Legal & Compliance
Privacy Notice
Pursuant to the Gramm-Leach-Bliley Act as implemented by Regulation S-P promulgated by the Securities and Exchange Commission, we are pleased to inform you of our firm's privacy policy. Our policy is as follows:
We collect non-public personal information about our clients from information we receive on financial planning questionnaires, investment management account applications, all custodial account forms, personal phone calls, faxes, e-mails and letters. We also collect non-public information about our clients from their securities transactions. We do not disclose any non-public personal information about our clients to anyone, unless requested to do so in writing by the client or except as required or permitted by law. We will furnish specific account information to a designated accountant, attorney, or fiduciary of a client if so requested in writing by the client.
If a client decides to terminate her or his engagement with us, we will adhere to the privacy policy and practices described herein.
TFC's employees have been counseled to keep client, non-public, personal information within the confines of TFC. Employees are prohibited from sharing any client non-public personal information with anyone outside TFC other than the client or, if so instructed by the client, his/her designated attorney, accountant, fiduciary, or other third parties. We maintain physical, electronic, and procedural safeguards to protect client, non-public, personal information.
Please do not hesitate to contact us if you have any questions about this policy.
Terms of use
General
These terms of use form a binding contract between TFC Financial Management ("TFC", "we", "us" or "our") and you, the user ("you" or "your"). Use of this website by you constitutes your acceptance of and agreement with the terms of use. We may modify these terms by posting the revised terms and effective date on these pages (or elsewhere on the website); your use of the website after the revised terms are posted constitutes your acceptance of the revised terms. Without prior notice, TFC may suspend or terminate your access to this website or your online account if you violate any of these terms of use, or for any reason.
Use
This website is intended only for personal, non-commercial use by our clients and prospective clients.
Intellectual Property
You acknowledge our ownership of our service marks used on, and copyrights contained in, the website; and you agree not to use any such marks, content, designs or other TFC intellectual property without our consent (except solely in conjunction with your proper personal, non-commercial use of the website).
Mutual Funds
Investments in any mutual funds are not insured or guaranteed by the FDIC.
Foreign Investors
This website is intended only for customers or prospective customers residing in the U.S.
No Recommendations or Professional Advice
This website is not intended to provide tax, legal, financial or investment advice, and nothing on this website should be construed as an offer to sell or a solicitation of an offer to buy. Consult your professional advisors for specific advice.
Timeliness of Content
All content included in our website is presented as of the date published. We believe the content to be accurate, but we do not provide any warranty or guarantee as to the accuracy of the content nor do we promise to correct inaccuracies (though please bring them to our attention).
Prohibited Use
All servers have limited capacity and are routinely accessed by multiple users. You may not use this website in any way or manner that could damage or overburden our systems.
Password Security
Certain areas of the TFC website may only be accessed by our clients with a login name and password. If you are a client with login access, you are solely responsible for any and all activities that occur through the use of your login and should take steps to safeguard the confidentiality of your login. If you believe your login information has been compromised, you should notify us immediately.
Disclaimer of Warranties
We make no express or implied warranties concerning this website, including, but not limited to, warranties of merchantability, fitness for a particular purpose or non-infringment. This website is made available to you "as is" and "as available." We do not warrant that any defects or inaccuracies will be corrected (though please bring them to our attention).
Limitation of Liability
TFC will not be liable to you or anyone else for (i) consequential, incidental, special or indirect damages that result from your use of this website or (ii) any damages whatsoever from causes beyond our direct control.
Indemnification
As a condition of your use of this website, you agree to indemnify and hold harmless TFC from any and all claims, losses, liability, costs and expenses (including, but not limited to attorneys' fees) arising from your use of this website or from your violation of these terms of use.
Third Party Sites and Services
TFC may include links to third party sites or information about third party products or services on our website. You should check the privacy policies and terms of use, including warranties and liability terms, of all sites you visit from our website. We do not endorse or take responsibility for (and you waive any claim against us for) the websites, services, information and content of third parties.
Governing Law
The laws of the Commonwealth of Massachusetts govern these terms of use. If you take legal action relating to these terms of use, you agree to file such action only in a court located in Massachusetts, without regard to conflicts of law, and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating such action. At TFC's election, all claims and legal proceedings are subject to mediation or arbitration in the Boston, Massachusetts area.
Severability
If any provision of these terms of use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed deleted from these terms and will not affect the validity and enforceability of the remaining terms of use. The preceding terms of use represent the entire agreement between TFC and you, the user, relating to the subject matter of these terms of use.