Legal Information

• Terms of Use Welcome to the Sirak Financial Companies site. These are the terms and conditions that you must follow if you use our site. Your use of our site indicates your acceptance of these terms and conditions.
• Ownership of Our Site This site is owned and operated by Sirak Financial Companies (referred to as "SFC," "we," and "our"). All content included on our site, such as photographs, illustrations, images, text, audio clips, video clips, and software (referred to as "Content") is owned by SFC or our Content providers. All Content is protected by US and international copyright laws. For the protection of SFC and our Content providers, images may be watermarked and/or digitally watermarked.
• Your Use of the Content You may use the Content for your personal, noncommercial home use only. This means that you may view, browse through, and listen to the Content on your computer. Except for music and video, you may also download or copy one copy of the Content on a single computer for your personal, noncommercial home use, provided you retain all credits and copyright notices associated with the Content. Excepting these limited uses, you may not reproduce, distribute, transmit, or otherwise exploit the Content in any way. In particular, you may not include the Content in any other publication or product, or on any other Web site or computer network. In addition, you must abide all other terms, conditions, and restrictions contained in any other agreement associated with the Content throughout our site.
• Trademark Ownership "Sirak Financial Companies" is a registered trademark of SFC. You may not use our trademark without our written permission.
• Disclaimers OUR SITE AND THE CONTENT ARE PROVIDED TO YOU ON AN "AS IS" BASIS. WE MAKE NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO: THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW. Although we use our reasonable best efforts to ensure the accuracy of the Content on our site, we make no representations or warranties as to the accuracy, correctness, or reliability of the Content. Further, we make no representations or warranties that the functional aspects of our site will be uninterrupted or error-free, or that our site or the server that makes it available are free of viruses or other harmful components. (Because some jurisdictions do not allow for the exclusion of implied warranties, some of these exclusions may not apply to you.) You acknowledge that your use of our site is at your own risk. As a convenience, our site links to other sites that may be of interest to you but are not under our control. These links do not imply an endorsement by SFC, and we are not responsible for the availability of or the content contained in any linked site.
• Limitation of Liability Neither SFC nor our Content providers will be responsible or liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from your access to or use of the Content on our site.
• Additional Terms You are bound by this agreement when you access our site and until you have destroyed all Content that you have downloaded or copied from our site; you are, in addition, bound by this agreement whether you downloaded or copied the Content under the terms of this agreement or otherwise. This agreement is governed by the laws of the State of Ohio, USA, without giving effect to any principles of conflicts of law. We reserve the right to make changes to our site and to this agreement at any time without notice.