Terms and Conditions

Please read the following Terms and Conditions carefully:

Property of Vision Investment Advisors, LLC. The Web Site, www.advicewithvision.com, is owned and operated by Vision Investment Advisors, LLC (“Vision Advisors” or “us”). Your use of the Web Site is subject to the Terms and Conditions contained herein. We reserve the right, without prior notice, to make changes to the Terms and Conditions, to change the Web Site, to terminate access to the Web Site, or to take other actions we reasonably believe necessary to comply with the law or to protect our rights and your rights. We reserve the right to monitor any and all use of the Web Site. Any access or attempt to access or use the Web Site for any unauthorized or illegal purpose is strictly prohibited. Terms and Conditions can be accessed from a link on our home page. If you visit the Web Site after we post changes to the Terms and Conditions, you agree to accept the changes.

Intellectual Property. All information available through the Web Site is the property of Vision Advisors and is protected by copyright and intellectual property laws. Except as otherwise identified, the trademarks including names, logos, slogans and service marks appearing on our Web Site, whether registered or unregistered, are the property of Vision Advisors. You may not reproduce, retransmit, disseminate, sell, publish, broadcast, or circulate the information, including names, logos, slogans and services marks, contained in the Web Site without our express written consent. You are entitled to download and use the information for your private, non-commercial use only.

Content not Guaranteed. The Web Site is provided without charge as a convenience to our clients and other visitors to be used for purposes of information, education and communication. While the information on the Web Site has been prepared and compiled from sources believed to be reliable, we do not guarantee the accuracy, completeness, timeliness, or correct sequencing of any information on the Web Site. Nor do we independently verify or guarantee the accuracy, completeness, timeliness or correct sequencing of information provided by third parties.

Availability of Services. Some services described in our Web Site may not be available in your state or country. Nothing on the Web Site should be considered a solicitation of an offer to buy or an offer to sell any security, advisory or other service to any person in any jurisdiction in which such offer or solicitation, purchase or sale, or provision of such services would be unlawful under the securities or equivalent laws of such jurisdiction. References to services unavailable in your state or country do not imply that these services will be made available to you.

Not Personalized Advice. Nothing on the Web Site is intended to be personalized advice. Information provided on the Web Site is for informational purposes only. We do not intend for any information to be legal or tax advice. For such advice, please consult your legal and/or tax advisor. We shall no have liability for any decision made or action taken by a visitor in reliance upon information available through the Web Site.

Hyperlinks. No person may establish hyperlinks either to the Web Site or away from the Web Site without our prior express written consent, which We may give or withhold in our sole discretion. Contact us at Vision Investment Advisors, LLC, 120 Long Ridge Road, 3 North, Stamford, CT 06902, to request this consent. All hyperlinks approved shall be to the home page of the Web Site. Framing at the Web Site is expressly prohibited. We reserve the right to remove a hyperlink to the Web Site or away from the Web Site at any time and for any reason. Please note that once you leave our Web Site, either by using a link or otherwise, we accept no responsibility for the content, products and/or services provided at these locations. We do not control, endorse, promote or have any affiliation with any other Web Site unless expressly stated on our Web Site.

Accurate and Truthful Representation. As a visitor on our Web Site, you will represent yourself accurately and truthfully at all times. You grant to us the right to independently verify any information that you post on our Web Site about yourself, although we do not routinely undertake any verification.

Information Collected. Vision Advisors automatically collects and/or tracks (1) the home server domain names, e-mail addresses, type of client computer, and type of Web browser of visitors to Vision Advisors’ Web Site, (2) the e-mail addresses of visitors that communicate with Vision Advisors via e-mail, and (3) user-specific information on what pages visitors access.

Electronic Mail Communications. We do not want you to, and you should not, send any confidential or proprietary information to us via the Web Site. You agree that any information or materials that you or anyone acting on your behalf provide to us via the Web Site will not be considered confidential or proprietary. For additional information, please consult our Privacy Policy, which is incorporated herein.

Google Analytics. This website uses “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

DISCLAIMERS OF LIABILITY. THE WEB SITE AND ALL INFORMATION OBTAINED THROUGH THE WEB SITE, INCLUDING BUT NOT LIMITED TO GRAPHICS, TEXT AND LINKS TO OTHER WEB SITES, IS PROVIDED “AS IS” AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, QUALITY, FITNESS FOR A PARTICULAR USE, OR NON-INFRINGEMENT. VISION DOES NOT REPRESENT OR WARRANT THAT YOU WILL BE ABLE TO ACCESS OR USE THE WEB SITE AT ANY PARTICULAR LOCATION OR FOR ANY CONTINUOUS PERIOD OF TIME. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THIS EXCLUSION MAY NOT APPLY TO YOU.

