Terms of Use

 

MODIFICATION OF TERMS AND CONDITIONS OF USE

Risk Paradigm Group, LLC. (herein “RPg”) owns and operate this website. RPg reserves the right, in its sole discretion, to change, modify, add, or remove portions of these Terms at any time. We suggest that you check these Terms periodically for changes. They can be accessed from the link at the bottom of our website pages. Any changes, modifications, or additions to, or deletions from these Terms shall be effective upon posting on this website. If you use this website after we post changes to the Terms, you accept the Terms as changed. RPg expressly reserves the right to monitor any use of this website.

 

ELECTRONIC MONITORING

In connection with your use of the website, you acknowledge and consent to any form of electronic monitoring of any communication, electronic or otherwise, between you and RPg. You acknowledge and consent to the recording, retention and use by RPg (and its employees, representatives and agents) of all information and data that you input during your use of the website, including without limitation, all selections and uses of software, calculators and other tools included therein.

 

JURISDICTION

The products and services described and information provided in the Website are intended for United States residents only and are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject RPg to any registration requirement in such jurisdiction or country.

 

INTELLECTUAL PROPERTY

All copyrights, trademarks, logos, service marks, trade names, or other intellectual property displayed on, or used in conjunction with, this website are proprietary to RPg, unless otherwise noted. The content of this website is protected by applicable intellectual property law. RPg reserves all rights with respect to intellectual property ownership of all material on this website, and will enforce such rights to the full extent permissible by law. The material accessible on or through this website is accessible for personal browsing and printing purposes only. Users of this website may not otherwise:

(1) copy, reproduce, modify, sell, republish, post, transmit, or distribute in any way material from this website without the express, written permission of RPg;

(2) use, copy, modify, or display any RPg name, logo, text, or graphic image without RPg’s express, written permission;

(3) display any of the pages, text, images, or other content of this website using “framing” technology without RPp’s express written permission;

(4) modify or use the pages, text, images, or other content from this website for any purpose other than browsing or printing for personal, non-commercial use; or

(5) take any action to create an impression of affiliation, sponsorship, or endorsement between any user and/or website and RPg.

 

Transmission or use of any material in violation of this Agreement, or any applicable law, rule or regulation (whether of the United States or other countries), or the rights of any third party is prohibited. This includes, but is not limited to, copyrighted material, material which is defamatory, threatening, obscene, lewd and indecent, material protected by trademark, trade secret or patent laws, or material that results in an invasion of privacy.

 

LINKED WEBSITES

RPg is in no way responsible for the content of any website, owned or operated by a third party, that may be linked to this website via hyperlink, whether such hyperlink is provided by RPg or by a third party. In addition, RPg is in no way responsible for the content of any website to which this website may link. The information to which the user links is neither prepared nor maintained by RPg, and RPg has not and will not review or update the information contained in any linked website. RPg is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the linked website. Use of any website hyperlinked to or from this website shall be at your own risk.

 

THIRD PARTY CONTENT

Through this website, you may have access to market data such as news reports, third-party analyst reports, research, last sale transaction data, securities price quotations, and other information relating to securities and the securities markets (“Market Data”). RPg may obtain this Market Data and other information made available on this website from third parties who are independent of RPg. Even though the sources of the Market Data and other information provided on this website are believed to be reliable, RPg is not responsible for, and makes no warranty with respect to the contents, accuracy, completeness, timeliness, suitability, or reliability of the Market Data or other information accessible on or through this website. The Market Data provided is not a complete summary or statement of all available information or data. RPg MAKES NO EXPRESS OR IMPLIED WARRANTIES (INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH RESPECT TO THE MARKET DATA AND OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE.

 

The Market Data and other information accessible through this website is for personal, non-commercial use. You agree not to reproduce, modify, sell, distribute, broadcast, publish, or use for any commercial or unlawful purpose any Market Data or other information you access through this website.

 

The Market Data and other information accessible on or through this website is provided “as is” and on an “as available” basis. RPg will not be responsible for lost profits, trading losses, or any other damages resulting from inaccurate, defective, or unavailable Market Data or other information. RPg is not obligated to update or to continue to offer Market Data or other information accessible through this website.

 

NO OFFER OR ADVICE

This website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced on or through this website. Nor does this website constitute an offering or recommendation by RPg of any security, investment management service, or advisory service. RPg does not provide investment advice, tax advice, or legal advice through this website, and you agree that this website will not be used by you for such purposes. RPg does not represent that the securities, products, or services discussed on, or accessible through, this website are suitable for any particular investor. You acknowledge that your requests for information are unsolicited, and the provision of any information through this website shall not constitute or be considered investment advice, or an offer to sell, or a solicitation of an offer to buy any security.

