Last Revised 3/6/2015
AccessCircles is a membership organization offered by Access Circles, LLC (“AccessCircles,” “We” or “Us”) that provides information of interest to women concerning financial matters, health and wellness, and general well being, including through its website located at accesscircles.com.
ACCEPTANCE OF TERMS
No information provided on the Website, feature of membership, or other communication from AccessCircles shall constitute investment advice, a recommendation or an offer or solicitation with respect to the purchase or sale of any security. Although the information provided may include information or material concerning investments or the investment process generally, AccessCircles is not providing investment advice and does not represent that any particular security or investment is suitable for any Member.
We receive fees pursuant to consulting agreements with a number of financial institutions and other service providers relating to, among other things, marketing to high net worth women. Although pursuant to these agreements AccessCircles will not receive placement fees or commissions based on Members’ business with such institutions or providers, these agreements result in conflicts of interest, including, without limitation, an incentive to promote the services of its existing clients over a financial institution or other service provider that is not a client of AccessCircles.
AccessCircles does not provide tax or legal advice. To the extent that any Website content or other communication from Us concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer‘s particular circumstances from an independent tax advisor.
Neither the Website nor any other programs offered by AccessCircles are designed to provide medical advice, professional diagnosis, or related services to you or any other individual. Always consult with your health care provider for questions on personal health or medical issues.
By offering Members information about third party providers of goods or services, We are not in any way endorsing or attesting to the quality or suitability of goods or services they provide. Such information is provided for informational purposes only as an accommodation to our Members.
INTELLECTUAL PROPERTY RIGHTS
ACCESSCIRCLES® and certain other names or logos displayed on the Website are trademarks, service marks or trade dress owned or licensed by AccessCircles. Third party product and service names and marks are the property and trademarks of the suppliers of such products or services. Such marks are protected by U.S. and international law. Elements of the Website, including, but not limited to the “look” and “feel” of the Website, are protected by trade dress and other laws and may not be copied or imitated in whole or in part.
All information, ideas or suggestions you transmit to AccessCircles, shall be on a non-confidential basis and shall become the property of AccessCircles. AccessCircles and those it authorizes shall be free to reproduce, use, disclose or distribute such communications without limitation, compensation to you or other obligation.
ACCEPTABLE USE OF THE SITE, ITS INFORMATION AND MATERIALS
The information and materials on the Website and the services available to members are subject to change. If you object to any such changes, your sole recourse shall be to cease membership. Continued use of the Website or services following notice of any such changes shall indicate your acknowledgement of such changes and agreement to be bound by the new terms, conditions and descriptions. You agree to accept electronic communications, links to and/or postings of any revised terms, conditions or descriptions and that such electronic communications, links and/or postings constitute notice to you of any new or different terms, conditions or descriptions.
Not all products and services offered or described on the Website are available in all geographic areas. Your eligibility for particular products and services is subject to availability in your region and final determination by the business providing the product or service.
Goods, services or promotional offers provided by third parties may be subject to additional terms and conditions of such providers. AccessCircles does not assume responsibility for third party offerings made available on the Website or make any warranty with regard to them, and information about such offerings is provided for informational purposes only. Your use of third party goods and services is at your own risk.
The views expressed on the Website or in related publications constitute the views or judgment of the author(s) as of the publication date and are subject to change without notice.
AccessCircles is not responsible for the content and accuracy of information provided by third parties.
As one of the conditions of your use of the Website, you represent, warrant and agree that:
(b) you will not upload, post, transmit to, distribute or otherwise publish through the Website any materials that:
(i) restrict or inhibit any other persons from using and enjoying the Website;
(ii) are unlawful, threatening, hateful, abusive, false, defamatory, obscene, vulgar, offensive, pornographic, profane, sexually explicit, indecent or endorse or advocate illegal or immoral activity, or violate the rights of any third party;
(iii) constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, statute, ordinance or regulation;
(iv) violate, plagiarize or infringe the rights of third parties, including, without limitation, copyright, trademark, trade secret, patent, rights of privacy or publicity or any other proprietary right;
(v) contain a virus, worm, Trojan horse, or any other destructive feature, regardless of whether you intend any damage to the Website and/or its content;
(vi) contain any information, software or other material of a commercial nature;
(vii) contain advertising or commercial notices of any kind;
(viii) impersonate another person, living or dead;
(ix) contain chain letters, pyramid schemes or like documents; or
(x) contain any information that is presented in any manner or for any purpose other than that which is within the Website’s intended and acceptable use.