IN NO EVENT WILL VISION ADVISORS BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES ARISING OUT OF ANY USE OF THE WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTIONS, LOSS OF PROGRAMS OR DATA ON YOUR EQUIPMENT, OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF SUCH DAMAGES. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

YOU ASSUME THE RESPONSIBILITY TO TAKE ADEQUATE PRECAUTIONS AGAINST DAMAGE TO YOUR SYSTEMS OR OPERATIONS THAT COULD BE CAUSED BY DEFECTS OR DEFICIENCIES IN THE WEB SITE, ANY INFORMATION, SERVICE, SYSTEM, DATABASE OR MATERIAL PROVIDED BY VISION ADVISORS, OR PART THEREOF. YOU ALSO ACKNOWLEDGE THAT ELECTRONIC COMMUNICATIONS AND DATABASES ARE SUBJECT TO ERRORS, TAMPERING AND BREAK-INS, AND THAT WHILE VISION ADVISORS WILL IMPLEMENT REASONABLE SECURITY PRECAUTIONS TO ATTEMPT TO PREVENT SUCH OCCURRENCES, WE DO NOT GUARANTEE THAT SUCH EVENTS WILL NOT TAKE PLACE. YOUR INSTALLATION AND INPUTS, AS WELL AS THIRD PARTY SYSTEMS AND PROCEDURES, MAY INFLUENCE THE OUTPUT AND ERRORS IN ANY ELECTRONIC TRANSMISSION OR COMMUNICATION, AND CAN RESULT IN SUBSTANTIAL ERRORS IN OUTPUT, INCLUDING INCORRECT INFORMATION. IN ADDITION, ERRORS MAY BE INTRODUCED INTO INFORMATION IN THE COURSE OF ITS TRANSMISSION OVER ELECTRONIC NETWORKS.

YOU ALSO ARE SOLELY RESPONSIBLE FOR ENSURING THAT ANY POSTING MADE BY OR FOR YOU TO THE WEB SITE OR ANY INFORMATION, SERVICE, SYSTEM OR DATABASE ON THE WEB SITE DOES NOT CONTAIN ANY VIRUS OR OTHER COMPUTER SOFTWARE CODE OR ROUTINE DESIGNED TO DISABLE, ERASE, IMPAIR OR OTHERWISE DAMAGE THE WEB SITE OR ANY SYSTEM, SOFTWARE OR DATA OF VISION ADVISORS OR ANY VISITOR OF THE INFORMATION, SERVICES, DATABASES, MATERIALS OR SYSTEM ON THE WEB SITE. YOU HEREBY AGREE TO INDEMNIFY, DEFEND AND HOLD VISION ADVISORS AND ITS OFFICERS, EMPLOYEES, AGENTS, REPRESENTATIVES, AND LICENSORS HARMLESS FROM ANY LIABILITY, CLAIM, COST OR DAMAGE ARISING OUT OF ANY CLAIM OR SUIT BY ANY SUCH VISITOR CAUSED BY SUCH VIRUS OR CODE OR SUBROUTINE.

NEITHER VISION ADVISORS NOR ITS OFFICERS, EMPLOYEES, AGENTS OR REPRESENTATIVES SHALL HAVE ANY LIABILITY, CONTINGENT OR OTHERWISE, FOR THE ACCURACY, COMPLETENESS, TIMELINESS OR CORRECT SEQUENCING OF THE INFORMATION ON THE WEB SITE OR FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE UPON THE INFORMATION ON THE WEB SITE OR FOR INTERRUPTION, DELAY OR TERMINATION OF ANY DATA, INFORMATION, OR ANY OTHER ASPECT OF THE WEB SITE.

Severability of Terms and Conditions; Governing Law. If any part or parts of these Terms and Conditions are held to be invalid, the remaining parts will continue to be valid and enforceable. Nothing in these Terms and Conditions affects any statutory rights that you may have that cannot be waived or limited by contract. The use by you of our Web Site, the information, content, services or other materials on the Web Site, and any and all other matters between Vision Advisors and you related to these Terms and Conditions, shall be governed by applicable United States federal law and the laws of the State of New York, excluding its conflict-of-laws rules. Any suit or proceeding arising out of or relating to the Terms and Conditions must be commenced within one year from the date the right, claim, demand or cause of action being asserted first came into being, the state and federal courts located in New York, New York shall have exclusive jurisdiction for such suit or proceeding.

Anti-Money Laundering Policy

Vision recognizes that the USA Patriot Act, as amended from time to time (the “Act”), imposes important obligations on all financial firms for the detection, deterrence and reporting of money laundering activities. It has established the following policies to help the government fight the funding of terrorism and money laundering activities. Therefore, Federal law requires, Vision as a financial institutions to obtain, verify and record information that identifies each person who opens an account. This following are answers to some frequently asked questions about how Vision does this through its Customer Identification Program (CIP).

What types of information will I need to provide?

When you open an account, Vision is required to collect information such as the following from you:

• your name, address and date of birth,
• identification number: (a) US Citizen: taxpayer identification number (social security number or employee identification number), or (b) Non-US Citizen: taxpayer identification number,
• passport number and country of issuance, alien identification card number, or government- issued identification showing nationality, residence, and a photograph of you.

You may also need to show:

• a driver’s license or other identifying documents.

A corporation, partnership, trust or other legal entity may need to provide other information such as:

• its principal place of business, local office,
• employer identification number,
• certified articles of incorporation or other formation document,
• government issued business license,
• a partnership agreement or a trust agreement.

US Department of the Treasury, Securities and Exchange Commission, FINRA and NYSE regulations currently require you to provide additional information, such as:

• net worth,
• annual income,
• occupation, employment information,
• investment experience and objectives, and
• risk tolerance.

What happens if I don’t provide the information requested or my identity can’t be verified?

Vision may not be able to open an account or process transactions for you. If Vision has already opened an account for you, it may be closed.

Vision will comply with all trade and economic sanctions imposed by the US Office of Foreign Assets Control against targeted foreign countries and shall cooperate fully with government agencies, self-regulatory organizations and law enforcement officials. As provided by the Act, Vision may supply information about former, current or prospective customers to such bodies.