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Copyright Notice
Copyright © McQuain & Associates, Inc. 1998-2005.
All Rights Reserved.
Agency Calculator™
Copyright © McQuain & Associates, Inc. 1998-2005.
All Rights Reserved.

Trademarks
The Agency Calculator™ is a trademark of McQuain
& Associates, Inc. Products and companies referred to herein
are trademarks or registered trademarks of their respective
companies or mark holders.

Privacy Statement
McQuain & Associates, Inc. (herein after referred to as McQuain &
Associates) takes safeguarding online privacy seriously. Please
read the following to understand McQuain & Associates’ privacy practices.
From time to time, McQuain & Associates may need to change its privacy
statement because of changes in its business, or in its attempts to serve your
needs better. McQuain & Associates will use reasonable efforts to publish
any changes to its privacy statement.
What information does McQuain & Associates gather?
There are times when McQuain & Associates may need to gather specific
information from you such as your name and address, among other personal
information. Information that is essential for McQuain & Associates to
provide the services and/or products that are requested by you is generally
designated as "Required". Additional information that would allow
McQuain & Associates flexibility in providing its services or products,
and may be used for internal statistical studies or market research, is
generally indicated as "Optional". For example, your name is
required when requesting additional information from McQuain & Associates,
whereas a fax number may not be essential, but would provide another means of
communication between you and McQuain & Associates.
The choice of how much personally identifiable information you disclose to
McQuain & Associates is completely at your discretion. It is never
mandatory for you to answer any question, although it may limit the services
and products that McQuain & Associates is able to offer.
How does McQuain & Associates use personal information?
When you submit personal information to McQuain & Associates, you
understand that you are agreeing to allow McQuain & Associates, its
subsidiaries, and its affiliates, access to, storage of, and use of, the data
in any of the countries where McQuain & Associates, its subsidiaries, and
its affiliates, do business, whether inside or outside of the United States.
McQuain & Associates may use the personal information you submit for
any purposes related to McQuain & Associates’ business, including, but
not limited to, generating statistical studies, conducting market research,
improving its products and services, sending you surveys, and notifying you of
product upgrades and updates, new products, special offers, seminars and
conventions and any other changes within McQuain & Associates that may
affect you.
What choices do you have about how your personal information is used
and what is McQuain & Associates’ commitment to data quality and
reliability?
McQuain & Associates respects your privacy and realizes that not
everyone likes to receive special offers or information. If you would like
your name deactivated from McQuain & Associates’ lists, or if you would
like to unsubscribe from McQuain & Associates’ email bulletins, please
use the contact information listed on our home page to request that McQuain
& Associates deactivate you from its lists. Be sure to include your name,
postal address, telephone number, information contained in your McQuain &
Associates mailer, and/or other necessary information requested for
deactivation.
If you believe that McQuain & Associates may not have your correct and
current personal information, you may update your information any time by
using the information listed on our home page to inform McQuain &
Associates of changes in your personal information. McQuain & Associates
will use reasonable efforts to honor your requests, but we appreciate your
patience in allowing us a reasonable amount of time for processing.
Does McQuain & Associates share the information that it gathers
with third parties?
McQuain & Associates may share data with third parties as a
value-added service that will assist you in finding products or services which
you may not normally come across in daily life. McQuain & Associates
carefully reviews the materials of third parties and only selects those, which
it believes would interest you. However, McQuain & Associates does not
assume responsibility for any actions of third parties. Should you decide you
would not like your information shared with third parties, please use the
contact information listed on our home page to request that McQuain &
Associates deactivate you from its lists. McQuain & Associates will use
reasonable efforts to honor your requests. Please be aware that McQuain &
Associates has no control over removing your personal information from the
lists of third parties. If you continue to receive materials from third
parties after informing McQuain & Associates to deactivate your name,
please notify the particular third parties regarding deactivation of your
personal information.
Does McQuain & Associates share the information that it gathers
with government agencies or law enforcement?
McQuain & Associates reserves the right to monitor, and disclose to,
government officials or law enforcement, without your consent, any
communications and personally identifiable information, whenever prompted to
do so, by legal authorities, even when you have requested that your
information not be disclosed to third parties.
What is McQuain & Associates’ commitment to data security?
McQuain & Associates recognizes your concern for security, and will
use reasonable efforts to establish secure connections with you and to limit
access to databases containing personal information to authorized personnel
only.
Does McQuain & Associates use cookies?
"Cookies" give users a unique, random ID by storing small text
files onto a user's computer hard drive with the user's browser. Cookies
enable a web site to track a user's activities on a web site. For example,
McQuain & Associates uses cookies on certain "secure" pages to limit
access to only authorized McQuain & Associates personnel. McQuain &
Associates may use cookies in other areas on its web site now and in the
future. McQuain & Associates’ cookies do not contain personally
identifying information. Users are free to change their web browsers to
prevent the acceptance of cookies. However, this may limit your access and
functionality within the McQuain & Associates web site.
Are there online risks?
You should be aware of risks when you communicate on public newsgroups and
message boards. On these forums, personal information may be collected and
used by others outside of McQuain & Associates to send unsolicited emails
or postal mailings. McQuain & Associates has no control over these
actions. You should not post any information on these forums that you wish to
keep private.
What are McQuain & Associates’ contact procedures?
If you believe McQuain & Associates has not adhered to its privacy
statement, if you would like to be deactivated from McQuain & Associates’
lists, or if you would like to update your personal information, you may
notify McQuain & Associates by email, telephone, fax, or postal mail.
McQuain & Associates will use reasonable efforts to promptly resolve any
issues.

Other Legal Notices
This Web Site and all information contained in or accessible
through this Web Site are provided only for your personal,
non-commercial use. You may download and print any page from the
McQuain & Associates, Inc. Web Site for such use. However,
you may not, without express written permission from McQuain
& Associates, Inc., reformat, modify, translate, or transmit
results from any McQuain & Associates, Inc. search. You may
not remove from any electronic or printed copy any copyright,
trademark, or other proprietary notice.

Disclaimer
MCQUAIN & ASSOCIATES, INC. SHALL NOT BE LIABLE FOR ANY
ERRORS OR OMISSIONS RELATING TO THIS WEB SITE OR THE INFORMATION
OBTAINED THROUGH THIS WEB SITE, OR FOR ANY DIRECT, INCIDENTAL,
SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE FURNISHING
OR USE OF THIS WEB SITE OR RELATED INFORMATION.
INFORMATION IS PROVIDED ON AN "AS IS" AND "AS
AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES AS TO
NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR
PURPOSE.
McQuain & Associates, Inc. reserves the right to revise
information on this Web Site and/or to modify any features,
specifications, or materials without notice.

Send mail to webmaster@mcquain.com with questions or comments about this web site.
Last modified: March 23, 2005
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