TERMS OF SERVICE

Last updated: January 01, 2022

Please read these Terms of Service (“Terms”, “Terms of Service”) carefully before using the SpahrFinancial.com website (the “Service”) operated by Spahr Financial Group, LLC (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

TERMINATION

We may terminate or suspend your access to the Service immediately, without prior notice or liability,
under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

LINKS TO OTHER WEB SITES

Our Service may contain links to third party web sites or services that are not owned or controlled by Spahr Financial Group, LLC

Spahr Financial Group, LLC has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Spahr Financial Group, LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

GOVERNING LAW

These Terms shall be governed and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

CHANGES TO THIS TERM OF SERVICE

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

CONTACT US

If you have any questions about these Terms, please contact us.

PRIVACY

Our Commitment to Your Privacy

Protecting our clients’ privacy is of paramount importance to Spahr Financial Group, LLC Advisors (SFG). It is SFGs’ policy that no private client financial information obtained by us is sold or made available to third parties except that:

• Third parties may be used by Advisor to assist in the management or maintenance of client accounts (such as a client’s custodian);
• Client information may be released to client’s accountancy, legal and other third party representatives at client’s direction;
• Client information may be released in accordance with applicable laws and regulations.

We will not share nonpublic personal information about our clients with nonaffiliated third parties without prior client consent, except for specific purposes described below. This notice explains our collection, use and safeguarding of client information.

How Spahr Financial Group, LLC Advisors Gathers Information

In connection with providing clients with investment management services, we may obtain information about them from the following sources:

• Client agreements and other information that clients provide to us, whether in writing, in person, by telephone, electronically or by any other means. This information may include a client’s name, address, phone number, email address, social security number, employment information, income, investment experience, and credit references;
• Personal tax returns provided by the client;
• Transactions on a client’s behalf. This information may include the client’s account balances, positions, investment interests and history; and
• Public sources.

Sharing Information with Nonaffiliated Third Parties

We only disclose non-public client information to nonaffiliated third parties without prior client consent when we believe it necessary for the conduct of our business or as required or permitted by law, such as:

• If you request or authorize the disclosure of the information;
• To provide client account services or account maintenance;
• To respond to a subpoena or court order, judicial process, law enforcement or regulatory authorities;
• To perform services for the firm or on its behalf to develop or maintain proprietary trading or other software;
• In connection with a proposed or actual sale, merger, or transfer of all or a portion of our business or an operating unit;
• To help us prevent fraud;
• With rating agencies, persons assessing compliance with industry standards, or to the attorneys, accountants and auditors of the firm;
• To comply with federal, state or local laws, rules and other applicable legal requirements; and
• Pursuant to any other exceptions enumerated in the California Information Privacy Act.

We do not make any disclosure of client nonpublic personal information to other companies who may want to sell their products or services to you. For example, we do not sell client lists, and we will not sell client names to catalogue companies.

Opt Out Provision

If, at any time in the future, it is necessary to disclose any client personal information in a way that is inconsistent with this policy, Spahr Financial Group Advisors will give its clients advance notice of the proposed disclosure so that they will have the opportunity to either opt-in or opt-out of such disclosure, as required by applicable law.

Clients are advised that the Firm believes that sharing client private information under the circumstances noted above is either mandated by law or necessary for the Firm to conduct its business and to best service client accounts. Clients desiring to opt out of any third-party disclosures should contact the Firm immediately. Opting out may necessitate that we terminate our management agreement with you and arrange for you to transfer your account.

Former Clients

Our Privacy Policy continues to apply to all former clients.

To Whom This Policy Applies

This Privacy Policy applies to individuals who obtain or have obtained services from Spahr Financial Group Advisors used primarily for personal, family or household purposes.

Our Security Practices and Information Accuracy

We take steps to safeguard client information. We restrict access to the personal and account information of our clients to our employees and agents for business purposes only. We maintain physical, electronic and procedural safeguards to guard your personal information.

Additionally, we have internal controls to keep client information as accurate and complete as we can. If you believe that any information about you is not accurate, please let us know.

