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Terms and Conditions of Use

Use of this website is governed by the following terms and conditions. Please read these terms and conditions carefully. By accessing this site, you agree to be bound by them. These terms and conditions are subject to change without notice, so we recommend that you review them regularly. If you do not agree with these terms and conditions, please do not use this site.


Limited License and Use

The owner of this site ("Owner") grants you a limited license to display the contents of this site on your computer or other electronic device and to print, download, and use the materials on this site solely for informational purposes or to transact with the Owner, provided that the contents are not modified in any way and that all copyright and other notices are maintained. You agree not to, directly or indirectly, attempt to disrupt, impair, interfere with, alter, or modify this site or any of its content.


General Information Purposes Only

This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax, or other professional advice. You should not rely on this site as a substitute for independent research or for personal advice.


No Offer

Nothing on this site constitutes an offer to buy or sell products or services of any third party. All products and services are subject to the terms and conditions of applicable contracts and laws. The products and services described on this site are available only in jurisdictions where they may be lawfully offered for sale. The Owner may solicit the sale of financial products and services only in jurisdictions where the Owner is duly licensed.


Governing Law

The use and content of this site, including these terms and conditions, shall be governed by the laws of the province in which the Owner resides. You agree to submit to the jurisdiction of the courts of that province.


Authorization and Indemnity

If you are accessing this site on behalf of another party, you confirm that you are authorized to do so. You agree to be liable and will indemnify and hold harmless the Owner in the event the party you are acting on behalf of claims you did not have such authority, or the information you submitted was inaccurate.


Third-Party Content

No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site. To the extent any third-party opinions or information are included on this site, they are provided for convenience only, and the Owner assumes no liability for, nor endorses, such third-party content.


Third-Party Services

The Owner may use third-party service providers to offer certain tools and/or programs, some of which may be hosted on third-party servers or independently developed sites. Access to such third-party servers or tools is subject to all terms and conditions found therein.


Site Availability

This site, in whole or in part, may be periodically unavailable to you to allow for maintenance or updates or due to other causes, including causes beyond the control of the Owner. Additionally, any or all of the services on this site may change at any time, with or without notice.


Privacy and Confidentiality

The Owner collects and uses personal information to provide the services described on this site. The Owner is committed to respecting privacy and confidentiality in accordance with applicable law. The Owner maintains appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge that the Internet is not a secure medium, and complete security and confidentiality of transmissions to and from this site over the Internet cannot be guaranteed. Your use of the site may be subject to access or manipulation by, or disclosure to, third parties. The Owner and any third party are not responsible or liable for any damages in connection with any breach of privacy, confidentiality, or security.



This site has been developed by and is the property of the Owner. All information and materials on this site are protected by copyright, trademark, and other intellectual property laws. Subject to the limited license granted above, no person may copy, redistribute, reproduce, or republish in any form, or link to this site or its contents, without the prior written consent of the Owner.



The Owner owns or has obtained the right to use the trademarks, logos, and domain names displayed on this site. The trademarks are protected by trademark laws. Display of trademarks on this site does not imply a license to use them. Any third-party marks are used with permission or under license.


General Disclaimer

While information on this site is believed to be reliable and accurate at the time of posting, the Owner does not guarantee, represent, or warrant that the information is accurate, complete, reliable, verified, error-free, or fit for any purpose. Nothing on this site forms a contract, other than as it relates to the use of this site or as may be expressly provided. In the event of a conflict between information on this site and terms in any products or services offered, the terms in the product or service documents will prevail.


Disclaimer of Warranties and Liability

The Owner and any third party make no representations or warranties regarding the usability or condition of this site, that it will operate uninterrupted or error-free, or that it will be compatible with any services or software used in connection. The Owner expressly disclaims all warranties, including, without limitation, warranties of merchantable quality, fitness for a particular purpose, non-infringement, compatibility, timeliness, security, or accuracy. You assume full responsibility for the risk of loss from your use of this site. The Owner and any third party are not liable for any loss or damage arising from your use of this site, including lost profits, lost opportunities, or business revenues.


External Links

This site may contain links to other sites not maintained or controlled by the Owner. These links are provided for convenience only and are not endorsements. Access to or use of linked sites is subject to their terms and conditions. You are responsible for any use you make of the content on such sites and the consequences of such use.

Privacy Policy: Welcome

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177 Post Street, Suite 800
San Francisco, CA 94108

(415) 781-6300

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