Last Updated: April 26, 2019
XML Financial, LLC (“XML”, “we” or “our”) may only transact business in a U.S State or territory in which it is registered or qualifies for an exemption or exclusion from registration requirements. XML’s 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 XML’s website on the Internet should not be construed by any consumer and/or prospective client as XML’s solicitation to effect, or attempt to effect, transactions in securities, or the rendering of personalized investment advice. Any subsequent, direct communication by XML with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the current registration status of XML or that of an XML investment advisor representative, please review the reports available SEC Investment Adviser Public Disclosure website.
Certain portions of XML’s 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 an XML representative, or from any other investment professional. XML representatives are neither licensed attorneys nor accountants, 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 in the stock market involves gains and losses and may not be suitable for all investors. Please read XML’s disclosure statement, ADV Part 2A, carefully before you invest or send money.
To the extent that any client or prospective client utilizes any financial calculator or similar device contained within or linked to XML’s 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 XML, or from any other investment professional. Each client and prospective client agrees, as a condition precedent to his/her access to XML’s website, to release and hold harmless XML, its 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 qualified XML representative.
XML created this Website for the convenience of our Internet visitors. The information (including text, graphics, and functionality) is presented ‘As Is’ and ‘As Available’ without express or implied warranties including, but not limited to, implied warranties of non-infringement, title, merchantability, and/or fitness for a particular purpose. XML expressly disclaims any liability for errors and omissions regarding the information and materials contained in the Website. Due to the nature of the Internet, XML cannot guarantee the confidentiality, accuracy or completeness of the information contained in this Website, information provided via this Website, or its suitability for any purpose. Further, although XML makes reasonable efforts to avoid technological problems, XML is not responsible for any technological problem with the Website or with anyone’s use of the Website and will not be liable for any impact these problems may have on users.
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 exclusive confidential and proprietary intellectual property of XML. Any commercial use of such content requires the written permission of XML, which consent may be withheld in our sole discretion. All rights reserved.
Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, XML wants to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. XML is not responsible or liable for any damage or loss caused by such hazards.
This Website may provide links to other websites for your convenience in locating related information and services. XML does not maintain any of these other websites and has no control over the organizations that maintain these websites or the information, products, or services these organizations provide. Although XML believes that the information from these organizations is reliable, we cannot guarantee their accuracy, completeness or suitability for any purpose.
Accordingly, XML expressly disclaims any responsibility for the 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. XML does 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 framing any of the materials on this Website, and/or 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 XML 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 XML 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 XML’s 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 XML harmless from and against any and all claims, damages, liability and/or costs relating to you or your agents use of this Website.
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
No Rights of Third Parties
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.
XML understands 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.
XML is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.
In maintaining the XML 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, XML is currently not utilizing this analytics tool.
Responsibility for User Information
In certain cases where users request information from XML, we will also collect information voluntarily provided to us by site visitors in the Request more information forms. This personal information would 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 at XML. The email itself then becomes part of the archived correspondence and subject to XML’s regulatory books and records rules. For all requests for information submitted via firstname.lastname@example.org the following policies apply.
We cannot accept via email without verbal verification trade orders, instructions for the transfer or disbursement of funds to a third party or change of mailing address. If you receive this e-mail in error, please advise me (by return e-mail or otherwise) immediately. XML Financial, LLC (“XML”) is a registered investment adviser with the SEC. The use of the terms “registered investment adviser” or “registered” by us does not imply by itself any level of skill or training. Information received by or sent from this system is retained by an archiving service subject to review by supervisory personnel and regulatory authorities or others with a legal right to review the content. These emails cannot be erased or altered. 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.
XML 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 800-824-8834.
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.
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. XML 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 XML site including what page you first landed on. For added control, users may adjust their own browser settings to address cookies.
Changes to Website
XML may change the Website or update material without notice. While XML may make reasonable efforts to keep the site information accurate, XML is not obligated to update or correct information within any specified time period. XML is not responsible for information provided by third parties, whether the information is part of this Website, is in any linked website, or is information about us that is provided on any website other than this one.
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
XML reserves 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.
How to Contact Us
XML Financial, LLC
One Preserve Parkway, Suite 120
Rockville, MD 20852