Terms of Use

Finova’s Terms & Conditions

Finova Securities LLC (“Finova”) provides all information and materials on this website subject to the following terms and conditions. Please read these terms and conditions carefully. By accessing this website, you agree to be bound by the terms and conditions below. These terms and conditions are subject to change. IF THESE TERMS AND CONDITIONS ARE NOT ACCEPTABLE IN FULL, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS SITE. Use of this Site may be monitored, tracked, and recorded. Anyone using this Site expressly consents to such monitoring, tracking, and recording.

Content of Finova’s Website

Finova’s official Internet Website (“Site”) is intended to provide Finova’s clients and other investors with general information regarding investing, and other specific information and data, such as stock quotes, research reports, commentary regarding particular securities, and information about Finova client accounts. This Site is provided for informational purposes only and does not constitute an offer to sell nor a solicitation of an offer to buy any security referenced in this Site. The information provided on this Site is for personal, non-commercial use. Finova is not providing specific investment advice to any individual viewing the Site's content and does not represent that the securities or services described herein are suitable for any specific investor. Investors are advised not to rely on any information contained in this Site when making a fully informed investment decision. Site users should contact a Finova representative before making any investment decisions. Finova does not provide tax or legal advice through this Site.

Information on this Site, including pricing, valuation, and commentary on specific securities, reflects the authors’ analysis and other information available as of the publication date indicated. Finova does not guarantee the accuracy, completeness or timeliness of such information, which is subject to change. Finova is not obligated to update the information to reflect changes after publication. Furthermore, quotations, news, opinions, commentaries, recommendations, data, pricing and all other information contained on this Site are believed to be reliable, but Finova cannot and does not guarantee its accuracy, timeliness or completeness.

Notice for Non-U.S. Investors

This Site has been published in the United States for residents of the United States. This Site is not intended for use by, or to provide any information to, investors outside of the United States. Investors outside the United States may be subject to securities and tax regulations within their applicable jurisdictions not addressed on this Site. No security, investment advisory service, or other product or service will be offered or sold in any jurisdiction in which such offer, solicitation, purchase or sale would be contrary to the securities laws or other local laws and regulations. U.S. investors should be advised that not all investments discussed on the Site may be available in all states. Finova reserves the right to require proof of residence from any user accessing the Site and requesting information.

Nothing on this Site shall be construed to be a solicitation to buy or an offer to sell any security, product or service to any non-US investor, nor shall any such security, product or service be solicited, offered or sold in any jurisdiction where such activity would be contrary to the securities laws or other local laws and regulations, or would subject Finova or any of its affiliates to any registration requirement within such jurisdiction.

Site Ownership and Restrictions on Use

Finova and/or its licensors own all rights, title and interest in and to the data, text, graphics and other materials (“Materials”) appearing on and/or generated by this Site, including all copyright, trademark and other intellectual property rights therein. You may view, download, print or distribute Materials for your personal and non-commercial use only, provided you do not obscure or remove any copyright or other notices. You may not otherwise copy, publish, display, distribute, commercially exploit, modify, reverse engineer, disassemble, translate, adapt, create derivative works from, transfer or sell in any form or by any means any portion of this Site

(including, but not limited to, any Materials), any underlying computer code or other aspects of the Site.

Prohibited Use

As a condition of your use of the Site, you agree that you will not use the Site for any purpose that is unlawful or prohibited by the applicable terms and conditions. You may not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through this Site.

Copyright Notices

The works of authorship contained in this Site, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by Finova. Except as otherwise explicitly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without Finova’s prior written consent, except to the extent permitted by the Copyright Act of 1976, as amended, and then only with notices of Finova proprietary rights, provided that you may download information and print out hard copy for you personal use, so long as you do not remove any copyright or other notice as may be contained in information as downloaded.

Modifications to the Site and to the Terms and Conditions

Finova reserves the right at any time to modify or discontinue on a temporary or permanent basis the operation of this Site and/or any information, products, and/or services available on this Site without notice. Finova also reserves the right at any time to modify these Terms and Conditions and any other applicable terms and conditions to your use of the Site. Such modifications will be made on the applicable Site pages. It is your responsibility to review these Terms and Conditions and any other notices on the Site on a regular basis to identify any such modifications. Your continued use of the Site serves as your acknowledgment and agreement to observe the applicable terms and conditions. Finova does not have any obligation to notify you of any changes made to the terms and conditions of this Site, other than in the manner described.

Links to Other Websites

As a convenience to you, this Site may provide links to other Web sites. Finova has no control and is not responsible for the privacy practices of these linked sites. Finova shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, advertising, information, links, products, services, or other material available on or through any such linked site.

Privacy Policy

It is Finova's policy to protect the privacy of our clients who share personal and financial information with us during the course of receiving financial services from Finova. We treat your information as confidential and recognize the importance of protecting access to it. Finova protects your privacy and treats as confidential any personal or financial information we receive in the course of providing our financial services to you. We are providing you with our Privacy Notice and Privacy Policy per SEC Regulation S-P and Title V of the Gramm-Leach-Bliley Act and its implementing regulations.

Disclaimer and Limitation of Liability

Finova accepts no responsibility for and makes no warranties of any kind regarding the suitability, reliability, completeness, availability, timeliness, or accuracy of the information available on or through this site, and cannot assume or be responsible for any financial results based on the use of such information. Any quotations or other pricing information provided on this site may be delayed or outdated and may not reflect the prices at which the quoted securities may be bought or sold. This site, including any content or information contained within it or any site-related service, is provided “as is” with no representations or warranties of any kind concerning the use of the site and any information available on or through the site either express or implied, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. You assume total responsibility and risk for your use of this site, site-related services, and hyperlinked sites. No oral or written information or advice given by Finova or Finova authorized representatives shall create a warranty or in any way increase the scope of this warranty.

In no event shall Finova be liable for any direct, indirect, punitive, incidental, special, exemplary, consequential or any other damages whatsoever arising out of or in any way connected with (1) the use or performance of the site or any hyperlinked site, (2) the delay or inability to use the site in whole or in part, (3) any reliance by you on information provided on or through this site or any hyperlinked site, or on the reliability, accuracy, completeness, sequence or timeliness thereof, (4) any use by you of e-mail, or (5) termination or modification by Finova of the site or any services or information provided thereon, whether based on contract, tort, negligence, strict liability or otherwise, even if Finova has been advised of the possibility of such damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

In addition to and without limiting the foregoing, Finova shall not be liable for any harm caused by the transmission, via use of the site, of a computer virus or other computer code or programming device that might access, modify, delete, damage, corrupt, deactivate, disable, disrupt, or otherwise impede in any manner the operation of any of your software, hardware, data or property. If you are dissatisfied with any portion of the site, or with any of these terms and conditions of use of the site, your sole and exclusive remedy is to discontinue using this site.