We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications, tax organizers, worksheets, and other documents;
• Information about your transactions with us, our affiliates, or others’
• Information we receive from a consumer-reporting agency.

We do not disclose any nonpublic personal information about our clients or former clients to anyone, except as permitted by law.

We restrict access to nonpublic personal information about you to those members of our firm who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Further, NYBKW understands the importance of protecting children’s privacy. For that reason, we do not collect and maintain information from those we actually know are under 13 years of age, and no part of the Site is structured to attract anyone under 13 years of age.

If you have any questions about this policy, please do not hesitate to contact us by email or at 631.845.5252.

Effective Date and Changes to Privacy Policy

This Privacy Policy was last updated on October 8, 2010.

We reserve the right, at any time and without notice, to add to, change, update, or modify this Privacy Policy simply by posting such change, update, or modification on this Site. Any such change, update, or modification will be effective immediately upon posting on the Site. The date in this section will be updated whenever this Privacy Policy is changed.

If you have any questions about this policy, please do not hesitate to contact us via email or at 631.845.5252.

Terms of Use

This web site is owned and operated by Nussbaum Yates Berg Klein & Wolpow, LLP (“NYBKW”). By accessing this site, you agree to all of the terms and conditions set forth herein. If you do not agree with these Terms of Use, you are not authorized to access the NYBKW web site.

Changes and Updates

NYBKW reserves the right to change the terms and conditions under which this site is offered by modifying, adding or removing any portion of these Terms of Use. Changes in these Terms of Use will be effective immediately upon posting. Your continued use of the NYBKW web site after any changes to these Terms of Use are posted constitutes your acceptance of these changes.

NYBKW may terminate, change, suspend or discontinue any aspect of the NYBKW web site, including the availability of any features of the web site, at any time. NYBKW may also impose limits on certain features and services or restrict your access to parts of or the entire web site without notice or liability.

No Advice and No Solicitation

The information provided on the NYBKW web site is intended for information and education purposes only and is not intended to constitute financial, accounting, legal or tax advice. You should consult directly with NYBKW or your other advisors before acting on any information on this web site. Nothing on the NYBKW web site constitutes a solicitation or offer by NYBKW to buy or sell products or services of any kind whatsoever, including, without limitation, securities or any other financial instrument.

Content

All content contained on the NYBKW web site (such as text, articles, graphics, logos, button icons, images and software) is the property of NYBKW or its content suppliers and is protected by United States and international copyright, trademark or other laws. You are not authorized to copy, reproduce, republish, distribute, transmit, modify or use the contents of these pages without NYBKW’s express written permission.

Unauthorized User Access

You agree not to access this site to:

a. post, upload, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
b. disrupt or interfere with the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
c. use, monitor, copy, or harvest information and data from the Service through the use of any automated means, including, but not limited to, deep-links, page scrapes, scripts, agents, robots, spiders or other automatic device, program, algorithm or similar methodology.
d. make commercial use of the site or its contents in order to gain a competitive advantage, for marketing purposes (including, third-party solicitations) ; collect and use any product listings, descriptions, photographs or prices displayed on the Site in connection with competing with NYBKW or for other commercial purposes; or create, reproduce and/or distribute any materials derived from the content provided on this site;
e. attempt to gain unauthorized access to NYBKW’s computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of the site.

Copyrights and Trademarks

NYBKW, the NYBKW design logo, and other marks and names, and content of any kind that may appear on this web site, are trademarks and/or trade names of NYBKW, and/or content copyrighted by NYBKW and or its vendors. You are not authorized to copy, reproduce, republish, distribute, transmit, modify or use these trademarks, trade names, or content in any manner. All other trademarks or trade names or content that may appear on this site are the property of their respective owners.

Disclaimer of Warranties

This web site and its content are provided on an “as is” basis. NYBKW disclaims all warranties, expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement of third-party rights. NYBKW makes no representations or warranties about the accuracy, completeness or timeliness of the information contained on this web site, and you should confirm any information presented in this web site before relying on it in any way.

Limitation of Liability

In no event will NYBKW be liable to you for any direct, incidental, consequential, indirect, special or punitive damages resulting from your use or inability to use this site, even if NYBKW has been advised of the possibility of such damages. This limitation will apply to damages from any cause of action, including, but not limited to, tort, contract, strict liability or otherwise. In no event will NYBKW’s liability to you for any cause of action exceed the amount paid by you, if any, for accessing this web site. NYBKW does not warrant that the functions contained in this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make this site available will be free of viruses or other harmful components.

Indemnification

You agree to defend, indemnify and hold NYBKW and any of its officers, directors, employees, agents and affiliates harmless from and against any and all claims, actions, liabilities, costs or damages (including reasonable attorneys’ fees) asserted by any third party arising from or related to your use of this site or conduct in connection therewith in violation of these Terms of Use.

Severability

Should any part or portion of these Terms of Use be found or held to be invalid or unenforceable, then the meaning of said Term will be construed, to the extent feasible, so as to render the Term enforceable, and if no feasible interpretation would save such Term, it will be severed from the remainder of these Terms of Use, which will remain in full force and effect unless NYBKW’s obligations hereunder are materially impaired.

California Privacy Rights

Individual clients who reside in California and have provided their personal information to NYBKW may request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must be submitted to us at the following address: 445 Broad Hollow Road Suite 319, Melville, NY 11747 attn: Webmaster. Within 30 days of receiving such a request, we will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.

Governing Law

These Terms of Use will be governed by the laws of the State of New York, without regard to its conflict of laws principles.

Entire Agreement

This constitutes the entire agreement between you and NYBKW regarding the access and use of this web site.