Other Information

We reserve the right to change this Statement of Privacy Policy. The examples contained within this Privacy Policy are illustrations, and they are not intended to be exclusive. If you have any questions about our Privacy Policy, please contact Brian Spahr, Chief Compliance Officer at 714-963-5000.

PRIVACY TERMS DISCLOSURE

Investment Advisory Services offered through Spahr Financial Group, LLC a California Registered Investment Adviser. All investment advisory services are provided by Spahr Financial Group, LLC (SFG). All insurance products or services are offered through Brian L. Spahr, who is licensed by the State of California – Department of Insurance, License#: 0C59068.

For complete information regarding Spahr Financial Group, LLCs management’s services and fees, please review our Form ADV Part 2A Disclosure Brochure, which can be found at www.adviserinfo.sec.gov or requested by calling us at (714) 963-5000.

IMPORTANT INFORMATION RELATING TO SPAHR FINANCIAL GROUP, LLC PUBLIC WEBSITES
The information on this site may inform you of certain investment products and services offered by Spahr Financial Group, LLC or any of its affiliates (together, “SFG”). No information published on the site constitutes a solicitation, offer or recommendation to enter into any transaction. The products, services, information and/or materials referenced within these web pages may not be available for all individuals or residents of certain jurisdictions.

GENERAL RISKS & CONSIDERATIONS
Any views, strategies or products discussed on this site may not be appropriate or suitable for all individuals and are subject to risks. Investors may get back less than they invested, and past performance is not a reliable indicator of future results. Asset allocation does not guarantee a profit or protect against loss. Nothing on this site should be relied upon in isolation for the purpose of making an investment decision. You are urged to consider carefully whether the services, products, asset classes (e.g. equities, fixed income, alternative investments, commodities, etc.) or strategies discussed are suitable to your needs. You must also consider the objectives, risks, charges, and expenses associated with an investment service, product or strategy prior to making an investment decision. Contact Spahr Financial Group, LLC for additional information concerning your personal investment goals. You should be aware of the general and specific risks relevant to the matters discussed on this site. You will independently, without any reliance on Spahr Financial Group, LLC, make your own judgment and decision with respect to any investment or strategy referenced on this site.

NON-RELIANCE
Information contained on this site is believed to be reliable; however, Spahr Financial Group, LLC does not represent or warrant its accuracy, reliability or completeness, or accept any liability for any loss or damage (whether direct or indirect) arising out of the use of all or any part of the materials on this site. No representation or warranty should be made with regard to any computations, graphs, tables, diagrams or commentary contained on this site, which are provided for illustration/reference purposes only. The views, opinions, estimates and strategies expressed on this site constitute our judgment based on current market conditions and are subject to change without notice. Spahr Financial Group, LLC assumes no duty to update any information on this site in the event that such information changes. Views, opinions, estimates and strategies expressed may differ from those expressed by other areas of Spahr Financial Group, LLC, views expressed for other purposes or in other contexts, and the content should not be regarded as a research report. Any projected results and risks are based solely on hypothetical examples cited, and actual results and risks will vary depending on specific circumstances. Forward-looking statements should not be considered as guarantees or predictions of future events.

Nothing on this site shall be construed as giving rise to any duty of care owed to, or advisory relationship with, you or any third party. Nothing on this site shall be regarded as an offer, solicitation, recommendation or advice (whether financial, accounting, legal, tax or other) given by Spahr Financial Group, LLC and/or its officers or employees, irrespective of whether or not such communication was given at your request. J.P. Morgan and its affiliates and employees do not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transactions.

Spahr Financial Group, LLC may hold a position for itself or our other clients which may not be consistent with the information, opinions, estimates, investment strategies or views expressed in this document.

A client should carefully read the agreements and disclosures received (including our Form ADV disclosure brochure, if and when applicable) in connection with our provision of services for important information about the capacity in which we will be acting. The information on this website provides information about the investment advisory services provided by Spahr Financial Group, LLC. The agreements entered into by and disclosures provided to clients with respect to the different products and services provided by Spahr Financial Group, LLC should be carefully read (including our Form ADV disclosure brochure, if and when applicable), which contain important information, including our provision of services for important information about the capacity in which we will be acting.