By entering this site you attest you are an active client or authorized associate.

Please carefully read this Terms and Conditions Statement. Aspida360, Inc. ("Aspida", "we", "our", "us"), operates this site and makes it available to you upon disclosure of this Terms and Conditions Statement. By using this site, you signify that you assent to, and agree to be bound by, the Terms and Conditions Statement. Please do not use our site if you do not accept this Terms and Conditions Statement. Aspida reserves the right, in its sole discretion, to change, modify, add, or remove the Terms and Conditions Statement at any time. We suggest you check the Terms and Conditions Statement periodically for changes. They can be accessed from the link and the bottom of all of our website pages. If you continue to use our site following the posting of any modification to the Terms and Conditions Statement, that use signifies that you accept those modified terms.

Aspida provides this Website for informational purposes only. Nothing on this site should be construed as an offer or solicitation to buy or sell any securities, futures, options, funds or other financial instruments or provide any investment advice or service.

Personally Sensitive Information

Based on the security levels of this website, it is not recommended that you maintain/upload financial documents, legal documents or any materials that contain Personally Sensitive Information. A Licensee, their firms, broker dealer, etc and Aspida shall not be held liable for a breach of Personally Sensitive Information. For your information, this site offers the following level of security:

"The Advanced Encryption Standard is a specification for the encryption of electronic data established by the U.S. National Institute of Standards. AES is an iterative, symmetric-key block cipher that can use keys of 128, 192, and 256 bits.

The financial industry standard level of encryption for stored digital data is AES 128-bit. This site uses a minimum of 256-bit (higher level) encryption.

The financial industry minimum level of encryption for internet based data transfer connections is RSA 1024-bit. This site uses 2048-bit, several grades higher than 1024 in the level of security.

A Secure Socket Layer allows your connection to a web server to be encrypted. The web browser uses this to encrypt (scramble) all of the data that you send to a server as well as the data which the server sends back to you.

The statement above is for informational purposes only and does not constitute nor imply that this site’s level of security, or any level of security, is infallible.  Aspida takes the confidentiality of your personal information and the privacy of your account very seriously."

Secure Your Confidential Documents. Keep all your financial documents in a secure place, and be careful how you dispose of any documents with financial or other confidential information. Shred documents that have confidential financial or identification information before throwing them away.

Jurisdiction

Unless otherwise specified, this Website has been published for residents of the United States. The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Aspida to any registration requirement within such jurisdiction or country. Unless otherwise specified, the services and products described on this Website are made available only to persons residing in the United States, and the information on this Website is only for such persons. Aspida does not claim that the products or services described on this Website are available in any particular jurisdiction or appropriate for any particular investor. If you choose to access this Website from a location other than the United States, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.

Intellectual Property Protection

Our Website, including the information contained in our Website, is protected by U.S. and International copyright and trademark laws. We, and/or third-party information providers, own the content on this Website, and you do not acquire any ownership rights by accessing, downloading or printing any such content.

If you are a personal user, you may access, download and print information on this site for your personal, non-commercial home use only. If you are a company user, you may access, download and print information on this Website for your company's internal use only and not for purposes of publishing our content to persons outside of your company. If you are permitted by this policy to print and download content, you must retain all copyright and other proprietary notices on all copies of the downloaded or printed content, you may not modify the content, nor may you reproduce, publicly display, distribute or otherwise use the content for any public or commercial purpose. The use of any content from this Website on any other website or networked computer environment (including for purposes of establishing a link to this site) is prohibited.

We do not grant you any express or implied right under any patents, trademarks, copyrights or trade secret information, other than the limited right to access, download and print content as described in the preceding paragraph. In particular, without prior written authorization from us, you are prohibited from using or copying the trademarks, service marks, names, logos, pictures or images or any derivation thereof of Aspida or of any person who may be depicted on our site.

Links

Our Website may contain hyperlinks to other sites that are maintained or supported by third parties over which we have no control. We are not responsible for the content, accuracy, completeness, timeliness, suitability, reliability or privacy practices of such other sites linked to this Website via hyperlink, whether such hyperlink is provided by Aspida or by a third party. We encourage you to be aware of when you leave our site using a hyperlink provided on our Website and that you read the privacy statements and terms of use of each website you visit. These Terms of Web Usage and Privacy Policy apply solely to our Website, and use of any website hyperlinked to or from this Website shall be at your own risk.

