This Web site is maintained by Phil Noble & Associates. ("PNA"). PNA can be contacted by mail at 207 East Bay Street, Suite 211, Charleston, South Carolina, 29401; by phone at (843) 853-8190; or by e-mail to the Webmaster at webmaster@pnoble.com. The following policies apply to www.pnoble.com and all other Web sites owned and operated by PNA.

PNA automatically collects and/or tracks information regarding a visitor's use of PNA Web sites and information knowingly provided by the visitor in online forms, registration forms, order forms and the like. Personal data collected by the PNA will be used by PNA internally for editorial and feedback purposes, for marketing and promotional purposes, for statistical analysis of users' behavior, for product development, for content improvement, and to customize content and layout of PNA's Web sites.

PNA does not sell or provide personally identifiable information to third parties. "Personally identifiable information" is information provided in a form wherein it is related to an identified or readily identifiable individual. Visitor information is compiled into aggregate data. PNA may use such aggregate information and share it with third parties (i) to further develop the PNA Web sites and related products or services, (ii) to describe PNA's Web site, products and services to prospective advertisers, business partners and other third parties, and (iii) for other lawful purposes.

Visitors who become aware the PNA has incorrect information regarding themselves may contact PNA to modify, correct, change or update such information. PNA reserves the right to contact Web site visitors regarding account status and any policies or agreements relevant to visitors. PNA reserves the right to change this Privacy Policy at any time. DISCLAIMER

This Web site is made available for your use by Phil Noble & Associates. ("PNA") subject to the terms and conditions of this agreement (the "Agreement"). BY USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT. IF YOU DO NOT WISH TO BE BOUND BY THIS AGREEMENT, PNA IS NOT WILLING TO GIVE YOU PERMISSION TO USE THIS WEB SITE AND YOU MUST IMMEDIATELY DISCONTINUE YOUR USE OF THE WEB SITE. PNA may modify this Agreement at any time in its sole discretion and your continued use of the Web site after any modification shall constitute acceptance of such modification.

PNA furnishes information and articles and provides links to third-party articles and information on and through this Web site without responsibility for the accuracy of such articles or information, and you agree that you shall not bring any claim, demand or legal proceeding against PNA based on any errors contained in such articles or information. PNA believes that the data contained in articles and information written or provided directly by PNA are reliable, but does not warrant or guarantee the accuracy of any such articles or information.

You agree not to reproduce, retransmit, disseminate, sell, distribute, publish, broadcast or commercially exploit the articles and information available on this Web site without the express written consent of PNA, nor to use the articles or information for any unlawful purpose. This Web site may link to other Web sites; PNA has no responsibility in any respect for such linked Web sites.

WITH RESPECT TO (i) THIS WEB SITE, INCLUDING BUT NOT LIMITED TO ITS CONTENT AND OPERATION AND ARTICLES AND INFORMATION AVAILABLE ON OR THROUGH THIS WEB SITE AND (ii) EXCEPT AS EXPRESSLY STATED OTHERWISE BY PNA, ANY PRODUCTS OR SERVICES OFFERED BY PNA OR ANY THIRD PARTY ON OR THROUGH THIS WEB SITE, PNA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT .

NEITHER PNA NOR ITS SUBSIDIARIES, AFFILIATES, SERVICE PROVIDERS, EDITORS, WRITERS, OFFICERS, DIRECTORS OR EMPLOYEES SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR RESULTING FROM THE USE OR THE INABILITY TO USE THIS WEB SITE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR INTANGIBLE DAMAGES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.