 

USE OF E-MAIL

The security of electronic mail sent through the Internet is not guaranteed. Do not send sensitive or confidential information to us via electronic mail. Delivery, and timely delivery, of electronic mail is also not guaranteed. RPg therefore recommends that you do not send time-sensitive or action-oriented messages to us via electronic mail. Such requests, orders, or instructions will not be processed until RPg can confirm your instructions or obtain appropriate written documentation where necessary.

 

CONFIDENTIALITY

RPg shall use reasonable precautions to maintain the confidentiality of the information you may provide to RPg and information you have created, input or developed in connection with your use of the website, but because such information can be accessed through the Internet, you hereby acknowledge and agree that there can be no assurance that the information or any information provided to you through the website will remain secure. In addition, RPg may disclose such information to its employees, representatives, officers, agents, and affiliates, as well as a governmental entity or any other third party agent or service provider (a) for any purpose related to the conduct of RPg business or to the offering, providing or maintaining of this website, (b) to comply with applicable rules, orders, subpoenas or other legal process, or in order to give information to any government agency or official requesting such information, or (c) for any other legitimate business purpose.

 

NO WARRANTIES; LIMITATION OF LIABILITY

THE ACCURACY, COMPLETENESS, SEQUENCE OR TIMELINESS OF THE MARKET DATA AND OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE CANNOT BE GUARANTEED. RPg DOES NOT WARRANT THIS WEBSITE (INCLUDING THE MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE) FOR ANY PARTICULAR PURPOSE. IT IS PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. RPg DISCLAIMS, TO THE FULLEST EXTENT OF THE LAW, ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER RELATING TO THIS WEBSITE (INCLUDING MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE), INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. USE OF THIS WEBSITE IS AT YOUR OWN RISK. RPg AND ITS DIRECTORS, OFFICERS, EMPLOYEES, MEMBERS AND LICENSORS WILL NOT BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE (INCLUDING DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL OR OTHER DAMAGES) THAT YOU INCUR ARISING FROM OR IN CONNECTION WITH:

(1) ANY DELAY, TERMINATION, FAILURE, DEFECT, OR INTERRUPTION IN THE TRANSMISSION OF THIS WEBSITE OR ANY MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(2) ANY INACCURACY, ERROR, UNAVAILABILITY, OR INCOMPLETENESS IN THE TRANSMISSION OF THIS WEBSITE OR ANY MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(3) ANY TERMINATION OR INTERRUPTION OF YOUR ACCESS TO THIS WEBSITE;

(4) YOUR RELIANCE ON OR USE OF THIS WEBSITE OR ANY MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE;

(5) ANY E-MAIL REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND, OR THE INTERCEPTION BY THIRD PARTIES OF ANY REQUESTS, ORDERS, OR INSTRUCTIONS YOU SEND VIA E-MAIL;

(6) ANY ACT OR OMISSION OF RPg IN MAKING THIS WEBSITE OR MARKET DATA OR OTHER INFORMATION ACCESSIBLE ON OR THROUGH THIS WEBSITE AVAILABLE TO YOU; OR

(7) ANY OTHER CAUSE RELATING TO YOUR ACCESS TO OR USE OF THIS WEBSITE, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF RPg OR WITHIN THE CONTROL OF ANY OTHER PARTY PROVIDING SOFTWARE OR SERVICES SUPPORT FOR THIS WEBSITE.

 

RPg DOES NOT WARRANT THAT THIS WEBSITE, OR THE FUNCTIONS CONTAINED IN THIS WEBSITE, WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME THE ENTIRE COST OF ANY NECESSARY SERVICING, REPAIRING, OR CORRECTING OF YOUR PROPERTY OR OPERATIONS AS A RESULT OF USING THIS WEBSITE. YOU ACCEPT AT YOUR OWN RISK THAT THE INTERNET OR OTHER ONLINE COMMUNICATIONS MEDIUM MAY NOT PERFORM AS INTENDED AS A RESULT OF HUMAN, MECHANICAL, OR OTHER ERROR, DESPITE THE EFFORTS OF RPg, YOU, OR ANY THIRD PARTY.

 

IN NO EVENT WILL RPg OR ITS DIRECTORS, OFFICERS, MEMBERS, OR EMPLOYEES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES RELATED IN ANY WAY TO YOUR USE OF THIS WEBSITE, EVEN IF:

(A) SUCH DAMAGES ARE REASONABLY FORESEEABLE; OR

(B) RPg OR ANY OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

 

MISCELLANEOUS

a. This Agreement represents the complete and exclusive statement of the agreement and understanding between you and RPg regarding your rights to access and use this website, and supersedes all prior and contemporaneous agreements and representations regarding such subject matter. Except as herein provided, no waiver, modification or amendment of any provision to this Agreement shall be effective against RPg unless the same is in writing and signed by an authorized official of RPg.

