQUENTIAL, INDIRECT OR INCIDENTAL LOSSES, DAMAGES OR EXPENSES DIRECTLY OR INDIRECTLY RELATING TO THE USE OR MISUSE OF THE RNIA WEBSITE, OR THE INFORMATION OR CONTENT, WHETHER SUCH CLAIM IS BASED UPON BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, GROSS NEGLIGENCE, STRICT LIABILITY IN TORT OR ANY OTHER THEORY OF RELIEF, OR WHETHER OR NOT RNIA IS INFORMED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES.

If any part of this disclaimer is held to be invalid, the remaining parts will continue to be valid and enforceable.

If the user has any questions or comments regarding RNIA's website or would like to obtain permission to use any of the information or content in RNIA's website, please contact us.