Website Terms of Use

Last Updated: November 2024 XML Financial Group (“us”, “we” or “our”) may only transact business in a U.S State or territory in which we are registered or qualify for an exemption or exclusion from registration requirements. This website is limited to the dissemination of general information pertaining to advisory services, together with access to additional investment-related information, publications, and hyper links to other industry related web-based sources. Accordingly, the publication of our website on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advice. Any subsequent, direct communication by us with a prospective client shall be conducted by an investment advisory representative, referred to as a Wealth Advisor. For information pertaining to the current registration status of us or that of a Wealth Advisor , please visit the SEC Investment Adviser Public Disclosure website. Certain portions of this website may contain a discussion of, and/or provide access to the opinions of other investment and non-investment professionals as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current opinion or circumstances. Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from us, or from any other investment professional. Wealth Advisors and employees are neither licensed attorneys nor accountants, unless specifically identified as such, and no portion of the website content should be interpreted as professional legal, accounting or tax advice. Past performance is no guarantee of future results.  Investing involves risks and may not be suitable for all investors. Before you engage our services, please read our Client Relationship Summary (Form CRS), ADV Part 2A Brochure or Wrap Fee Brochure and the Advisor’s individual 2B Supplement, found on each of the Advisor’s Bio page.To the extent that any client or prospective client utilizes any financial calculator or similar device contained within or linked to this website, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from us, or from any other investment professional and should not be relied upon to make investment decision. Each client and prospective client agrees, as a condition precedent to his/her access to this website, to release and hold us harmless, our officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her actions and/or omissions which are independent of his/her receipt of personalized individual advice from a Wealth Advisor.

No Warranty

CFP Designation

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, Certified Financial Planner™ and CFP® in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Copyright

The entire content (including text and ‘look and feel’ attributes) of this Website is copyrighted by XML Financial, LLC or other third-party providers, or otherwise constitutes the our exclusive confidential and proprietary intellectual property . Any commercial use of such content requires our written permission of  which consent may be withheld in our sole discretion. All rights reserved.

Viruses

Due to the significant rise in the creation and spread of computer viruses affecting the Internet, XML advises you to be cautious about potential infections or viral threats to your system. It is your responsibility to scan all downloaded files from the Internet. XML is not liable for any damage or loss resulting from such risks.

Linked Websites

This Website provides links to other websites unrelated to XML for your convenience in locating related information. We do not have control over third party organizations nor their websites or the information, products, or services these organizations provide. Although we believe that the information from these organizations is reliable, we cannot guarantee their accuracy, completeness, or suitability for any purpose. Accordingly, we expressly disclaim responsibility for the entire content of these other websites, the accuracy of the information on these websites and/or the quality of products or services provided by the organizations that maintain them. We do not recommend or endorse these organizations or their products or services in any way and access to them is at the user’s own risk. 
You are prohibited from suggesting any affiliation or endorsement between us, without our prior written authorization. You may print copies of the material contained in this Website solely for your internal use in connection with the services provided to you by us and solely in accordance with these terms and conditions. You are expressly prohibited from selling; distributing; copying, amending; modifying; posting; transmitting; uploading; or similar action regarding the material in this Website including: graphics; text; content; logos or the like. Further, you are prohibited and will be responsible for any and all of your unlawful use of this Website.

Limitation of Liability

Under no circumstances including, but not limited to, negligence, shall we be liable for any direct or indirect, incidental, special or consequential damages that result from the use of, or the inability to use, the materials in this Website, even if we or our authorized representatives have been advised of the possibility of such damages. In no event shall our total liability to you for all damages, losses, and causes of action (whether in contract, tort or otherwise) exceed the amount paid by you, if any, for accessing this Website. You are solely responsible for your decision to and use of this Website. You shall indemnify and hold us harmless from and against any and all claims, damages, liability and/or costs relating to you or your agents use of this Website.

Jurisdiction

The laws of the State of Delaware govern this Website in all respects. Any disputes or actions shall be initiated and resolved through Delaware courts. 

Visiting Our Website from Outside the United States

The Website Privacy Policy herein is intended to cover collection of information on or via our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located, and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties

The Website Privacy Policy herein does not does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website. Information throughout this site, whether charts, articles, or any other statement or statements regarding markets or other financial information, is obtained from sources which we, and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to state or imply that past results are an indication of future performance. Neither we nor our information providers shall be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES, EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY ‘LINKED’ WEBSITE.

