SINL MODEL PORTFOLIO USERS MUST READ THESE TERMS AND CONDITIONS OF USE PRIOR TO THEIR USE OF THE SINL MODEL PORTFOLIO.

Your access to and use of the SINL MODEL PORTFOLIO (hereinafter referred to as the “SINLMP”), signifies that you ACCEPT THE TERMS AND CONDITIONS FOR THE USE OF THE SINLMP (hereinafter referred to as "Terms") contained in this document. The publisher of the SINLMP reserves the right to modify the Terms of the SINLMP. Therefore, SINLMP users should continue to check the Terms whenever accessing or using the SINLMP. Your access and use of the SINLMP, after the posting of modifications to these Terms, will constitute your acceptance of the Terms, as modified. If you refuse to accept the Terms, you may not use the SINLMP. Any terms and conditions proposed by you, which are in addition to or in conflict with these Terms are expressly rejected by WM. Baker Associates (hereinafter referred to as “the SINLMP’s publisher”) and will have no force or effect.

1). CONSENT TO TERMS AND CONDITIONS FOR USE. You represent that you have read, understand, and agree to be bound by the SINLMP’s Terms. You also agree: (1) that your use of the SINLMP is subject to all applicable international, federal, state, and local laws, (2) not to use the website for illegal purposes, and (3) not to interfere with or disrupt the website.

2). COPYRIGHTS, TRADEMARKS, SERVICE MARKS, AND PROPRIETARY RIGHTS. The content of the SINLMP is owned by the SINLMP’s publisher. This content includes, but is not limited to, all pages of the SINLMP, all information contained in the SINLMP, all other SINLMP related information that is stored for use in the SINLMP, and all graphics used in the SINLMP. The SINLMP is protected as a collective work or compilation under United States copyright and other laws. You agree to comply with all applicable copyright and other laws. You may not copy, reproduce, alter, store in a hard copy or other electronic retrieval system, license, transmit, display, broadcast, create a derivative work from, publish, rent, sublicense, distribute, or otherwise use in whole or in part in any other manner the Materials without the prior written consent of the SINLMP’s publisher except to the extent that such use constitutes "fair use" under the "Copyright Act of 1976", as amended from time to time.

3). DISCLAIMERS. THE INFORMATION appearing in the SINLMP IS PROVIDED FOR GENERAL EDUCATION AND INFORMATIONAL PURPOSES ONLY. The SINLMP’s publisher assumes no responsibility for any errors or omissions in the SINLMP. Nothing contained in the SINLMP should be regarded as a recommendation to buy or sell a security or to provide individual investment advice. Opinions expressed in the SINLMP are those of the SINLMP’s publisher and independent of any subject company (i.e., a company whose stock is presented or whose stock underlies any stock option position presented in the SINLMP). All information is deemed reliable but is not guaranteed as to accuracy, reliability, or completeness. The information provided in the SINLMP is provided to you for informational purposes only and is provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. The information provided in the SINLMP has been obtained from sources believed to be reliable and is provided to you on an "AS IS" basis. The SINLMP’s publisher makes no warranties, either expressed, implied, or statutory including, but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, completeness, or non-infringement to users and/or any third party.

You acknowledge that (1) the Materials provided in the SINLMP is for general informational and educational purposes only and they are not intended for trading purposes, (2) the SINLMP’s publisher does not guarantee the accuracy, completeness or timeliness of the Materials provided in the SINLMP, and (3) THE SINLMP’S PUBLISHER IS NOT RESPONSIBLE OR LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, LOST PROFITS OR LOST OPPORTUNITIES. THE FOREGOING IS APPLICABLE TO ANY CLAIM IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

The information provided in the SINLMP is provided on an “as is” basis without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose. The information provided in the SINLMP has been obtained from sources believed to be reliable and is provided to you on an "AS IS" basis. The SINLMP’s publisher makes no warranties, either expressed, implied, or statutory including, but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, completeness, or non-infringement to users and/or any third party.

The entire risk as to the quality and performance of the information contained in the SINLMP is with you the reader, purchaser, etc. The performance of information appearing in the SINLMP may not be indicative of future performance and does not guarantee future results.

4). REPRESENTATIONS. You represent, warrant and covenant that: (1) you have the power, competence and authority to enter into this agreement; (2) you are at least eighteen (18) years old; (3) you shall not use any rights granted hereunder for any unlawful purpose; and (4) you shall use the SINLMP only as set forth in the Terms.

5). INDEMNIFICATION. You agree, at your expense, to indemnify, defend and hold harmless the SINLMP’s publisher and assigns from any and all claims, suits, actions, or other proceedings based on or arising in connection with the SINLMP or any links in the SINLMP, including, but not limited to: (1) a violation of the Terms by you or any other person using your computer (or account); (2) your use of the SINLMP; (3) a claim that any use of the SINLMP by you or any other person using your computer (or account) infringes any intellectual property rights of any third party, or any right of publicity or privacy, is libelous or defamatory, or otherwise results in injury or damage to any third party; (4) any deletions, additions, insertions or alterations to, or any unauthorized use of, the Website by you or any other person using your computer (or account); (5) any misrepresentation or breach of representation or warranty made by you contained herein; or (6) any breach of any covenant or agreement to be performed by you hereunder. The SINLMP’s publisher’s cooperation in such defense is made without waiver of any attorney-client, work-product, or other legal privileges. You agree to be responsible and liable for any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

6). TERMINATION. Either you or the SINLMP’s publisher may terminate the Terms with or without cause at any time and effective immediately. You may terminate the Terms by discontinuing your use of the SINLMP as well as all SINLMP related materials and publications and removing said items stored by you on any form of storage media. These Terms, and your permission to use and access the SINLMP, will terminate immediately without notice from the SINLMP’s publisher if the SINLMP’s publisher determines that you have failed to comply with any provision of these Terms. The SINLMP’s publisher reserves the right to seek all remedies available at law and in equity for your violation of these Terms.

7). GOVERNING LAW. These Terms shall be governed and construed in accordance with the laws of the United States and the State of California, without giving effect to conflicts of law principles thereof. You agree to submit to the personal jurisdiction of the state and federal courts located in San Mateo County in the State of California with respect to any legal proceedings that may arise in connection with your use of the SINLMP or from a dispute as to the interpretation or breach of the Terms.

8). SEVERABILITY. If any provision of the Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of these Terms will remain in force.

9). ENTIRE AGREEMENT. The Terms and any other terms and conditions set forth by the SINLMP’s publisher for use of the SINLMP constitute the entire agreement between you and the SINLMP’s publisher and govern your use of the SINLMP.

If you have questions or comments regarding the SINLMP, you can contact us by sending an e-mail message to: bb@sinl.com.

These Terms and Conditions were last updated on December 30, 2017.