No Offer or Advice

This Website is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security, investment management service, or advisory service that may be referenced on or through this Website. We do not provide investment advice, tax advice, or legal advice through this Website, and you agree that this Website will not be used by you for such purposes. Aspida does not represent that the securities, products, or services discussed on, or accessible through, this Website are suitable for any particular investor. You acknowledge that your requests for information are unsolicited, and the provision of any information through this Website shall not constitute or be considered investment advice, or an offer to sell, or a solicitation of an offer to buy any security.

Licensure Information

(1) Representatives of a broker-dealer ("BD") or investment adviser ("IA") may only conduct business in a state if the representatives and the BD or IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, the state; or (b) are excluded or exempted from the state's licensure requirements.

(2) Representatives of a BD or an IA are deemed to conduct business in a state to the extent that they provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation.

(3) An investor may obtain information concerning a BD, an IA, or a representative of a BD or an IA, including their licensure status and disciplinary history, by contacting the investor's state securities law administrator.

Disclaimer of Warranty and Limitation of Liability

OUR WEBSITE, AND ITS CONTENT, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

OUR WEBSITE, AND THE INFORMATION PROVIDED HEREIN, MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF THIS WEBSITE, OR THE INFORMATION PROVIDED HEREIN, OR THE RELIABILITY OF ANY STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THIS WEBSITE. BY USING OUR WEBSITE, YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH STATEMENT OR OTHER INFORMATION WILL BE AT YOUR SOLE RISK. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

IN NO EVENT WILL WE, OR ANY OF OUR AFFILIATES OR ADVERTISERS OR SPONSORS BE LIABLE TO ANY PERSON FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF OUR WEBSITE OR ANY LINKED WEBSITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

PRIVACY POLICY

Aspida takes the confidentiality of your personal information and the privacy of your account very seriously. Our commitment to safeguard your personal information goes beyond our legal obligation to process your transactions accurately and securely. Whether we serve you online, in person, on the telephone or by mail, the principles that guide the way in which we conduct business are built upon the core values of trust and integrity. We have adopted this privacy policy to evidence to you our commitment to your privacy when you visit our Website. One of our more specific purposes is to inform you what information we collect, how we can or do use your information and how your information is protected. If you have any questions or concerns regarding this policy or our Website, please contact us at 443-857-7050, info@aspidaadvisory.com, or write to us at Aspida Advisory, 901 Dulaney Valley Rd, Suite 701, Baltimore, MD 21204.

What Information do We Collect?

When you provide information on applications, forms, via telephone, through this Website and other correspondence such as your name, email address, social security number and income, we collect it. We collect information about your transactions with us or others such as your purchases, sales, or account balances. We receive information from consumer reporting agencies and we collect that information. We collect information through the use of cookies (see below for a further explanation) and other technology used to track your usage of our Website. Some of the information we collect helps us to provide to you customized content and other items that we think you will find useful and will appreciate receiving from us or from our affiliates.

Except as noted herein, we do not have any personally identifiable information about you unless you choose to give us such information during an online session. If you do give us personally indentifiable information during your session, we will collect that information and use it to service your request and as otherwise described in this Privacy Policy.

If you are a registered user of our Web site who has enabled online access for your account(s), we collect all information that you submit through an online session, such as a transaction you've requested us to make should it be our practice to receive such on-line requests. In this manner, your general usage patterns and other information noted above would be linked to you specifically.

Internal Security of Your Non-public Personal Information

The security of your non-public personal information and that of our other customers and potential customers is very important to Aspida and we engage in processes to safeguard that information. For example, we maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your non-public personal information.

We use security procedures and policies commensurate with industry standards to safeguard against loss, theft, unauthorized access, destruction, use, modification and/or disclosure.

If you decide at some point either to close your account(s) or become and inactive customer, we will continue to adhere to this Privacy Policy and practices with respect to your non-public personal information.

Disclosure of Information to Others

We do not currently rent or sell your name, address, email address, credit card information or other non-public personal information to any third party, except as permitted by applicable law or regulation or as described in this Privacy Policy. If we do, disclose your non-public personal information to third parties we require those third parties to protect the confidentiality of your information, to keep such information secure in accordance with federal requirements, such as the Gramm Leach Bliley Act, where applicable, and to use it only to perform the services for which we hired them.

