Legal Notices & Privacy Policy

Last Modified 6-13-00

Welcome to Topgrading.com. G.H. Smart & Company, Inc. and its affiliates provide their services to you subject to the following notices, terms, and conditions. In addition, when you use Topgrading.com or any other G.H. Smart & Company, Inc. service, you will be subject to the rules, guidelines, policies, terms, and conditions applicable to such service.

COPYRIGHT

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, and software, is the property of G.H. Smart & Company, Inc. or its content suppliers and protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement, and assembly) of all content on this site is the exclusive property of G.H. Smart & Company, Inc. and protected by U.S. and international copyright laws. All software used on this site is the property of G.H. Smart & Company, Inc. or its software suppliers and protected by U.S. and international copyright laws. The content and software on this site may be used as a shopping, selling, and e-card resource. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on this site is strictly prohibited.

TRADEMARKS

G.H. Smart & Company, Inc., G.H. Smart & Company, Inc.'s trademarks may not be used in connection with any product or service that is not G.H. Smart & Company, Inc.'s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits G.H. Smart & Company, Inc.. All other trademarks not owned by G.H. Smart & Company, Inc. or its affiliates that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by G.H. Smart & Company, Inc. or its affiliates.

USE OF SITE

This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, or otherwise exploited for any commercial purpose that is not expressly permitted by G.H. Smart & Company, Inc.. G.H. Smart & Company, Inc. and its affiliates reserve the right to refuse service, terminate accounts, and/or cancel orders in its discretion, including, without limitation, if G.H. Smart & Company, Inc. believes that customer conduct violates applicable law or is harmful to the interests of G.H. Smart & Company, Inc. and its affiliates.

PRIVACY PLEDGE

We at Topgrading.com recognize the importance of protecting your personal and financial information.

Topgrading.com must sometimes obtain personal information about you in order to provide the Topgrading.com service. This information assists us in servicing your account. We understand that you may be concerned about what we do with this information.

You have our assurance that:

We are committed to safeguarding your privacy online.

We only use your personal information to help us service your account, to improve our services to you, to provide you with services you have requested, and to inform you about additional products or services that may be of interest to you.

We do not sell your personal information to third parties. We do, however, share selected information under certain conditions: (1) We share information as part of normal business operations and as part of normal legal/regulatory purposes required various government entities; and (2) We occasionally invite selected third parties to participate in offers we feel would be attractive to Topgrading.com customers.

If you wish to permanently opt-out of these offers, send an e-mail to opt-out@topgrading.com

We protect your information by placing it on the secure portion of our Web site. When you access our site using Microsoft® Internet Explorer or Netscape Navigator™, your "session" online with us is protected with a Thawte SSL certificate through server authentication and data encryption. If you choose to turn off secure browsing on your computer, you agree to use Topgrading.com at your own risk.

This Web site does not collect personally identifying information about you except when you specifically and knowingly provide it.

Topgrading.com does not use Cookies to store data on your computer.

The Topgrading.com site may contain links to other Web sites. Topgrading.com is not responsible for the privacy practices or the content of such Web sites.

DISCLAIMER

THIS SITE IS PROVIDED BY G.H. SMART & COMPANY, INC. ON AN "AS IS" BASIS. G.H. SMART & COMPANY, INC. MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, G.H. SMART & COMPANY, INC. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. G.H. SMART & COMPANY, INC. WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

APPLICABLE LAW

This site is created and controlled by G.H. Smart & Company, Inc. in the State of Illinois, USA. As such, the laws of the State of Illinois will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws. We reserve the right to make changes to our site and these disclaimers, terms, and conditions at any time.