GENERAL DISCLAIMER

About this website

This website has been created and is maintained by Insigneo Financial Group. (“Insigneo”) is comprised of a family of financial companies that provide a variety of products and services to retail and institutional investors throughout various jurisdictions throughout the world. Specifically, Insigneo is comprised of a financial industry regulatory authority (“FINRA”) member broker-dealer, Insigneo Securities, LLC (formerly known as Global Investor Services LP), and two (2) affiliated Securities Exchange Commission (“SEC”) investment advisers, Insigneo Wealth Advisors, LLC (formerly known as HB Asset Management (HBAM)) and Insigneo Advisory Services, LLC (formerly known as Global Investment Advisory Services). The Insigneo related entities maintain both common ownership, as well as share certain office space and personnel that may be dually associated with referenced entities accordingly. The aforementioned entities conduct in part shared operations thus operate under the collective brand name “Insigneo”.

Insigneo conducts activities in the U.S., as well as maintaining approval to conduct activities in certain jurisdictions throughout the world. This website may reference the Insigneo Financial Group which is comprised of various affiliated entities approved to conduct activities in various foreign jurisdictions. Security products are offered and conducted through Insigneo Securities and advisory products and services are offered through Insigneo Wealth Advisors and Insigneo Advisory Services, which are the Insigneo entities approved to conduct activities in the U.S. and with U.S. investors.

This Website and all related pages (together with the documents referred to on it) tells you the terms of use on which you may make use of this website, whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using this site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using this site.

This website is for informational purposes only and does not constitute a complete description of the investment services or performance of Insigneo. This website is in no way a solicitation or offer to sell securities or investment advisory services except, where applicable, in states where Insigneo is registered, notice filed or where an exemption or exclusion from such registration exists. No portion of this website’s content should be interpreted as legal, accounting or tax advice. Information throughout this website, whether stock quotes, charts, investment commentaries, or any other statement or statements regarding market or other financial information, is obtained from sources which we believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. This website is not intended to provide personal investment advice and it does not take into account the specific investment objectives, financial situation and the particular needs of any specific investor. Any statements regarding future events constitute only subjective views or beliefs, are not guarantees or projections of performance, should not be relied on, are subject to change due to a variety of factors, including fluctuating market conditions, and involve inherent risks and uncertainties, both general and specific, many of which cannot be predicted or quantified and are beyond our control. Investments in general involve numerous risks, including, among others, market risk, default risk and liquidity risk. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance.

Any historical information is as of the date stated. Any statements regarding future events constitute only subjective views or beliefs, are not guarantees or projections of performance, should not be relied on, are subject to change due to a variety of factors, including fluctuating market conditions, and involve inherent risks and uncertainties, both general and specific, many of which cannot be predicted or quantified and are beyond our control. Future results could differ materially and no assurance is given that these statements are now or will prove to be accurate or complete in any way.

INFORMATION ON THIS WEBSITE

The investments and investment services described on this website may not be suitable for all people. Before entering into an agreement in respect of any investment referred to on this website, you should consult your own investment advisers as to its suitability for you and should understand that statements regarding future prospects may not be realized. All material on this website is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing on this website constitutes professional and/or financial advice nor does any information on this website constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. Information on this website may not be accurate or current. In particular (but without limitation) information may be rendered inaccurate by changes in applicable laws and other regulations.

Information on this website may or may not have been prepared by Insigneo, but is made available without responsibility on the part of Insigneo, who neither assumes nor accepts any responsibility or liability (including for negligence) and makes no warranty, express or implied, in relation thereto. No action should be taken or omitted to be taken in reliance upon information on this Website.

The prices of the investments referred to on this website and the income from them may go down as well as up and investors may realize losses on them. Investments denominated in foreign currencies are exposed to changes in exchange rates which may have a negative as well as a positive effect on their value. Past performance is not indicative of future results. Levels and bases of taxation may change. In the case of investments for which there is no recognized market it may be difficult for investors to sell their investments or to obtain reliable information about its value or the extent of the risk to which it is exposed.

Insigneo reserves the right to change the information available on this website without notice. Insigneo expressly disclaim any obligation to keep the information on this website up-to-date, free of errors or viruses or to maintain uninterrupted access. Insigneo may stop producing or updating any part of this website without notice.