Service Providers / Marketing Partners

We may share your non-public personal information with others in order to process your transactions, service your accounts, and administer and enforce our accounts. We may also provide this information to companies that perform services on our behalf, such as printing and mailing, or other financial institutions with whom we have joint marketing agreements. We will provide information to these third party service providers to enable them to perform contracted-for services. We require these third parties to keep your personally identifiable information secure in accordance with federal and other applicable requirements. They are not permitted to use your information for their own, or any other purposes.

Audits / Judicial Proceedings

Sometimes we are required to comply with the law by disclosing your personal information, or when we have a reasonable belief that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order or legal process.

Use of "Cookies"

"Cookies" are small strings of text that are transmitted to your computer when you access our, or another's, website. They are then stored on your computer for future access by the cookie provider. Cookies are part of the flow of information between your computer and our, or other's, web servers, and are widely used on the world wide web for, among other things, customizing your interaction with this, and other, websites.

We may use cookies or other tracking methods to recognize you and your access privileges on our Website, to facilitate the interaction between you and our Website, and to track your Website usage. We may also embed the services of third parties to enhance the functionality of our Website, and those third parties may use cookies or other tracking methods in order to provide these services, track Website usage, or for other reasons. You do have the option of refusing to accept cookies from this or any other website by, for example, changing your browser preferences or using commercially-available software. But, please be mindful that if you refuse the cookies from websites, you may find that some services do not function properly or may be considerably slower. Nevertheless, doing so is solely your decision.

Notification of Changes

We may change this Terms of Use and Non-Disclosure Agreement at any time, and from time to time we likely will, as new laws are passed and new technology becomes available. We will post those changes to our policy so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. We will use, share, and disclose all information in accordance with the Privacy Policy in effect at the time the information was collected.

Children

We do not knowingly allow anyone under the age of 18 to participate in any services offered on our Website which require the submission of user information. If we learn that a user is under 18 and has submitted user information to us, we will delete that information as promptly as possible. If you learn of such information being collected by us, please contact our Chief Privacy Officer at the address provided in the introduction of this Terms of Use and Non-Disclosure Agreement.

Opt-Out

We may send you electronic communications because you have visited our Website and left contact information. We hope these electronic communications will be useful. If we send you any electronic communication, that communication will provide to you the ability to tell us that you desire to opt-out of receiving future communications from us. It may take up to fifteen (15) days for your opt-out notice to become effective, during which time you may continue to receive communications from us. If you do not wish to receive any communications (other than communications that may be required by law) you can notify us at the address provided in the introduction of this policy.

Applicable Law

Regardless of where you live or your business is located, by entering and using our Website you agree that the laws of the state of Maryland, and the United States, where applicable, shall govern any disputes or interpretations that may arise regarding content, your use of our Website, and any communications that may occur between you and us, or any third party due to your use of our Website without regard to any principles of conflicts of law.

Arbitration of Law

Any dispute arising out of or relating in any way to your use of this Website shall and must be resolved by binding arbitration. The arbitration shall be conducted by a single arbitrator in the city of Baltimore, Maryland, U.S.A., by an arbitrator chosen by Creative Dispute Resolutions, L.L.C., of Bethesda, Maryland. Judgment upon the award rendered by the arbitrator may be entered by any state or federal court having jurisdiction thereof. No claims of any other parties may be joined or otherwise combined in the arbitration proceeding. Unless otherwise expressly required by applicable law, each party shall bear its own attorneys fees without regard to which party is deemed the prevailing party in the arbitration proceeding. Subject to these Terms of Use and Non-Disclosure Agreement, the arbitrator shall be authorized to award either party any remedy permitted by applicable law.

Alternatively, at Aspida's sole discretion, a claim may be adjudicated in the state or federal courts located in Baltimore, Maryland. By using this Website, you consent to exclusive jurisdiction of, and venue in, the state or federal courts located in Baltimore, Maryland.

EACH PARTY HEREBY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVES TRIAL BY JURY WITH RESPECT TO ANY ACTION, CLAIM, SUIT, OR PROCEEDING ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OF USE AND NON-DISCLOSURE AGREEMENT OR THE CONDUCT OF THE RELATIONSHIP BETWEEN OR AMONG THE PARTIES.

Severability

If any provisions of these Terms of Use and Non-Disclosure Agreement are deemed to be invalid or unenforceable for any reason, such offensive provisions shall be severed to the extent required to conform to applicable law, and the remaining portions of this agreement shall remain in full force and effect.

Adopted August 1, 2012; Updated September 30, 2014; March 20, 2017

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