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Information Made Available Through this Service: You are permitted to store, display, analyze, modify, reformat, and print the information made available to you via this site only for your own use. You are not permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of ALM First. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark, or any other notices that are provided to you in connection with the information. ALM First reserves the right, at any time, in the interests of its editorial discretion and business judgment to add, modify, or remove any of the information. These Terms and Conditions of Use are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein and reserved by ALM First or the third-party providers from whom ALM First has obtained information. You are required to read and abide by any additional terms and conditions that may be posted on this site concerning information obtained from specific third-party providers. Such third-party providers shall have no liability to you for monetary damages on account of the information provided to you via this site.
No warranties made as to content; no responsibilities to update: ALM First makes no warranty, express or implied, concerning this site. The data provided by ALM First and its third-party providers are on an as is basis at your sole risk. ALM First expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use of the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability. Furthermore, neither ALM First nor any of its third-party providers shall have any responsibility to maintain the data made available on this site or to supply any corrections, updates, or releases in connection therewith. Availability of data is subject to change without notice.
No liability for content; no liability arising from use: ALM First shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this site, or for any interruption or disruption of such access or any erroneous communication between ALM First and you, regardless of whether the connection or communication service is provided by ALM First or a third-party service provider. ALM First shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the data and services available on this site or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service. In no event will ALM First be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of you using the data or services made available on this site, even if ALM First has been advised of the possibility of such damages. ALM First will have no responsibility to inform you of any difficulties experienced by ALM First or third parties with respect to the use of the site or to take any action in connection therewith.
No warranties made as to security: ALM First makes no warranty whatsoever to you, express or implied, regarding the security of the site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this service. You are not authorized to post on or transmit to or from ALM First’s site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, or profane material, or any other content that could give rise to any civil or criminal liability under the law.
System Outages, Slowdowns, and Capacity Limitations/Delays: As a result of high Internet traffic, transmission problems, systems capacity limitations, and other problems, you may, at times, experience difficulty accessing the Web site or communicating with ALM First through the internet or other electronic and wireless services. Any computer system or other electronic device, whether, it is yours, an internet service provider’s or ALM First’s can experience unanticipated outages or slowdowns, or have capacity limitations.
Content not to be construed as a solicitation or recommendation: This material has been prepared for informational purposes only without regard to any particular user’s investment objectives, financial situation, or means, and ALM First is not soliciting any action based upon it. This material is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy. Certain transactions give rise to substantial risk and are not suitable for all investors. Although this material is based upon information that ALM First considers reliable and endeavors to keep current, ALM First has not verified this information and does not represent that this material is accurate, current, or complete, and it should not be relied upon as such.
No determination of suitability has been made; not all risks are disclosed: Your ALM First Financial Advisor should be consulted for determining investment suitability. The fact that ALM First has made the data provided on this site available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product described on this site is suitable or appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions. Decisions based on information contained on ALM First’s site are the visitor’s sole responsibility, and in exchange for using ALM First’s site, the visitor agrees to hold ALM First harmless against any claims for damages arising from any decisions the visitor makes based on such information.
No representations made as to other sites or links: This site may provide links to certain internet sites (the “Sites”) sponsored and maintained by third parties. ALM First is providing such links solely as a convenience to you. Accordingly, ALM First makes no representations concerning the content of the Sites. The fact that ALM First has provided a link to the Site does not constitute an endorsement, authorization, sponsorship, or affiliation by ALM First with respect to the Site, its owners, or its providers. ALM First has not tested any information, software, or products found on any of the Sites and therefore does not make any representations with respect thereto, including any representations regarding the content or sponsors of the Site, or the suitability or appropriateness of the products or transactions described therein.
All investing is subject to risk, including the possible loss of the money you invest.
“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); and ALM First Analytics, LLC (“ALM First Analytics”). Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser. Balance sheet advisory services are offered through ALM First Advisors. Financial reporting services, loan introduction services, and other special project services are offered through ALM First Analytics. Neither ALM First nor any of its subsidiaries provide legal, tax, or accounting advice.
INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ALM FIRST OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.