TERMS AND CONDITIONSWelcome to www.frosinaholdings.com. The information offered by Frosina Holdings LLC and its affiliates (together, “Frosina Holdings”) on this website (the “Site”) is subject to the terms and conditions below (the “Terms and Conditions”). The Terms and Conditions apply to all users. By entering the Site or by transmitting any information to the Site you acknowledge and agree to all the Terms and Conditions. Please read them carefully. If you do not agree to the Terms and Conditions, you do not have permission to access, browse or use the Site. Any use of or access to the Site in a manner inconsistent with these Terms and Conditions is unauthorized and may subject the user to civil or criminal penalties. We reserve the right to revise the Terms and Conditions at any time and for any reason, without notice or obligation, by updating this page. Your continued use of the Site following the posting of any changes to the Terms and Conditions will mean that you accept such amendments. We strongly recommend that you periodically visit this page of the Site to review the Terms and Conditions. The Terms and Conditions do not amend or supersede any previous written agreements you may have with Frosina Holdings.1. USE OF SITE AND CONTENTFrosina Holdings is the owner and/or licensor of all the material displayed on and/or accessible through this Site, including without limitation, software, text, graphics, charts, information, images, reports, presentations and other material (collectively referred to as the “Content”). Subject to the Terms and Conditions, Frosina Holdings grants you a limited right to access and use this Site solely for your own personal, internal, non-commercial use. For your personal non-commercial use only, you may print copies of the Content and store it on your own computer. You may not otherwise download or modify this Site or any Content, except with the prior express written consent of Frosina Holdings in each instance. You expressly acknowledge and agree that you are not granted any license for, and you agree that without the prior express written permission of Frosina Holdings you will not engage in (i) any resale or commercial use of this Site and/or any Content; (ii) any derivative use of this Site or the Content; or (iii) any use of data mining, robots, or similar data gathering and extraction tools.2. INTELLECTUAL PROPERTY RIGHTSFrosina Holdings retains its property rights, including, without limitation, all rights under U.S. and international copyright law, to the Site and all Content. As such, without the prior express written permission of Frosina Holdings, you may not (i) distribute Content to others; (ii) include Content on any other web site, on a server computer, or in documents, including but not limited to “mirroring” the information and/or displaying the information by means of HTML frames or similar means; or (iii) modify or re-use the Content. Frosina Holdings reserves all rights not expressly granted herein. You acknowledge and agree that any name, logo, trademark, or service mark contained on this Site is owned or used with permission by Frosina Holdings and may not be used by you without the express prior written approval of Frosina Holdings or the relevant owner of the name, logo, trademark or service mark. Frosina Holdings will aggressively enforce its intellectual property rights to the full extent of the law. Your use of any of these materials is prohibited unless specifically permitted by Frosina Holdings in writing prior to any such use.3. POSTING AND TRANSMITTING; LINKINGYou MAY NOT do any of the following: (i) hyperlink to the Site, whether to its homepage or to an interior page; (ii) transmit any commands, codes or information to the Site, with the exception of those commands necessary to view the Site; (iii) transmit to the Site or to any Frosina Holdings personnel, any pornographic, obscene, profane, defamatory, libelous, threatening, or unlawful material or any unsolicited commercial communications; or (iv) transmit to the Site or to any Frosina Holdings personnel any material that could constitute or encourage unlawful conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law or regulation.Notwithstanding the fact that Frosina Holdings, or other parties involved in creating, producing, or delivering the Site, may monitor or review any transmissions to the Site or to Frosina Holdings personnel, Frosina Holdings and such other parties assume no responsibility or liability that may arise from the content thereof, including, without limitation, claims for defamation, libel, slander, obscenity, profanity, or misrepresentation. From time to time, Frosina Holdings may provide links from this Site to websites operated by third parties. Our decision to do so is in no way an endorsement of these sites. Frosina Holdings does not monitor, edit or control such third-party sites and is not responsible in any way for the suitability of their content or for the quality of the products or services offered therein. Your choice to follow links to such websites is at your sole risk. If you have any questions regarding a linked site, please direct them to the administrator of the relevant site. Frosina Holdings reserves the right to terminate any link at any time.4. DISCLAIMERS4.1 No Offer of Securities or Advice. You acknowledge and agree that nothing contained on this Site may be construed as a solicitation, offer, recommendation or representation of suitability or endorsement of any security or investment. You further acknowledge and agree that the Content of this Site does not provide any tax, legal, accounting or other professional advice.4.2 Jurisdictional Limitations. Frosina Holdings does not claim that this Site is appropriate for your specific jurisdiction. You agree that you are solely responsible for compliance with any laws of your specific jurisdiction and further agree that you shall not use this Site if you are restricted by any local, state, national or international laws.4.3 Content Disclaimers. While Frosina Holdings makes reasonable efforts to ensure that the Content is correct, Frosina Holdings makes no warranties or representations as to the accuracy of the Content.4.4 