GENERAL

Access to and use of this website is at your own risk. Insigneo do not warrant that the use of our website or any material downloaded from it will not cause damage to any property, including but not limited to loss of data or computer virus infection. Insigneo will bear no responsibility or liability for your use of any third party vendor's software, products, services or equipment in connection with your access and use of this website. Your use of the products and services on this website may be monitored by Insigneo, and the resultant information may be used by Insigneo for its internal business purposes. Nothing on this website constitutes or forms a part of any offer for sale or subscription of, or any invitation to offer to buy or subscribe for, any securities or other financial instruments, nor should it or any part of it form the basis of, or be relied upon in any connection with any contract or commitment whatsoever. Any services described on this website are available solely subject to the terms and conditions of a client engagement agreement which will represent the whole agreement between Insigneo and the client. Insigneo and its affiliates and/or their officers, directors and employees may have positions in any securities mentioned on this website (or in any related investment) and may from time to time add to or dispose of any such securities (or investment).

COPYRIGHT OR OTHER NOTICES

Insigneo is, unless otherwise stated, the owner of copyright and database right in this website and its contents. Except for personal use only no part of this website may be published, distributed, extracted, re-utilized, or reproduced in any material form (including photocopying or storing it in any medium by electronic means and whether or not transiently or incidentally to some other use of this website). Insigneo reserves the right at any time at its discretion to withdraw or modify the permissions set out above. The above permissions do not apply to any content supplied by third parties, for which you should apply to the relevant content owner for their permission.

USE OF LINKS

Should the viewer leave this site via a link contained herein, and view content that is not provided by Insigneo, the viewer does so at its own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Insigneo. Insigneo is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. Insigneo makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

ACCESS TO THIS WEBSITE

Insigneo endeavors to ensure that access to the website is always available, from time to time we may need to temporarily restrict access to the website without notice and reserve the right to do so, whether for the purposes of servicing the website or otherwise. We accept no liability, no matter how that may be caused, arising from any loss of access to the website at any time.

You may access most areas of the website without registering your details with us and without us recording any of your personal information, however certain areas of the website may require you to register. If you submit an application to seek access to these areas, you are indicating that you have read our [Privacy Policy, as set out below,] and are willing for us to deal with your data as set out in that policy and in order to provide you access to such areas of the website.

Insigneo is not obliged to approve your application, and may remove or limit your access or approval at any time and without incurring any liability. If we do grant you access to an otherwise restricted area of the website, your login details are personal to you. You must keep them confidential and not permit or enable another person to use them.

VIRUSES, HACKING AND OTHER OFFENCES

You must not misuse our site by knowingly introducing viruses, Trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.

By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

Insigneo will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

LIABILITY

To the extent permitted by law, Insigneo excludes any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of this site, any websites linked to it and any materials posted on it, including, loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill and wasted management or office time whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property.

VARIATION

Insigneo hereby reserves the right to change these terms and conditions of use and the contents of this website at any time. Any such changes will (as soon as practicable) be posted by Insigneo on the website and will automatically be binding upon you if you access this website.

EXTERNAL LINKS AND THIRD PARTY CONTENT

Insigneo’S website contains external links to third party content (content hosted on sites unaffiliated with Insigneo). The policies and procedures governing these third party sites may differ from those in effect by Insigneo website, as outlined in these Disclaimers. As such, Insigneo makes no representations whatsoever regarding any third party content/sites that may be accessible directly or indirectly from the Insigneo website. Linking to these third party sites in no way implies an endorsement or affiliation of any kind between Insigneo and any third party, including legal authorization to use any trademark, trade Insigneo, logo, or copyrighted materials belonging to either entity.

Copyright and Limitations on Use

© 2017 Insigneo Financial Group. All Rights Reserved

Proprietary content from Insigneo is the property of Insigneo. As such, Copyrighted Material is protected by U.S. copyright and intellectual property laws. You may print and/or “Share” Insigneo copyrighted material via Twitter, Facebook, Email Shareware (applicable to select pages only) for personal, noncommercial use only. You may not publish, copy, or otherwise reproduce any Insigneo copyrighted material for public/commercial use and/or distribution. Any attempt to reproduce or commercially distribute any copyrighted material without the expressed written permission of Insigneo is strictly prohibited. Insigneo does not grant any expressed or implied rights to the user under any patents, trademarks, copyrights, or other similar rights. Use of editorial content without the expressed written permission of Insigneo is strictly prohibited.

LOGO, TRADEMARKS, AND LIMITATIONS ON USE

Insigneo logo is a registered Trademark under license for use by Insigneo. Nothing on this website shall be construed as granting; by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the website without the expressed written permission of Insigneo. You may not use any metatags or any other hidden text utilizing any Insigneo company domains, Insigneo, or other Trademarks without our expressed written consent.

REGULATION

Insigneo Securities, LLC is registered broker-dealer with the Financial Industry Regulatory Authority and authorized to conduct activities in the U.S. Insigneo Wealth Advisors, LLC and Insigneo Advisory Services, LLC are investment advisers registered with Security Exchange Commission under the Investment Advisers Act of 1940 and are authorized to conduct activities in the U.S.