| PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. BY ACCESSING AERADVISORS.COM AND ANY PAGES THEREOF (the "Site"), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS LISTED BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THE SITE, OR ANY PAGES THEREOF. |
| No Offer/Local Restrictions |
| Nothing contained in or on the Site should be construed as a solicitation of an offer to buy or offer, or recommendation, to acquire or dispose of any security, commodity, or other investment or to engage in any other transaction. AER Advisors, Inc. (AER) offers a number of products and services designed specifically for various categories of investors. Not all products will be available to all investors. These products or services are only offered to such investors in accordance with applicable laws and regulations. |
| The information provided on the Site is 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. All persons and entities accessing the Site do so on their own initiative and are responsible for compliance with applicable local laws and regulations. The Site is not directed to any person in any jurisdiction where the publication or availability of the Site is prohibited, by reason of that person's nationality, residence or otherwise. Persons under these restrictions must not access the Site. |
| No Reliance |
| Information contained in the Site is checked and updated by AER with due diligence on a regular basis. However, data on the Site may become outdated. AER assumes no liability or guarantee for the timeliness, accuracy and completeness of the information provided. AER uses reasonable efforts to obtain information from sources which it believes to be reliable; however, AER makes no representation that the information or opinions contained on the Site is accurate, reliable or complete. The information on the Site is provided for informational purposes only and is subject to change without notice. The investments and strategies discussed in the contents may not be suitable for all investors and are not obligations of AER or guaranteed by AER. The investments are not bank deposits and are not insured by the FDIC, CIPF, CDIC or any other entity and are subject to investment risks, including the loss of principal amount invested. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision. |
| No Warranty |
| The information on the site is provided "as is". AER does not warrant the accuracy of the materials provided herein, either expressly or impliedly, for any particular purpose and AER expressly disclaims any warranties of merchantability or fitness for a particular purpose. |
| Limitations of Liability |
| In no event, including negligence, will AER be liable for any loss or damage of any kind, including any direct, special indirect or consequential damages arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Site. |
| Privacy |
| Privacy information for public areas on the site |
| When using the public areas of the Site, AER does not monitor or collect any personally identifiable information from you. AER may, however, track the number of users who visit the public areas of the Site. AER may also record the location of your computer on the Internet for systems administrative and trouble shooting purposes and to report aggregate information. AER uses various technical means, including "cookies", to collect and store information about your Internet connection when you visit the site. Cookies are data elements that the site sends to your browser. AER uses cookies to measure the number of visitors to various parts of the Site. This information helps AER to improve the Site and make it more useful to the Site's visitors. If you would prefer not to accept cookies from the Site, you may set your browser accordingly. If you choose to disable cookies in your browser, you can still access most of the Site. AER may use other methods now or in the future to accomplish the goals of collecting technical and navigational information about the Site. |
| If you voluntarily provide personal information such as an e-mail address when inquiring about AER or its products and services, we use that personal information to improve our services to you, to provide information to you and to inform you about additional products or services that may be of interest to you. AER does not share your personal information with unaffiliated third parties, except in accordance with the firm's privacy policies summarized below under "Notice of Privacy Policies and Practices." |
| Privacy information for password-protected areas on the Site |
| When using the areas of the Site which require a personal identifier and password, AER does not monitor or collect any personally identifiable information from you. Additionally, AER may track the number of users who visit various areas of the Site. AER may also record the location of your computer on the Internet for systems administrative and trouble shooting purposes and to report aggregate information. AER uses various technical means, including "cookies", to collect and store information about your Internet connection when you visit the Site. Cookies are data elements that the Site sends to your browser. AER uses cookies to measure the number of visitors to different parts of the Site. This information helps AER to improve the Site and make it more useful to the Site's visitors. |
| AER uses your personal information to service your account, to improve AER's services to you, to provide information to you and to inform you about additional products or services that may be of interest to you. AER does not share your personal information with unaffiliated third parties without notifying you, except to in accordance with the firm's privacy policies summarized below under "Notice of Privacy Policies and Practices." |
| While AER takes active steps, including use of firewall barriers, encryption techniques and authentication procedures, to protect all information AER receives online, AER cannot guarantee the security of any information you transmit to the Site online, and you do so at your own risk. |
| If you share your personal information, including your password information, with a third party, you do so at your own risk. By doing so, you may compromise the security of your personal information, including account/financial information. If you share your password information with a third party, such as an information aggregator, we may not be able to verify the user of the password information. If you choose to share your password information with a third party including an information aggregator, we assume no liability or responsibility whatsoever for the integrity and security of that third party's information systems or for dissemination, through a third party, of any of your personal and confidential information. For security reasons, you will automatically be logged out of a password-protected site after 20 minutes of browser inactivity. |
| Notice of Privacy Policy and Practices |
| AER recognizes and respects the privacy expectations of its customers . We provide this notice to you so that you will know what kinds of information we collect about our customers and the circumstances in which that information may be disclosed to third parties who are not affiliated with the Company. |
| Collection of Customer Information |
| We collect nonpublic personal information about our customers from the following sources: |
- Account Applications and other forms, which may include a customer's name, address, social security number, and information about a customer's investment goals and risk tolerance;
- Account History, including information about the transactions and balances in a customer's account; and
- Correspondence, written, telephonic or electronic, between a customer and the firm or service providers to the firm.
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| Among other sources, we may collect this information through the Company's Internet web sites. |
| Disclosure of Customer Information |
| We may disclose all of the information described above to certain third parties who are not affiliated with the Company under one or more of the following circumstances: |
- As Authorized – if you request or authorize disclosure of the information.
- As Required by Law – for example, to cooperate with regulators or law enforcement authorities.
- As otherwise Permitted by Law – for example, sharing information with companies that maintain, process or service customer accounts or financial products and services or effect, administer or enforce customer transactions is permitted.
- Under Joint Agreements – we may also share information with companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
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| Security of Customer Information |
| We require service providers to the Company:
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- To maintain policies and procedures designed to assure only appropriate access to information about customer of the Company;
- To limit the use of information about the Company's customers to the purposes for which the information was disclosed, or as otherwise permitted by law; and
- To maintain physical, electronic and procedural safeguards that comply with federal standards to guard non-public personal information about our customers.
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| We will adhere to the policies and practices described in this notice regardless of whether you are a current or former client of the Company. |
| If you have questions regarding these policies, please contact us by writing to AER Advisors, Inc. P.O. Box 670 North Hampton, NH 03862, Attention: Janine Cohen, Chief Compliance Officer, or by calling 603-964-5965. |