(c) you will not upload, post or transmit to or distribute or otherwise publish through the Website any materials anonymously or under a false name;
(d) you will represent yourself accurately and truthfully at all times;
(e) you grant AccessCircles the right to verify independently by any lawful means any information that you transmit to AccessCircles through the Website, including, but not limited to, information about yourself;
(f) you will not modify, alter, adapt, translate, create derivative works from, reverse engineer, disassemble, decompile or decode the Website or any element of it for any reason, except as expressly permitted by applicable law; and
(g) you will not use any robot, spider, other automatic device, or manual process to monitor or copy the Website or its content, or any substantial part thereof, without Our prior written consent.
USE AND PROTECTION OF USER NAME AND PASSWORD
If you establish, or are issued, a user name and password to use or gain access to restricted areas of the Website, if any, you are responsible to maintain the confidentiality of your user name and password and for restricting others from using them. You are no longer authorized to use, and you may not use, the user name and password if, at any time, you are no longer authorized to have access to any restricted areas of the Website, or if the conditions which entitle you to access cease to exist. You are responsible for all uses of your user name and password whether or not you have expressly or impliedly authorized such use. We will assume that any person making purchases or accessing restricted areas of the Website using your user name and/or password is you, or is authorized by you to enter into agreements or make warranties or representations on your behalf.
When you communicate with AccessCircles through the Website or send us emails you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
ACCURACY OF WEBSITE MATERIAL
All material on the Website is provided without express or implied warranties and AccessCircles does not warrant that Website content is accurate, complete, reliable, current or error free or assume responsibility for any errors or omissions in the material.
COPYRIGHT INFRINGEMENT NOTICE
If you believe that any material on the Website infringes a copyright that you own or are authorized to represent, please provide Us with a written notice containing the following information: (a) electronic or physical signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed; (c) a description of where the material that you claim is infringing is located on the Website; (d) your address, telephone number, and e-mail address; (e) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
The above notice should be provided to firstname.lastname@example.org.
You are prohibited from taking any actions that will violate or attempt to violate the security of the Website, including, without limitation (a) accessing data or portions of the Website not intended for your use or logging into a server or account which you are not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any user, host or network, including, without limitation, by means of submitting a virus, worm or Trojan horse to, overloading, “flooding”, “mailbombing” or “crashing” the Website; or (d) sending unsolicited e-mail (other than email to us regarding the Website or the goods sold through the Website) promoting and/or advertising products or services (all of the foregoing, the “Security Rules”). Attempts to violate, or violations of, system or network security or the Security Rules may result in civil or criminal liability. We will investigate any such attempts or violations, may report them to law enforcement agencies, and may cooperate with law enforcement agencies in prosecuting users who are involved in such violations or attempted violations.
LIMITATION OF WARRANTIES AND DISCLAIMERS
ACCESSCIRCLES DOES NOT WARRANT THAT THE WEBSITE WILL OPERATE UNINTERRUPTED OR ERROR-FREE OR THAT THE WEBSITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEBSITE OR THE CONTENTS RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, ACCESSCIRCLES IS NOT RESPONSIBLE FOR THOSE COSTS. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS WEBSITE AND THE INTERNET GENERALLY.
IN NO EVENT SHALL ACCESSCIRCLES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA, OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OF OR ACCESS TO, OR THE INABILITY TO USE OR ACCESS, THE WEBSITE, ITS CONTENT AND/OR ANY DOCUMENT OR SERVICE OFFERED ON THE WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ACCESSCIRCLES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OR LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE LIMITATIONS SET FORTH IN THE ABOVE PARAGRAPH MAY NOT APPLY TO YOU. IF THE LIMITATIONS SET FORTH ABOVE ARE HELD INAPPLICABLE OR UNENFORCEABLE FOR ANY REASON, THEN ACCESSCIRCLES’ MAXIMUM LIABILITY TO YOU FOR ANY TYPE OF DAMAGES SHALL BE LIMITED TO THE GREATER OF (A) $100.00 OR (B) SUCH LARGER AMOUNT AS APPLICABLE LAW REQUIRES.
COMPLAINTS, QUESTIONS, OR COMMENTS
Mail Address: Access Circles, LLC, 19 East Elm St, Greenwich, CT 06830
Telephone: (203) 661.1173