Disclaimer of Warranties. THIS SITE AND ALL CONTENT IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS. FROSINA HOLDINGS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND HEREBY DISCLAIMS ANY AND ALL SUCH WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT TO THE FULLEST EXTENT PERMITTED BY LAW. TO THE FULLEST EXTENT PERMITTED BY LAW, FROSINA HOLDINGS ALSO DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, AND PERFORMANCE OF THIS SITE.5. LIMITATION OF LIABILITYBy entering the Site you acknowledge and agree that your use of this Site and any Content is solely at your own risk. In no event shall Frosina Holdings, its affiliates, their respective officers, agents and employees, or any of Frosina Holdings’ licensors or other third parties with which Frosina Holdings contracts (collectively, the “Frosina Holdings parties”) be liable for any losses, claims or damages whatsoever, including, without limitation direct damages, incidental and consequential damages, lost profits, legal fees, expert fees, other disbursements or damages related to lost data or business interruption, whether arising out of or resulting from, without limitation, any viruses, bugs, human action or inaction or any computer system, phone line, hardware, software, or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections, and whether based on warranty, contract, tort (including negligence), or any other legal theory, even if any such Frosina Holdings party has been advised of the possibility of any such damages. You further agree that you hereby waive any and all laws which may limit the efficacy of such release. If you are located in a jurisdiction which does not allow the waiver of any or all of these claims, or related warranties or liabilities, the limitation of liability of the Frosina Holdings parties shall be to the greatest extent permitted by law.You agree that any cause of action you may have with respect to your use of the Site, the Content or these Terms and Conditions must be commenced within one year after the claim or cause of action arises or will be deemed to have been waived.6. TERMINATIONFrosina Holdings reserves the right, in its sole discretion, to restrict, suspend, or terminate your access to all or any part of the Site or the Content at any time and for any reason without prior notice or liability. Frosina Holdings reserves the right to change, suspend, or discontinue all or any part of the Site or the Content at any time without prior notice or liability. If access to the Site or the Content is terminated, you agree that the following Terms and Conditions shall survive: Section 4, 5, 6, 7, 8 and 11.7. INDEMNIFICATIONYou agree to indemnify and hold harmless the Frosina Holdings parties from and against any and all claims, demands, actions, costs or expenses or both, including reasonable attorney’s fees, incurred by or against such persons or entities arising out of or resulting from your use of the Site or the Content, your violations of these Terms and Conditions and/or your violation of any rights of a third party.8. APPLICABLE LAW AND JURISDICTIONThis Site is made available to you from the State of New York in the United States. If you elect to access and/or use this Site from outside of the United States, you do so at your own risk and you agree that you shall comply with the laws of your jurisdiction, as well as the laws of the State of New York and the laws of the United States in connection with your access to and use of the Site. The laws of the State of New York, without regard to its principles of conflict of laws, will govern the Terms and Conditions (including any disputes concerning or related to the Terms and Conditions). You hereby expressly agree to submit to the exclusive personal jurisdiction of the federal and state courts sitting in New York, New York for the purpose of resolving any dispute relating to your access to or use of this Site. Notwithstanding the foregoing, you expressly acknowledge and agree that Frosina Holdings may seek injunctive or other appropriate relief in any court of competent jurisdiction and you consent to exclusive jurisdiction and venue in any such court. You agree that this may require you to submit any disputes related to the use of this Site to final and binding arbitration in the State of New York.9. USER SUBMISSIONSBy entering the Site you acknowledge and agree that any communication or material you transmit to the Site or Frosina Holdings, in any manner and for any reason, will not be treated as confidential or proprietary. Furthermore, you acknowledge and agree that any materials you transmit to Frosina Holdings may be used by Frosina Holdings, anywhere, anytime, and for any reason whatsoever.10. MONITORING; PRIVACY POLICYFrosina Holdings has the right, but not the obligation, to monitor any activity associated with the Site. Frosina Holdings may investigate any complaint or reported violation of the Terms and Conditions and take any action that it deems appropriate under the circumstances. Such action may include, but is not limited to, issuing warnings, suspension or termination of access, and/or referring the matter to regulatory or law enforcement authorities.Frosina Holdings does collect personally identifiable information such as IP address, domain name, webpage, the length of time spent on the Site, and the pages accessed while visiting the Site. The information-gathering technology referred to as “cookies” will be used in connection with the Site. Frosina Holdings also collects information that is voluntarily submitted by users. By using the Site you hereby understand and consent to the transfer of any data submitted by you to Frosina Holdings. Under no circumstances will Frosina Holdings exchange such information with third parties.11. SEVERABILITYIf any of the Terms and Conditions shall be deemed invalid, void, or for any reason unenforceable, such provision shall be deemed severable and shall not affect the validity and enforceability of any of the remaining Terms and Conditions. Any failure of Frosina Holdings to act on or enforce any of the Terms and Conditions shall not be construed as a waiver of that provision or any other of the Terms and Conditions.