THE HARBOUR GROUP, LLC
INTRODUCTION

The Harbour Group, LLC ("THG") is strongly committed to respecting and protecting your privacy. Please carefully read the following Privacy Policy.

Any person accessing, browsing or otherwise using this website located www.harbourgrp.com (the "Site"), either manually or via an automated device or program, shall be considered a "User." The purpose of this Privacy Policy ("Policy) is to explain the type of information that THG collects from our Users, what THG does with that information, and with whom THG shares this information.

USER CONSENT TO PRIVACY POLICY

By accessing, browsing or using the Site, Users acknowledge that they have read, understand, agree and consent to the terms and conditions of the Policy. Users consent to the collection, use, and disclosure of User information including personal information and anonymous browsing information (together "Information") pursuant to the terms of this Policy. If you do not consent to these terms and conditions, please do not access, browse, or use this Site.

THE INFORMATION THG COLLECTS

Anonymous Browsing Information

Users can browse the Site without revealing personal information. In this context, our servers may collect your Internet Protocol address, your computer's operating system, the name of the domain you used to access the Internet, the website you came from and the website you visit next.

Personal Information

THG may collect the e-mail address and other personal information provided by a user who contacts THG or any of THG's employees through the Site, via e-mail or otherwise.

By submitting Information to this Site, Users acknowledge that they have read this Policy, understand it, agree to its terms and authorize THG to collect, use and disclose Information pursuant to the terms of this Policy.

HOW THG USES THE INFORMATION

THG uses the Information collected from its Users to respond to Users' questions and/or comments. Anonymous browsing information may be used to gather broad demographic information used in marketing, promotion or similar activities. This information may be aggregated to measure the number of visits, average time spent, page views and other statistics about Users of the Site. THG also may use this data to monitor Site performance and to make the Site easier and more convenient to use.

WHO THG SHARES YOUR INFORMATION WITH

THG will not sell, share, trade or give away any Information that it collects or receives regarding its Users subject to the following exceptions:

• If THG has a User's consent to share personal information, it may do so.
• THG may provide to others the aggregate statistics about our Users' site activity for purposes of marketing, promotion or similar activities. None of these statistics will identify Users personally.
• THG may disclose Information about our Users to others if we have a good faith belief that we are required or permitted to do so by law or legal process, to respond to claims, or to protect the rights, property or safety of THG or others.
• In the event that THG decides to sell all or part or its assets, THG reserves the right to include Information among the assets transferred to the acquiring company.

APPLICABLE LAW/INTERNATIONAL ISSUES

Information that is submitted to this Site will be collected, processed, stored, disclosed and disposed of in accordance with applicable U.S. law. If you are a non-U.S. User, you acknowledge and agree that we may collect and use your Information and disclose it to other entities outside your resident jurisdiction, as discussed in "Who THG Shares Your Information With" above. In addition, such Information may be stored on servers located outside your resident jurisdiction. U.S. law may not provide the degree of protection for personal information that is available in other countries. By providing us with your Information, you acknowledge that your have read this Policy, understand it, agree to its terms and consent to the transfer of such information outside your resident jurisdiction. If you do not consent to the terms of this Policy and have already provided us with Information, please contact us at contact@harbourgrp.com and let us know how you would like us to handle such Information.

LINKED INTERNET WEBSITES

The Site provides hyperlinks, which are highlighted words or pictures within a hypertext document that, when clicked, take you to another place within the document, to another document altogether, or to other websites not controlled by THG. These hyperlinked websites may contain privacy provisions that are different from those provided herein. THG is not responsible for the collection, use, or disclosure of information collected through these websites, and THG expressly disclaims any and all liabilities related to such collection, use, or disclosure.

CHILDREN'S PRIVACY PROTECTION

The Site is not directed towards children under 13 years of age, and THG does not knowingly collect any information from children under 13 years of age through the Site. If you are under 13 years of age, you are not permitted to submit information to THG through the Site.

SECURITY

This Site has security measures to protect against the loss, misuse, and alteration of the Information that is submitted to THG and is under its control. THG makes no representations or warranties with regard to the sufficiency of these security measures. THG shall not be responsible for any actual or consequential damages that result from a lapse in compliance with this Policy as a result of a security breach or technical malfunction. Certain information may be transmitted to you by email. Although it is illegal to intercept or disclose these messages under U.S. Federal law, these transmissions are not secure. In addition, Users' communications through the Site are, in most cases, viewed only by you and anyone to whom you address your message. As the operator of the Site, THG may need to review or monitor your electronic mail and other communications from time to time as may be required by law. Therefore, you should not expect to have a right to privacy in any of your communications.

AMENDMENTS TO PRIVACY POLICY

THG reserves the right to amend this Policy periodically. Any amendments made to this Policy will be considered effective immediately after the amendments are posted on the Site. This Policy was last revised on July 27, 2004 and became effective on that day.

HOW TO CONTACT THG

If you have any questions about this Policy, please contact us at contact@harbourgrp.com

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