Website Privacy Policy

We understand that privacy is a concern for visitors to our website. You can visit our site to read about our firm, our services and type of product offerings, employees, find our branch offices, request information and access financial related calculators. This Privacy Policy describes the ways in which we collect, use, maintain and disclose information collected from our visitors and/or clients (collectively, “users”, “you” or “your”) through the use of this website. XML Financial,  is the sole owner of the information collected on this site. We will not sell or rent this information to others in ways different from what is disclosed in this statement. By providing a telephone number and submitting a form on our website, you are consenting to be contacted by SMS text message. Message & data rates may apply. You may reply STOP to opt out of those messages. No telephone number information will be shared with third parties for marketing/promotional purposes. In maintaining this website, we gather information about site and page usage by visitors through a website analytics tool. This tool gathers data on website activity, such as how many people visit the site, pages they visit, how long they visit, etc. This information is obtained on an anonymous and aggregate basis and it helps us measure the use of the website’s content. None of this information is associated to an individual. These statistics can be used to monitor the performance of the website and to improve content for our site visitors, However, we are currently not utilizing this analytics tool.

Responsibility for User Information

In certain cases where users request information from us, we will also collect information voluntarily provided to us by site visitors in the Contact Us form. This personal information could include name, address, telephone and fax numbers, e-mail address, as well as other demographic information and message content volunteered by the site user. The information is captured in the admin section of our website and emailed to an employee. The email itself then becomes part of the archived correspondence and subject to our regulatory books and records rules. For all requests for information submitted via info@xmlfg.com the following policies apply. We cannot accept via email  trade orders, instructions for the transfer or disbursement of funds to a third party or change of mailing address without verbal verification with the respective account associated person. This information will not be sold to or provided to an unaffiliated third party except as expressed herein. No information is collected or saved when utilizing the various calculators on our website. We will use reasonable precautions to maintain the confidentiality of the information provided to us. The identifiable information will be visible to the website admin users. The website admin users have the ability to reset a user’s password and delete the user’s information. The information will be maintained in the admin database until a user submits a request to delete their information. Requests to delete information or export personal information may be made by calling 301-770-5234 or email info@xmlfg.com addressed to Compliance. Due to change in Internet technology and the services we may choose to provide in the future on our website, we may  change this privacy policy at any time. If we make such amendments, they will be posted as they go into effect. If you have any questions about this policy, you may contact us using our “Contact Us” feedback form or call 301-770-5234 and ask for Compliance.

Cookies

There are a couple types of cookies related to the web browsing experience. Neither cookie type contains any personally identifiable information. A temporary cookie, technically known as a Session Cookie, is one that your browser sets by default to communicate your browsing experience between you and the server. This session cookie is automatically destroyed in your browser when you close the web browsing session.  The second cookie type is known as a persistent cookie. A persistent cookie is a small bit of data stored locally on your machine that help with the overall browsing experience.  This website in general does not utilize the use of persistent cookies for the site to function properly. However, these cookies can help us provide a more tailored experience for users based on the type of product user has expressed interest in and in the way a user chooses to utilize the services. The types of persistent cookies utilized is for tracking how and when you initially found this site including what page you first landed on. For added control, users may adjust their own browser settings to address cookies.

Changes to Website

We will change the Website content or update material without notice. While we make reasonable efforts to keep the site information accurate, it may not be possible to maintain 100% accuracy. We encourage you to visit the site often to stay informed of changes. We reserve the right to add, delete or otherwise modify the Terms of Use (TOU) at any time without notice to you. Any continued use of the Website after such additions, deletions or modifications shall be deemed to constitute acceptance by you of the additions, deletions or modifications.

Age and Responsibility

You represent that you are of sufficient legal age to use this Website and to create binding legal obligations for any liability you may incur as a result of the use of this Website. You agree that you are financially responsible for all uses of this Website by you and those using your login information, including any data aggregation service providers that you have authorized to access your data.

Termination of Access

We reserve the right to terminate, without prior notice to you, your access to this Website in our sole discretion, including without limitation, for overuse or abuse of this Website.

No Investment Advice or Offers

Nothing in the Website constitutes investment advice or recommendations as to the suitability of any specific product or security. All content is provided for your convenience and information only, and no such content shall constitute an offer to sell or a solicitation of an offer to buy any security. Prior to the execution of any transaction by you involving information you received from this Website, you should consult your financial, business, tax and accounting advisors and your attorney, with respect to the price, suitability, value, risk or other aspects of any stock, mutual fund, security or other investment. Pricing and other information generated through the use of data or services made available herein may not reflect actual prices or values or complete data that would be available in the market at the time. The content provided on this Website are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where XML is not authorized to provide such information or services.

How to Contact Us

If you have any questions about the Website Terms of Use or the Website Privacy Policy please contact us.