Terms of Use

Terms

By accessing the website at spcfinancial.com, any variation or subdomain of that address, or any of the other websites we own or operate (collectively, the "Site"), you are agreeing to be bound by these Terms of Use (the "Terms") and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing our Site. The images and materials contained on our Site are protected by applicable copyright and trademark laws.

As used herein, "SPC", "us", "we", and "our" mean SPC Financial, Inc., the owner of the Site.

Use License

1. Permission is granted to provisionally copy or download the images and materials (inclusive of content, words, forms, brochures, and information) on our Site (collectively, the "Content") for personal, non-commercial transitory viewing only. This temporary license is not a transfer of any title, right, or interest to you, and you agree that you may not:

   1. modify, change, alter, or adapt any of the Content for your personal or commercial use;

   2. use the Content for any commercial purpose;

   3. publish, republish, disseminate, distribute, publicly display, or share any of the Content for any commercial, non-commercial, or personal purpose;

   4. attempt to decompile or reverse engineer any software contained on our Site;

   5. remove any copyright, trademark, or other proprietary notations from the images and Content; or

   6. transfer the Content to another person or "mirror" the Content on a server which is not owned by SPC.

2. This license shall be deemed automatically terminated if you violate any of these Terms, with or without notice from us. Upon termination of this license, you hereby agree to delete or destroy all of the Content in your possession, whether in electronic or printed format, whether saved on your computer, in a data storage device, in the cloud, or on another server.

Disclaimer

1. The materials on our Site are provided for informational purposes only and are not a complete description and do not comprise a recommendation by us. Some of the materials on our Site have been sourced from information considered to be reliable, but SPC does not represent, warrant, or guarantee that the materials are accurate in all respects. We make no representations or warranties, expressed or implied, and hereby disclaim all other warranties including, without limitation, warranties of fitness for a particular purpose.

2. SPC does not give any warranties or make any representations concerning the accuracy, likely results, or reliability of the use of the Content on our Site or on any websites, resources, or services linked to our Site.

Limitations

In no event shall SPC, its website host, directors, officers, employees, representatives, agents, or affiliates be liable for any losses, expenses, costs, trading losses, or damages (including but not limited to loss of data, lost profits, or losses not avoided) due to use of the Site or the inability to access the Site. These limitations of liability include the transmission of any viruses which may infect the user’s equipment, as well as any internet connection problems.

Accuracy of Materials

The Content appearing on our Site may contain errors of a substantive, technical, typographical, or inadvertent nature. As previously noted, we do not represent or warrant that all of the Content on our Site are accurate, complete, or even current. While we may make changes to the materials on our Site from time to time without notice, we do not make any commitment to update materials which are not accurate, complete, or current.

Links

Certain third-party links may allow you to leave our Site. Such externally linked websites, services, or resources are not owned or controlled by SPC, and we are not responsible or liable for the contents of these third-party websites. We provide these third-party links solely for convenience. The inclusion of any link on our Site does not imply an endorsement, sponsorship, verification, or monitoring of the site by SPC. Interaction with or use of any linked website, service, or resource is not covered under these Terms and is at the user's own risk.

No Investment and Financial Advice

Nothing contained on this Site constitutes investment advice, financial advice, or the recommendation of any security or product. All content and materials are provided for your convenience and information only, and no such content or materials shall constitute an offer to buy or sell any security.

Cookies and First-Party Tracking

We use cookies and/or other technologies when you visit our Site to improve your experience. A “cookie” is a small string of information that a website stores on a user’s computer. These cookies can be either permanent or temporary. Most browsers are set to accept cookies by default; however, you can remove or reject cookies in your browser’s settings. Please be aware that such action could affect the availability and functionality of our Site. For more information on how to control cookies, please check your browser or device’s settings.

Live Chat

Live chat on our website is provided by LiveChat, Inc. ("LiveChat"). LiveChat is a real- time, online instant messaging software that enables our sites’ visitors to chat with one of our financial advisors through our website. Thus, if you “Chat with an Advisor” on our website, your communications are processed by LiveChat. LiveChat monitors and stores your IP address, browser information, operating system, pages of our website visited, and length of time spent. LiveChat stores this information on our behalf in a pseudonymized user profile to remember your information on your next visit.

Website Interactions

Although we utilize technology to monitor how you interact with our Site, we do not participate in behavior-based advertising. This means that we do not collect or share information about your use of our Site to a third-party in order for them to provide advertising products and services tailored to you. We have a legitimate interest in providing the best experience for our clients and prospects.

Hotjar

We utilize Hotjar in order to better understand our users’ needs and to optimize our Site. Hotjar is a technology service that helps us to better understand our users’ experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and do not like), enabling us to enhance and maintain our Site with user feedback in mind. Hotjar uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our Site. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see the ‘about Hotjar’ section of  Hotjar's support site.

Employment

If you apply for a job posting on our Site, we collect information necessary to process your application as is explicitly denoted in our application form(s). This may include your name, email address, phone, LinkedIn Profile, cover letter, resume, team interests, active licenses, current employment, and any additional information you choose to provide. Submitting an application is your implicit consent to our collection of this information.

Contact

If you contact us through a form or link on our website, we collect information necessary to process your request. This may include your name, email address, phone, preferred time of day for response, and message or request. Contacting us is your implicit consent to our collection of this information.

Mailing List

If you request us to send you our weekly financial recap, also known as Current Trends & News ("CTN"), we collect information necessary to process your request. This includes your name and email address. If you request our CTN be mailed, we collect your address. CTN delivery can be stopped by following the unsubscribe instructions in our CTN emails. or by contacting our office by email or phone. We never share our mailing lists with any third-party.

Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the State of Maryland without giving effect to principles of conflicts of law. Venue and jurisdiction for any legal action or proceeding are proper in the Circuit Court for Montgomery County, Maryland or the United States District Court of Maryland, Greenbelt Division.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy at spcfinancial.com/legal/privacy.

Contacting Us

If you have questions about these Terms or a complaint about the Site, we can be reached electronically via our Site’s contact form(s) or by written correspondence sent to:

These Terms of Use are effective as of April 1, 2020.