Legal Statement
S.M. Arnold, Inc. has this site for your information and communication. There are guidelines, terms and rules to use this site. If any of these guidelines, terms, or rules are not acceptable to you, you are instructed not to use this site. We hope you find the site informative; however, you may only download or use material displayed on this site for non-commercial, personal use only, provided that you keep all proprietary notices and copyright information contained on the materials. Also, you are not permitted to re-use, re-post, distribute, deliver, alter, forward or use the contents of the site for public or commercial purposes without S.M. Arnold, Inc.’s written permission. The contents of this site may include graphics, images, text, audio and/or video or other forms of communication.

S.M. Arnold, Inc. is the copyright owner of this site unless otherwise noted. Nothing on this site may be used except as provided in these terms and conditions or in the text of the site without the written permission of S.M. Arnold, Inc. S.M. Arnold, Inc. does not provide and expressly denies a warranty or representation that your use of materials displayed on this site will not infringe rights of third parties not owned by or affiliated with S.M. Arnold, Inc. S.M. Arnold, Inc. has certain registered trademarks and certain patents. S.M. Arnold, Inc.’s trademarks may not be used in connection with any product or service that is not S.M. Arnold, Inc.’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits S.M. Arnold, Inc. All other trademarks not owned by S.M. Arnold, Inc. that appear on this site are the property of their respective owners, and you must respect their trademarks. S.M. Arnold, Inc. is not granting to any user of this site a license to use or reproduce any copyrighted materials, registered marks, or patents. You may; however, download the contents in this site only for your personal, non-commercial use as set forth above.

Your use of this site is at your own risk. To use this site, you acknowledge that neither S.M. Arnold, Inc., nor anyone involved with creating or maintaining, establishing, or delivering this site is liable for any direct, incidental, consequential, indirect, or punitive damages, or any other losses, costs, or expenses of any kind (including legal fees, expert fees, or other costs and disbursements) which may arise, directly or indirectly through the access to, maintenance of, use of, or through the reproduction by downloading or other means of any materials, data, text, images, video or audio from this site, including but not limited to anything caused by any viruses, bugs, human action or inaction or any computer system, phone line, hardware, software or program malfunctions, or any other errors, failures or delays in computer transmissions or network connections. Furthermore, this site is provided to you AS IS - without warranty of any kind, either expressed or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose or non-infringement. To the extent that some jurisdictions may not allow the exclusion of implied warranties, some or all of the above exclusions may not apply to you. You should determine whether your local laws establish any restrictions or limitations regarding limitation or exclusion of implied warranties.

S.M. Arnold, Inc., has not reviewed all of the sites that are or may be linked to this site and is not responsible for the content of any other sites linked to this site. Furthermore, S.M. Arnold, Inc., may, however is under no obligation to, monitor, examine, or review discussions, chats, postings, transmissions, or bulletin boards, that may or may not comprise a part of this site. S.M. Arnold, Inc. is not liable nor responsible for the contents of any such locations nor for any error, defamation, liable, slander, omission, falsehood, obscenity, pornography, profanity, danger, negligence, or inaccuracy of any of the information within such location. S.M. Arnold, Inc., reserves the right to remove or alter the site at any time. Any user of this site is not allowed to post or transmit any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material, any false material, any material that encourages or incites criminal activity, or any material that would give rise to civil liability or otherwise violate any law.

By entering this site, you agree and recognize that this site will only be construed and evaluated according to United States law. If you use this site from other locations you are responsible for compliance with any and all applicable local laws. S.M. Arnold, Inc. makes no representations that the materials contained within the site are appropriate for locations outside the United States of America. Any and all information contained in this site, including but not limited to information regarding products and services, applies only to those provided or offered within the United States of America.

Jurisdiction and venue for any actions or causes of action regarding or relating to this site is St. Louis City, Missouri. Your use of this site constitutes an agreement by you to the jurisdiction of the State of Missouri and venue within the City of St. Louis.

Software, or any other part of this site, from this site may be further subject to United States of America export laws, rules and regulations, as amended from time to time. To the extent that the laws are still in effect, no software from this site may be downloaded or exported into (or to a national or resident of) any country to which the United States of America has embargoed goods or anyone on the United States Treasury Department list of specially designated nationals or the U.S. Commerce Department’s Table of Deny Orders. By downloading or using this software, you represent and warrant that you are not located in, under the control of or a national or resident of any such country or on any such list.

By entering this site you understand and expressly agree that any communication or material you transmit to the S.M. Arnold, Inc., site or to S.M. Arnold, Inc., in any manner, and for any reason, will not be treated as confidential or proprietary. In addition, you understand and expressly agree that any ideas, concepts, techniques, procedures, methods, systems, designs, plans, charts or other materials you transmit to S. M. Arnold, Inc. may be used by S.M. Arnold, Inc., anywhere, anytime, and for any reason whatsoever without cost or liability to S.M. Arnold, Inc.

S.M. Arnold, Inc., reserves the right to revise or alter this site, including but not limited to this legal information and terms and conditions, at any time and for any reason and reserves the right to make changes at any time, without notice or obligation, to any of the information contained on this site. You should visit this page of the S.M. Arnold, Inc., site, on a regular basis to review the terms and conditions. You may contact S.M. Arnold, Inc., at: 7901 Michigan Avenue, St. Louis, Missouri 63111 or telephone at (314) 544-4103.

Information contained on this site, including but not limited to product information, may change, be altered, or be modified without making the change in the site. Furthermore, certain products may or may not be available at the time an order is placed. This site and the information contained on it is not a warranty or guaranty that the product is available at that time or in that size, color or condition. S.M. Arnold, Inc., reserves the right to decide whether it will or will not respond to any inquire, e-mail, communication, transfer of information, or request (inquiry). S.M. Arnold, Inc., expressly states that it is under no duty to respond to any inquiry and no duty to respond wtihin any time frame to any inquiry.

Privacy Statement of S.M. Arnold, Inc.
In the course of doing business with S.M. Arnold, Inc., you may provide nonpublic personal information to S.M. Arnold, Inc. This Privacy Statement provides information about the types of information collected and S.M. Arnold, Inc.’s policy with respect to the use of that information. This statement is being provided in compliance with the Gramm-Leach-Bliley Act (Pub. Law 106-102).
Information Collected
We collect only the information necessary to consistently deliver responsive products and services to you. This service may include advising you of other products and services that S.M. Arnold, Inc. offers. The information collected may include:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates or others;
• Information about your transactions with nonaffiliated third parties; or
• Information from a consumer reporting agency.

Use of Information Collected
S.M. Arnold, Inc. does not sell information about current or former customers to third parties. We also do not share such information, except when it is required to complete transactions at your request, or to provide you with information that may be relevant to your product or service  needs.  We may contract with non-affiliated third parties to perform services for S.M. Arnold, Inc.. When necessary, we will only disclose the information necessary for the third party to carry out its agreed responsibilities. We will not disclose any information regarding your assets, liabilities, income or information from a consumer reporting agency with any affiliate or nonaffiliated third party unless you tell us to do so, or unless we tell you before-hand and give you a chance to say no.
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as stated above or as otherwise permitted by law.
Protection of Information Collected
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.