PRIVACY POLICY
& DISCLOSURES
PRIVACY POLICY
This notice is being provided to you in accordance with the Securities and Exchange Commission’s rule regarding the privacy of consumer financial information (“Regulation S-P”). Please take the time to read and understand the privacy policies and procedures that we have implemented to safeguard your nonpublic personal information. Nonpublic personal information means personally identifiable financial information and any list, description or other grouping of consumers that is derived using any personally identifiable financial information that is not publicly available. This is also information that we receive or develop during the course of our relationship. It includes (1) information you provide to us orally or on applications or other forms, (2) information we develop about you in the course of providing our services to you, such as the amount and type of your assets that we manage and transactions we place on your behalf, and (3) technical information we may develop and gather through your access to our website (e.g., identifying information communicated through “cookies” stored on your computer).
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law, or as necessary to provide services to you. In accordance with Section 248.13 of Regulation S-P, we may disclose all of the information we collect, as described above, to certain nonaffiliated third parties such as attorneys, accountants, auditors and persons or entities that are assessing our compliance with industry standards. We enter into contractual agreements with all nonaffiliated third parties that prohibit such third parties from disclosing or using the information other than to carry out the purposes for which we disclose the information.
We restrict access to nonpublic personal information about you within Spectra Investment Management to only those who need the information in order to help us provide investment advisory services to you have access. It is our policy that, where we are not comfortable a service provider is already bound by duties of confidentiality (e.g., attorneys and auditors), we will require contractual assurances that they will maintain the confidentiality of any of your information they obtain. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
If you have any questions about our practices with respect to your nonpublic personal information, you may contact us by email, telephone or regular mail.​​
DISCLOSURES
Spectra Investment Management, LLC (“Spectra Investment Management”) is an SEC registered investment adviser located in Stuart, Florida. Any references to the terms “registered investment adviser” or “registered,” do not imply that Spectra Investment Management or any persons associated with Spectra Investment Management have achieved a certain level of skill or training. Spectra Investment Management's website is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of Spectra Investment Management’s website on the Internet should not be construed by any consumer and/or prospective client as Spectra Investment Management’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, information on this website should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Spectra Investment Management. For information pertaining to the registration status of Spectra Investment Management, please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov. A copy of Spectra Investment Management’s current written disclosure statement discussing Spectra Investment Management’s business operations, services, and fees is available from Spectra Investment Management upon written request.
Spectra Investment Management does not make any representations as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Spectra Investment Management’s website or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Certain links to other websites are provided as a convenience and a link does not imply Spectra Investment Management sponsorship or approval of any of these sites. When you access one of these websites you are leaving Spectra Investment Management’s website.
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All investments have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment or strategy will be suitable or profitable for an investor’s portfolio. There are no assurances that a portfolio will match or exceed any particular benchmark. Asset allocation and diversification will not necessarily improve an investor’s returns and cannot eliminate the risk of investment losses.
Access to this web site is provided for informational purposes only and without any warranties, expressed or implied, regarding the accuracy, completeness, timeliness, or results obtained from any information posted on this web site or any third party web site linked to this web site.
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TERMS OF USE
Please read the following Terms and Conditions of Use carefully.
Terms and Conditions of Use
This website is owned and operated by Spectra Investment Management, LLC (“Spectra Investment Management”, “we”, “us”, or “our”). By using www.spectrainvestment.com (the “Site”) and the information and services available through this Site, you agree to follow and be bound by these conditions of use. Spectra Investment Management reserves the right to modify these conditions at any time, and any such modification will be effective immediately upon posting the modification. If you do not agree to these conditions, do not use this Site.
Site for Information Only
The data, information, and content on this Site are for information, education and noncommercial purposes only. Although Spectra Investment Management may provide data, information, and content relating to investment approaches and mutual funds, you should not construe any such information or other content available through this Site as investment, legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any data, information, or content on this Site before making any decisions based on such data, information, or content. In exchange for using such data, information, or content, you agree not to hold Spectra Investment Management or its third party content providers liable for any possible claim for damages arising from any decision you make based on information made available to you through this Site. By providing access to other web sites, neither Spectra Investment Management nor any of its affiliates is recommending or endorsing services provided by any web site’s sponsoring organization. Materials relating to any mutual funds should be read in conjunction with a fund prospectus that describes charges, expenses, and risks. Read it carefully before any investment. Past performance is no guarantee of future performance.
Risks of Investing
Investing entails risks, including possible loss of principal. There are special risk considerations associated with value strategy investing, international investing (including emerging markets) and small company investing. No assurances or guarantees are given regarding the performance of any investment. Returns, share price, and yield will fluctuate and redemption value may be more or less than original cost. Investments in mutual funds are not insured or guaranteed by the US government or any other party.
Regulatory Disclosure
Spectra Investment Management provides investment advisory services through Spectra Investment Management, which is a Registered Investment Advisor with the U. S. Securities and Exchange Commission. Nothing in this Site should be construed as personalized investment or financial planning advice. For additional information and a full description of our services, fees and regulatory disclosures please see our Form ADV Part 2 which is available by contacting our office at the numbers available in the contact information section of this site. Disclaimers and Limitations of Liability.
Furthermore, any subsequent, direct communication by Advisor with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.
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This site is provided on an "as is" and "as available basis. To the full extent permitted under applicable Law, Spectra Investment Management expressly disclaims all warranties of any kind, whether expressed or implied, including, but not limited to, the implied warranties of the merchantability, fitness for a particular purpose, and non-infringement. Neither Spectra Investment Management nor any of its agents makes any warranty of merchantability, warranty of fitness for a particular use, warranty of accuracy, adequacy or completeness of the information nor materials contained in this site or warranty of non-infringement.
Under no circumstances, including but not limited to, a negligent act, will Spectra Investment Management or its agents be liable for any damages of any kind including, without limitation, direct, indirect, special or consequential damages, losses or expenses that result from the use of, or the inability to use, any portion of the public site, even if an authorized representative has been advised of the possibility of such damages. The foregoing disclaimer is effective without regard to the form of any action, including but not limited to, contract, negligence, tort, strict liability or any other theory.
Any content or data downloaded or otherwise obtained through the use of this site is done at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such content.
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