 

b. RPg’s failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on RPg’s part to exercise any power or right given to RPg in this Agreement, or a continued course of such conduct on RPg’s part shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to RPg in this Agreement are cumulative and not exclusive of any other rights or remedies which RPg otherwise has at law or equity.

 

ADDITIONAL TERMS

Certain sections or pages on this website may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

 

GOVERNING LAW AND SEVERABILITY

These Terms will be governed and construed under the laws of the state of Texas without regard to its conflict of law principles, regardless of whether you reside in Texas or transact business with RPg in Texas or elsewhere. Nothing in these Terms creates any rights or protections that you are not already entitled to by law. If any part of these Terms is held invalid or unenforceable, that part will be deemed modified as necessary to make it effective, and the remaining provisions of these Terms will remain in effect.

 

PRIVACY

Risk Paradigm Group, LLC (“RPg”) is committed to safeguarding the use of your personal information that we have as your Investment Advisor. RPg (referred to as “we”, “our” and “us” throughout this notice) protects the security and confidentiality of the personal information we have and make efforts to ensure that such information is used for proper business purposes in connection with the management or servicing of your account. Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything we can to maintain that trust.

 

 

We do not sell your non-public personal information to anyone. Nor does RPg provide such information to others except for discrete and proper business purposes in connection with the servicing and management of your account as discussed below.

 

Details of our approach to privacy and how your personal non-public information is collected and used are set forth in

this privacy policy.

 

 

You can visit this site to read about our firm and its products and services, without giving us any personal information about yourself. We may collect anonymous, aggregate information about how our site is accessed by you, such as IP address, domain name, time spent at the site or web pages visited.

 

 

EFFECTIVE DATE

This RPg Internet Privacy Statement was last modified: January 1, 2015 © 2015 Risk Paradigm Group, LLC, Member FINRA

 

 

CATEGORIES OF INFORMATION COLLECTED

Registration Information: Some of the features on the site may require registration before you can use them. If you register to use the site, you choose to provide us with certain personal information such as your name, address, e-mail address and telephone number. You can update registration information online. You may change your password at any time.

 

Service Information: When you use a password or a similar identifier to access the site, we will recognize your identifier and may collect various categories of information about you such as information you give us, data related to your use of the site and its services, and information about your communications with us.

 

Cookies: In addition to the online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site.

 

 

USE OF COLLECTED INFORMATION

We do not sell or market your personal information or personalized data to unaffiliated organizations. The personal information you provide and the personalized data you create and save on the site is used to provide superior service to you and to inform you of products, services, or other opportunities that may be available through our firm or our affiliates. This may include disclosure of such information to employees, representatives, officers, agents, affiliates, government and regulatory entities, third parties, and service providers. Such information and data will also be used to administer our business, the site, and our services in a manner consistent with this privacy statement, the Terms of Use that govern your use of this site and all applicable laws, rules, regulations, or other legal obligations.

 

 

If you provide us with your e-mail address, or have done so in the past, we may on occasion send you email. E-mail sent to us through the site will be maintained in a manner consistent with our legal and regulatory requirements regarding client and public communications.

 

We maintain your personal information and data according to confidentiality standards described in the Terms of Use that govern your use of this site.

 

 

AGGREGATE INFORMATION

If you anonymously visit or browse the site without registering or logging on with a username, password or other registration code, we do not collect your personal information unless you disclose it to us (e.g., e-mail address). We may collect aggregate, technical information that tracks site use including browser type, IP address, domain name, number or type of pages visited and time spent on the site. We may use such information in a variety of ways including analyzing trends, visitor interests, or to improve the site.

 

 

PRIVACY PREFERENCES

Your browser software may contain a feature intended to notify you of the cookie policies of the websites you visit. This site has attempted to be compatible with privacy-filtering. However, we are not responsible for any problems you may experience when using privacy-filtering, or any discrepancies between the machine-coded privacy statements which are read by the privacy-filtering tool and our human readable policies that you see referenced here on this site including this privacy statement, which is the controlling document to which you should refer if you have questions about privacy and this site.

 

 

OTHER SITES AND SERVICES

This site may contain links to other Internet sites not under our direction or control. This privacy statement does not apply to those sites. We are not responsible for such sites, cannot control how such sites use personal information, cookies or other data, and their representations do not apply to this site. You should always review the privacy representations of those sites that you link to before you use them and particularly before you share personal information.