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.

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 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 A PCM 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.

Indemnity

You agree to indemnify and hold Spectra Investment Management and its agents, employees and licensors harmless from any claim or demand, including attorneys’ fees, made by any third party arising out of your use of any portion of the Site or your violation of these Terms.

Jurisdiction

This Site is intended for United States of America residences only. The information provided on the Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. All persons and entities accessing the Site agree to be responsible for compliance with applicable local laws and regulations of the country from which you access this Site. The Site is not directed to any person in any jurisdiction where the publication or availability of the Site is prohibited by reason of that person’s nationality, residence or otherwise. Persons under these restrictions must not access the Site.

Each of the investment products and services referred to on this Site is intended to be made available to US residents only. This Site shall not be considered a solicitation or offering for any investment product or service to any person in any jurisdiction where such solicitation or offer would be unlawful. Because of the global nature of the Internet, you agree to comply with all local rules regarding online conduct, including all laws, rules, codes, and regulations of the country in which you reside and the country from which you access this Site. In addition, you agree to comply with all applicable laws, rules, codes, and regulations regarding the transmission of technical data exported from the United States.

Linked Websites

Regarding links to other websites: The links and the information they include are provided as a courtesy and do not suggest a recommendation or endorsement by Spectra Investment Management. When accessing one of these links, one is assuming total responsibility and risk for their use of the websites. Spectra Investment Management makes no representation as to the completeness or accuracy of information provided at these websites, nor is Spectra Investment Management liable for any direct or indirect technical or system issues or any consequences arising out of one’s access to or their use of third-party technologies, websites, information and programs made available through this website. Spectra Investment Management has not reviewed or authorized any websites linking to this Site, nor do we take responsibility for any websites linking to this Site.

The Spectra Investment Management, LLC website and its content are all © Spectra Investment Management, LLC. All rights reserved. Images displayed on this web site are either the property of, or used with permission by, Spectra Investment Management, LLC. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.