Risk Disclaimer Statement
GENERAL
Trading foreign exchange or capital markets on margin carries a high level of risk, and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to invest in foreign exchange or derivatives you should carefully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with foreign exchange and derivative trading, and seek advice from an independent financial advisor if you have any doubts.
All products and services in the pages of the Site are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time. The Disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site and in the Product Specific Legal disclaimers. In the event of any conflict, the terms provided in the pages of the Site and in the Product Specific Legal disclaimers will govern. The Product Specific Legal disclaimers relate specifically to a particular product or service and are displayed on each part of the Site that contains product information. The Product Specific Legal disclaimers contain important information and warnings regarding risks associated with the product or service. The Product Specific Legal disclaimers should be accessed by you before reading the information for each product displayed on the Site and it is important that you read all of the information. The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the terms provided in the pages of the Site and in the Product Specific Legal disclaimers at any time without notice by updating this posting. You agree to review the terms provided in the pages of the Site and in the Product Specific Legal disclaimers regularly and your continued access or use of the Site will mean that you agree to any changes. Information provided on the Site, including rates, is believed to be reliable when posted, but there is no guarantee that it is accurate or complete or current at all times.
LOCAL LAWS
It is important to note that the products, services and Information may not be available to residents of certain jurisdictions. Accordingly, the financial services detailed in the Site do not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial advisor.
The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.
NO WARRANTIES
Stox and More provide the Site and the Information on an "as is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currentness, reliability and fitness for a particular purpose. Further, the company does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.
The observations/comments published in the advisory series are our own opinion about the market and the individual stocks as may be specified from time to time, and though they are expressed in good faith, are not guaranteed. Be advised that the market service that never makes mistakes does not exist. Long term success in any market demands recognition of the fact that error and uncertainty are part of any effort to assess future probabilities.
NO LIABILITY
The Company is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if the Bank has been advised of the possibility of these damages.
TERMS OF USE
All information provided on the Stox and More (the "Company") Web site is provided for informational purposes as a service to our clients and visitors, and does not constitute a legal contract between the Company and any person or entity, unless otherwise specified. Information on the Stox and More website(s) is subject to change without prior notice. All materials contained within the Web site including, and not limited to, images, text, documents, logos and program code are protected under trademark and copyright laws and may not be copied, distributed or modified without the express written consent of a qualified Company representative.
Although every reasonable effort is made to present current and accurate information, the Company makes no warranty, express or implied, regarding the fitness or accuracy of information contained within this Web site. In no event shall the Company be held 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, goods, or services available on or through this site or its associated resources.
PRIVACY POLICY
Stox and More is committed to providing the highest level of security and privacy regarding the collection and use of our user's personal information, as well as that of all visitors to our Web site. Personal information may be collected through the submission of application or other form data. We recognize the importance of respecting the privacy of our users and we hope that the following privacy statement will help you understand how we collects, use and safeguard the personal information you provide to us on our Web site. It describes our policies and practices that protect your privacy, and enable us to share information so as to provide you with competitive financial products and services. If you have any questions after reading it, please contact us at the contact us button on the top of the navigation bar. What follows is a description of the information we collect and disclose, including the parties who receive non-public information from us.
INFORMATION WE COLLECT FROM YOU
We collect information about you from the following sources:
Information we receive from you on applications and other forms; Information obtained when verifying the information you provide on an application or other form (this may be obtained from, but is not restricted to, your current or past employers, or from institutions where you have conducted financial transactions);
Information about your transactions with us, or others, including those companies that work closely with us to provide you with diverse financial products and services; and Information we receive from credit report agencies.
DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US
We shall not disclose information we collect, except as provided by state and/or law, so that we may provide customers with competitive products and services. We disclose information to associated parties only in the course of providing agreed-upon services to you. We may also disclose non-public personal information about you under circumstances as permitted or required by state and/or law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the Company, follow your instructions as you authorize, or to protect the security of financial records. We do not share information with third-party marketing, advertising, or other agencies that are not directly related to the servicing of agreements we have with you.
DISCLOSURE OF INFORMATION ABOUT FORMER CUSTOMERS
If you decide to terminate your relationship with the Company, we will not share information we have collected about you, except as may be required by state and/or law.
HOW WE PROTECT FROM INFORMATION
We restrict access to non-public information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.
WHAT CUSTOMERS CAN DO TO HELP THEMSELVES
Stox and More is committed to protecting the privacy of its customers. You can help by following these simple guidelines:
Protect you’re account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card as it can provide access to your accounts if your card is lost or stolen. Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you, explains the call is on behalf of the Company, and asks for your account number, you should beware. Authorized Company staff will have access to your information and will not need to ask for it. Keep your information current. It is important that we have current information on how to reach you. If your address or phone number changes, please let us know so we may update our records. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
