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Important Disclaimers For Our Readers

On Point Advisors, LLC [www.onpointadvisors.com] and its affiliate site OTC Product News [www.otcproductnews.com] (who along with its affiliates, subsidiaries, officers, directors, representatives and agents is collectively referred to as "ON POINT") maintains these web sites as an unbiased, independent service to its readers that offers news, analysis and opinion about the OTC healthcare industry, its products and companies. ON POINT is not a Registered Investment Advisor or a Broker/Dealer, nor an intermediate in investment transactions. By using these web sites, you agree to the following terms of use which ON POINT may change at any time.

1. No Investment Advice or Recommendation Made by ON POINT

The advertisements, content, opinions, and materials appearing on ON POINT web sites are not intended directly or indirectly to provide advice as to the advisability of investing in, purchasing, holding or selling such securities, and as such these publications are not endorsements. All information provided on ON POINT web sites pertaining to investing, stocks, securities must be understood as information or opinion on the subject matter and not investment advice. In preparing its content for publication ON POINT has relied upon information which it believes to be reliable; however, such reliability cannot be guaranteed. Investors should not rely solely on the information contained in this web site. Rather, investors should use the information contained in this web site as a starting point for doing additional independent research on the featured companies or products. ON POINT does not give tax or investment advice, or advocate the purchase or sale of any security or investment.

2. No Representation as to Content of Advertisements

The advertisements on this web site, if any, are believed to be reliable, however, ON POINT and its owners, affiliates, subsidiaries, officers, directors, representatives and agents disclaim any liability as to the completeness or accuracy of the information contained in any advertisement and for any omissions of material facts from such advertisement. ON POINT is not responsible for any claims made by the companies advertised herein. BY ACCESSING THIS WEBSITE, YOU AGREE THAT THE INFORMATION PROVIDED IS "AS I S" AND WITHOUT WARRANTY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION CURRENTNESS OR RELIABILITY OF THE CONTENT OF THE ADVERTISEMENTS MAINTAINED ON THIS WEBSITE; AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ON POINT shall not be liable for any damage or costs arising out of or in any way connected with your use of the materials or advertisements provided or accessed through this web site. ON POINT does not endorse any opinions or recommendations regarding the materials advertised.

3. No Offer of Securities

None of the materials or advertisements herein constitute offers or solicitations to purchase or sell securities of the companies profiled herein and any decision to invest in any such company or other financial decisions should not be made based upon the information provide herein. Instead ON POINT strongly urges you conduct a complete and independent investigation of the respective companies and consideration of all pertinent risks. ON POINT does not offer investment advice or analysis, and ON POINT further urges you to consult your own independent tax, business, financial and investment advisors. It is possible that an investor's investment may be lost or impaired due to the speculative nature of the companies profiled.

4. Consideration For Services

ON POINT receives no fees, commissions, royalties, stock or other remuneration from the companies which are covered within its contents, including its news, editorials, product evaluations, or reviews, nor from investment companies, intermediaries, or advisors. As such ON POINT is an independent, unbiased source of news, analysis and opinion. In consideration for the publication of any advertisements on this web site ON POINT may receive an advertising fee based on clicks, or other measures of interest on the part of its users or sponsors.

5. Public Filings

ON POINT urges its readers who are considering an investment in a specific company to check the company's filings with the Securities and Exchange Commission ("SEC") on the SEC's Edgar Web site located at http://www.sec.gov

6. No Liability Relating to External Links

Our web sites contain links to other World Wide Web Internet sites, including sites that choose to accept or recast ON POINT content, and ON POINT is not responsible for the availability of these outside resources, or their contents. ON POINT does not endorse, nor is it responsible for, any of the content, advertising, products or other materials found on these sites.

8. Safe Harbor for Forward-Looking Statements

Information presented on the ON POINT web site may contain "forward looking statements" within the meaning of Section 27A of the Securities Exchange Act of 1933 and Section 21B of the Securities Exchange Act of 1934. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, strategy, objectives, goals, assumptions or future events or performance are not statements of historical fact therefore may be considered "forward looking statements". Forward looking statements are based on expectations, estimates, and projections at the time the statements are made that may synthesize a number of risks and uncertainties which could cause actual results or events to differ materially from those presently anticipated or realized. Forward looking statements in this context may be identified through use of words such as "projects", "foresee", "expects", "will", "anticipates", "estimates", "believes", "understands", or by statements indicating that certain actions "may", "could", or "might" occur. Understand there is no guarantee that past performance, or current prediction, will be indicative of future results.

9. Medical Content and Product Safety & Efficacy

The content of ON POINT, such as text, graphics, images, information and other material contained in its web sites are for informational purposes only. The content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider for any questions you may have regarding a medical condition or its treatment. Never disregard professional medical advice or delay in seeking advice because of something you have read on these web sites. Commentary and analysis of product efficacy and safety are provided to guide purchase decisions by consumers and do not constitute medical advice. Most products and ingredients discussed on these sites are approved by the FDA for free sale to consumers as over-the-counter drugs, cosmetics, devices, dietary supplements, etc. and thereby do not require a physician’s prescription for purchase.

ON POINT does not recommend or endorse any specific medical tests, procedures, or treatments, or individual physicians or facilities that may be mentioned on these sites. Reliance on any information provided by ON POINT is solely at your own risk.

10. News Aggregation Policy and Fair Use

ON POINT respects copyright and recognizes fair use doctrines. ON POINT cites original sources of news using only a source’s headline and in all cases attributes the primary provider of content by name. Source citations are discovered by the user using hyperlinks, called “Source Links”, to read the attributed source and these serve to drive traffic directly to the provider’s website and content. ON POINT has no intent to replace or reproduce original content in part, or in whole. As an editorial organ ON POINT’s intent is to provide original perspective on news and events that is transformative and creative. In most instances there will be a substantial delay in real time between publication of the provider’s content, the news event, and editorial comment by ON POINT. ON POINT has limited advertising revenue, or commercial interest, and does not seek to compete with commercial news sources. The readership of ON POINT is limited by its focus on business activities within the consumer healthcare industry and is not intended to be of interest to the population at large, or to compete with larger news organizations.

11. Conflict of Interest

OTC Product News is a wholly-owned affiliate of On Point Advisors, LLC, a consumer healthcare consultancy whose clients at any given time may include, for example, manufacturers, vendors, law firms, or entrepreneurs. As such agreements between On Point Advisors, LLC and clients within the industry might be perceived to bias, promote, or restrain opinions that may be expressed by OTC Product News, or its editors. To prevent perception of a conflict of interest On Point Advisors, LLC will disclaim any editorial interest, or written expression, in its publication during the term of any agreement between On Point Advisors, LLC and its clients. This disclaimer will include all editorial and product opinion both concerning the client, its activities and its products and the business segments within which the client operates to obviate any opinions direct, indirect or inferred that might be perceived to favor its clients. Notwithstanding news events incidental to these categories may be cited in "Insights" without comment.

OTC Product News voluntarily declines to entertain opinions on the following product segments: