Terms of Use/Online Privacy

Welcome to our web site. We have provided this web site (the "Site") for your convenience to help you learn about our companies, products and services. This page provides important information about use of this website and other legal matters.

By using this site, you signify your acceptance of these Terms and Conditions of Use. Please be aware that they may be changed or updated at any time without prior notice. Changes are effective when posted on the Site. Please review them periodically for current information.

The Cetera family of broker-dealers includes Cetera Advisor Networks LLC, Cetera Advisors LLC, Cetera Financial Specialists LLC and Cetera Investment Services LLC (each a "Cetera Broker-Dealer"), all affiliates of Cetera Financial Group, Inc. ("Cetera"). Each Cetera Broker-Dealer maintains its own website and information on that broker-dealer, as well as its products and services, and limitations and restrictions on products and services, may be found on this Site or on the Cetera Broker-Dealer's own website. This Site is owned and operated by Cetera Financial Group, Inc., with its principal place of business at 200 N. Sepulveda Blvd., Suite., 1200, El Segundo, CA 90245.

Cetera does not offer products and services directly and its Site is intended as a resource for financial professionals and not consumers of financial products. Please be aware that any products, services, product features or underlying investment options described on this Site may not be available by any one or more Cetera Broker-Dealers, or may not be available in any one or more jurisdictions, and generally are not available outside the United States. The laws of each country, state, or territory may differ and not all products and services are available in all locations. References to products or services do not imply that these products will be made available to you, and nothing on this Site shall be considered a solicitation to buy or an offer to sell a security, insurance product or service to any person in any jurisdiction where such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. A customer's eligibility for certain products and services is subject to final determination of the applicable Cetera Broker-Dealer.

Variable annuities, variable life insurance, and mutual funds are offered for sale by prospectus only. To request prospectuses containing more complete information regarding registered products in your jurisdiction, including charges and expenses, please contact the appropriate Cetera Broker-Dealer.

Forward Looking Statements

Certain statements may be contained on this Site which may include statements of future expectations and other forward-looking statements that are based on management's views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to, without limitation (i) general economic conditions, including in particular economic conditions, (ii) performance of financial markets, including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency levels, (vi) interest rate levels, (vii) currency exchange rates, including the Euro - U.S. dollar exchange rate, (viii) increasing levels of competition, (ix) changes in laws and regulations, (x) changes in the policies of central banks and/or foreign governments, and (xi) general competitive factors, in each case on a global, regional and/or national basis. Forward looking statements may not be relied upon and Cetera has no obligation to correct or update any forward-looking statements on this Site.

Links and Third-Party Content

From time to time, Cetera may provide links from this Site to a non-Cetera site or permit a link from a non-Cetera site to this Site. Such links are for your convenience only and do not imply any affiliation with, or an endorsement, authorization, sponsorship or promotion of the third-party site or its owner. Cetera does not control or review any link, and accepts no responsibility for the content, products or services provided at these linked sites. If you decide to access such sites, you do so solely at your own risk and subject to the terms and conditions of the third-party sites. Links to this Site may be made only with the permission of Cetera.

From time to time Cetera may provide information at this Site supplied by third parties. Any opinions, advice, statement, services, offers, or other information expressed or made available by a third party, are those of such third party and not Cetera. Cetera and the Cetera Broker-Dealers do not independently verify the information provided by third parties and does not guarantee the accuracy, completeness, timeliness or correct sequencing of such information, and assumes no responsibility for Content displayed on this Site that may be provided by another party.

Submissions

All information submitted to Cetera via this Site shall be deemed and remain the property of Cetera and we shall be free to use, for any purpose, anywhere and in any format, any ideas, concepts, know-how or techniques contained in the information you may provide to Cetera through this Site. Cetera shall not be subject to any obligations of confidentiality regarding such information, except as specifically stated in our privacy policies, specifically agreed to or required by law. You are advised that Cetera does not want you to provide and prohibits you from providing any information or materials to Cetera that are defamatory, threatening, obscene, harassing, or otherwise unlawful or offensive, or that incorporate the proprietary material of another without authority.

Execution of Transactions

You can only execute transactions, or obtain personal account information, by following the specific instructions provided by your Cetera Broker-Dealer. WE ARE UNABLE TO EXECUTE TRANSACTIONS OR PROVIDE PERSONAL ACCOUNT INFORMATION VIA E-MAIL. When using this Site to execute transactions, problems may occur that are beyond Cetera's ability to correct. Access to this Site may be limited or unavailable during periods of peak demand, systems upgrading, maintenance or other reasons.

Copyright

All of the information and content on this Site, including but not limited to all text, graphics, images, software applications and code, video, audio, and user interface design ("Content") is the property of Cetera or its affiliates, or is being used by Cetera with the express permission of a licensor, and is protected by United States and foreign copyright laws and conventions. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Site or its Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms and Conditions. The use of the Content on any other website or in a networked computer environment for any purpose, or any other republication, redistribution or use of the Content, including, without limitation, framing the Content within another website, is expressly prohibited without the prior written permission of Cetera.

Trademarks, Service Marks, and Logos

The trademarks, service marks, logos, URLs and domain names, registered or not, including without limitation "Cetera" and the Cetera trademarks ("Marks") appearing on this Site, and any other Cetera Broker-Dealer site, are the property of Cetera and other parties. You may not use, copy, download, display, transmit or modify any Mark in any way without the prior written consent of the owner of such Mark.

Content and Liability Disclaimer

No warranty. Our intent is to provide accurate and up to date content on this Site; however, that is not always possible. THEREFORE, ALL CONTENT, SERVICES AND FUNCTIONS ON THIS SITE, OR ANY OTHER WEBSITE LINKED TO THIS SITE, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Some jurisdictions do not allow the exclusion of certain implied warranties in which event any required warranty applies to the minimum extent legally required.

Content is provided for informational purposes only and should not be relied on. Although the information on this Site may include statements on various life events and financial, legal or tax concerns, it is provided for informational purposes only, and is not intended and should not be relied upon as legal, tax or personalized advice. Cetera does not warrant or make any representations regarding the suitability, usefulness or expected results of the Content, services, products or functions, including tools such as calculators, provided on this Site or any linked website. You should not rely solely upon this information in making any decisions, including any decision to buy a product or service. You should consult your financial professional and legal and/or tax advisor for advice about the appropriateness of products and services for you, and the effect of state and federal law on the products, services or issues discussed on this Site, or of federal income taxes or any other taxes on amounts held or paid out under any financial products described.

Content may contain inaccuracies or errors and may change.

No warranty or representation is made that the information on this Site is complete, accurate, up-to-date or error-free or that known defects will be corrected. Content, services, products or functions available at this Site may be changed or updated at any time without notice; but Cetera has no obligation to update this Site so information may be out-of-date at any given time. No warranty or representation is made that this Site or any part or function, including without limitation any transactional function, will be available and not subject to interruption at any time.

Disabling devices

No warranty or representation is made that any Content, service, product or function, including without limitation any downloadable files, available at this Site or any linked website is free of a computer virus, worm, Trojan horse, time-bomb or other destructive or harmful program, software, code or device which may erase, scramble, lock or disable any computer software, content or equipment or may prevent users from using a website or any other item of hardware or software. You should routinely scan your system and downloaded files for such disabling devices.

Privacy

We are committed to protecting the privacy and confidentiality of your personal information. Please click HERE to review the Cetera privacy policyPlease click HERE to review the Cetera privacy policy. To review the Cetera Broker-Dealer's respective Privacy Promise please visit that applicable Cetera Broker-Dealer's website. You should also be aware that the Cetera Broker-Dealers have their privacy policies and practices which you should review prior to using such sites.

When you visit and navigate our site and when you communicate with us via our site, we will not collect personal information about you unless you provide us that information voluntarily. You should be aware that when you visit our Site, we collect certain information that does not identify you personally, but provides us with "usage data," such as the number of visitors we receive, what pages are visited by a visitor or the ISPs or types of browsers most frequently used. This data helps us to analyze and improve the usefulness of the information we provide at this Site and our products and services.

Like most commercial website owners, we may also use what is known as "cookie" technology. A "cookie" is an element of data that a website can send to your browser when you link to that website. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the website is able to recognize repeat users, track usage patterns and better serve you when you return to that site. For example, a cookie can be used to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our Site. The cookie does not extract other personal information about you, such as your name and address. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a website is about to deposit a cookie file. In addition, we may use cookies and/or devices called "web beacons" provided by our ad serving technology vendor to help manage our online advertising. The information collected via this ad serving technology is not personally identifiable. To learn more about this technology, or to opt out of the ad serving cookie, please visit http://www.networkadvertising.org/optout_nonppii.asp.

Monitoring Use

Cetera reserves the right to monitor any and all use of this Site in its discretion. However, unless required by law, we do not have any obligation to you to conduct such monitoring or to take any action based on any monitoring we may conduct.

Security

You should be aware that in general information sent through the Internet is not secure. Email services that may be provided through this Site generally are not encrypted and do not provide a secure and private means of communication with us. For certain types of communications through this Site, we may require the use of encryption technologies provided for your protection and/or require you to use user identification information ("UserID") and passwords. You are responsible for the confidentiality and use of your UserID, password, social security number and account number. If you become aware of any loss, theft or unauthorized use of your UserID, password, social security number or account number, immediately notify the appropriate Cetera Broker-Dealer. While Cetera may provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. Please be aware that although passwords or other security protections may be in use, Cetera reserves the right to monitor any and all transmissions, stored messages and routine backup copies of communications to ensure appropriate system usage.

Governing Law

The laws of the State of California govern these Terms and Conditions, without regard to its conflict of laws provisions. If you take legal action relating to these Terms and Conditions or arising out of or relating to your use of this Site, you agree to file such action only in the County of Los Angeles in the State of California and you consent to submit to the personal jurisdiction of the state and federal courts of California for the purposes of pursuing any such action. Any cause of action you may have with arising out of or related to your use of this Site must be commenced within one (1) year after the cause of action arises. Cetera and the Cetera Broker-Dealers reserves the right to seek all remedies available at law and equity for violations of these Terms and Conditions, as well as the right to restrict access to this Site or any portion of it. Cetera does not represent that the information in this Site is appropriate or available, and access from certain locations may be strictly prohibited. Those who access this site do so on their own initiative and are responsible for compliance with all applicable local laws.

U.S. Export Controls Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with United States export control laws and that you will not transfer any software or other content from this Site in violation of United States export controls.

Limitation on liability and damages

IN NO EVENT WILL CETERA BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE OR ANY OF OUR REPRESENTATIVES ARE EXPRESSLY ADVISED OF THE POSSIBILITY OR LIKELIHOOD OF SUCH DAMAGES, ARISING OUT OF OR RELATED TO ANY USE OF OR INABILITY TO USE THIS SITE, OR ANY OTHER LINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, USE OF OR RELIANCE ON INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, THEFT, UNAUTHORIZED ACCESS, DISCLOSURES OF COMMUNICATIONS, OR ANY FAILURE OF PERFORMANCE. Some jurisdictions do not allow limitation or exclusion of certain liabilities or damages in which event in such jurisdiction the foregoing shall apply to the maximum extent allowed by law. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using this Site. In no event shall Cetera's total liability to you for damages, losses and causes of action of any kind - whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise - exceed the amount paid by you, if any, for accessing this Site.

Entire Agreement

These Terms and Conditions represent the entire agreement between Cetera and you relating to the subject matter herein. If any provision of these terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these terms and will not affect the validity and enforceability of the remaining provisions.