Terms of Service

Please read the following Terms of Service carefully before using this website or any of our affiliated websites. You should review these Terms of Service regularly as they may change at any time at our sole discretion. If these Terms of Service, or any changes to these Terms of Service, are unacceptable to you, your only recourse is to terminate your use of the website.

PRIVACY

Grove Point Financial ("Grove Point") believes in protecting the confidentiality and security of information we collect about individuals. Our information practices for this website are described below.

Scope

These Terms of Service only address the use and disclosure by Grove Point of information Grove Point collects from you. However, this website may contain links to other sites and we may engage third-party suppliers or service providers, each of which may adhere to their own privacy customs and policies. Grove Point does not control the content or privacy policies of such websites or the privacy policies of such third parties. Grove Point accepts no responsibility or liability for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Your Personal Information

When you come to the Grove Point website, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the website you are visiting. We aggregate this information to help us create a better experience for users of our website. For example: we may upgrade those parts of the website that are heavily visited or optimize the website to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit the Grove Point website you are anonymous, unless you chose to identify yourself to us.

You are not required to provide us with personal information to use our website, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include, but is not limited to, name, address, email address, and phone number. Certain parts of our website may require you to provide identifying information and use individual passwords in order to access personal information.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. Grove Point treats this information as confidential. Grove Point will use the information you provide solely to satisfy your requests for information regarding Grove Point. We do not sell, rent, or exchange any of the personal information collected on our website.

Cookies and Web Bugs

A cookie is a small piece of information that a website sends to your computer, which is stored in a file on your hard drive. The next time you visit our website, we may use the information stored in your cookie file to facilitate your use of our website. For example, we may use your cookie file to store a password so that you do not have to input it every time you move to a different section of a password-protected portion of our website. A cookie does not tell us your individual identity unless you have chosen to provide it to us. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

A web bug (or web beacon) is a tiny graphical image that is typically on a web page. Somewhat like a cookie, a web bug can tell us information such as what kind of browser is being used and what time of day this page was accessed. Some web bugs can include information such as your IP address. Some technologies will notify you of the presence of web bugs, but browsers typically do not notify you of them.

Encryption

Grove Point uses no encryption (data scrambling) on certain portions of our website, and up to 128-bit encryption on other portions. When you are on any website that asks you for confidential information (your Social Security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information. If you need to send confidential information and are concerned about the security of a website, then you should consider sending it by phone or by regular mail instead.

Minors

Grove Point makes no active effort to collect personal information from children under the age of 18. We believe that children who do wish to submit information to Grove Point should have permission from their parent or legal guardian.

Additional Rights

Applicable laws may give you additional rights that are not described in these Terms of Service.

RESPONSIBILITY AND LIABILITY

Limitations

THIS WEBSITE CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

UNDER NO CIRCUMSTANCES SHALL GROVE POINT BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

Third-Party Content

LINKS TO THIRD-PARTY WEBSITES ARE PROVIDED FOR YOUR CONVENIENCE AND INFORMATION ONLY. THE CONTENT IN ANY LINKED WEBSITES IS NOT UNDER OUR CONTROL, AND WE ARE NOT RESPONSIBLE FOR IT.

We reserve the right to terminate a link to a third-party website at any time. The fact that we provide a link to a third-party website does not mean that we endorse, authorize, or sponsor that website, nor that we are affiliated with the third-party website's owners or sponsors.

Proprietary Rights & Restrictions

Grove Point is the owner of all text contained on this website. You may print a copy of the information contained herein for your personal use; however, you may not reproduce or distribute the text or graphics contained on this website to others or substantially copy the information on your own server, or link to this website, without the prior written permission of Grove Point. You may request permission by contacting the Office of the General Counsel at 301.944.5900.

Other parties' trademarks, copyrights, and service marks that may be referred to are the property of their respective owners. Nothing on this website should be construed as granting, by implication, waiver, estoppel, or otherwise, any license or right to use any trademark without our written permission. Neither the copyrighted name of Grove Point nor our logo may be used in any way, including in advertising or publicity pertaining to distribution of materials on this website, without prior written permission. You are not authorized to use our logo as a hyperlink to this website unless you obtain our written permission in advance.

Not Investment Advice or Solicitation of Offers

Nothing on this website constitutes investment advice. Any investor relations materials and other website content are not offers to sell or solicitations of any offer to buy any security or any insurance product. No security offered by Grove Point or its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase, or sale would be unlawful under the securities law or other laws of such jurisdiction. No such security is offered or will be sold in any jurisdiction by an entity that is not properly licensed to do so in such jurisdiction.

Circular 230 Notice

Tax Advice Disclosure: To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained on this website or that of our affiliates, unless otherwise specifically stated, was not intended or written to be used and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed herein.