Privacy Policy

ICA TERMS OF SERVICE AND PRIVACY POLICY

1. TERMS

By accessing the website at www.independentcaptiveassociates.com you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. USE LICENSE

1. Permission is granted to temporarily download one copy of the materials (information or software) on ICA's website for personal, non-commercial transitory viewing only.   This is the grant of a license, not a transfer of title, and under this      license you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial purpose, or for any public display       (commercial or non-commercial);
   3. attempt to decompile or reverse engineer any software contained on ICA's website;
   4. remove any copyright or other proprietary notations from the materials; or
   5. transfer the materials to another person or "mirror" the materials on any other server.
2. This license shall automatically      terminate if you violate any of these restrictions and may be terminated  by ICA at any time. Upon terminating your viewing of these materials or      upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. DISCLAIMER

1. The materials on ICA's website are provided on an 'as is' basis. ICA makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including,      without limitation, implied warranties or conditions of merchant ability,  fitness for a particular purpose, or non-infringement of intellectual  property or other violation of rights.
2. Further, ICA does not warrant or  make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise  relating to such materials or on any sites linked to this site.

4. LIMITATIONS

In no event shall ICA or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on ICA's website, even if ICA or a ICA authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. ACCURACY OF MATERIALS

The materials appearing on ICA's website could include technical, typographical, or photographic errors. ICA does not warrant that any of the materials on its website are accurate, complete or current. ICA may make changes to the materials contained on its website at any time without notice. However, ICA does not make any commitment to update the materials.

6. LINKS

ICA has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by ICA of the site. Use of any such linked website is at the user's own risk.

7. MODIFICATIONS

ICA may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

8. GOVERNING LAW

These terms and conditions are governed by and construed in accordance with the laws of Massachusetts and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

PRIVACY POLICY

Your privacy is important to us.

It is ICA's policy to respect your privacy regarding any information we may collect while operating our website. Accordingly, we have developed this privacy policy in order for you to understand how we collect, use, communicate, disclose and otherwise make use of personal information. We have outlined our privacy policy below.

• We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
• Before or at the time of collecting personal information, we will identify the purposes for which  information is being collected.
• We will collect and use personal information solely for fulfilling those purposes specified by us and for other ancillary purposes, unless we obtain the consent of the individual      concerned or as required by law.
• Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
• We will protect personal  information by using reasonable security safeguards against loss or theft,  as well as unauthorized access, disclosure, copying, use or modification.
• We will make readily available to      customers information about our policies and practices relating to the management of personal information.
• We will only retain personal  information for as long as necessary for the fulfillment of those purposes.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained. ICA may change this privacy policy from time to time at ICA's sole discretion.