Terms of Use

Terms of Use Agreement

Welcome to http://www.riverglenwealth.com (“Site“), a Veerkloh, LLC dba River Glen Wealth Counselors (“River Glen”) Web Site. These are the terms and conditions (“Agreement”) under which we offer you access to our Site.

BEFORE USING THIS SITE, YOU MUST READ AND AGREE TO BE BOUND BY THIS AGREEMENT. YOUR USE OF THIS SITE SIGNIFIES YOUR ACCEPTANCE OF THIS AGREEMENT. RIVER GLEN RESERVES THE RIGHT TO REVISE THIS AGREEMENT WITHOUT NOTICE. BY USING THIS SITE SUBSEQUENT TO THE REVISIONS, YOU AGREE TO BE BOUND BY SUCH CHANGES. IF YOU FIND ANY PROVISION OF THIS GREEMENT UNACCEPTABLE, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THIS SITE.

Terms and Conditions of Use

1. Ownership.

1.1 Copyrights. All information, content, forms, photographs, graphics, and software available on or through the Site (collectively “Content”) is owned or controlled by River Glen and other parties. The Content is protected by U.S. and foreign copyright common law rights and statutes. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of River Glen or such third party that may own the Content.

1.2. Trademarks. The trademarks, service marks, slogans, logos, trade dress and other identifiers (“Marks”) displayed on the Site are the property of River Glen and other parties. The Marks are protected by U.S. and foreign trademark, common law rights and statutes. Users of the Site are prohibited from using any Marks for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the written permission of River Glen or such third party that may own the Marks. Below is a partial list of Trademarks owned by River Glen. For a complete list please contact the Chief Compliance Officer at info@riverglenwealth.com.

RIVER GLEN WEALTH COUNSELORS

VEERKLOH

1.3. Unsolicited Submissions. Unless otherwise stated, River Glen does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of its services and products. Any such postings to this Site and electronic mail delivered to River Glen will be considered non-confidential and non-proprietary, and will remain, the exclusive property of River Glen. River Glen may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation. Personal information transmitted to us will be treated in accordance with the River Glen Privacy Policy.

1.4. License. Except as expressly provided in this section, nothing contained in this Site shall be construed as conferring any license or right, expressly, by implication, by estoppel or otherwise, under any of our intellectual property rights, or under any third party’s intellectual property rights, and no part of this Site may be reproduced, republished, copied, transmitted, or distributed in any form or by any means. This prohibition extends to the use of any such material on nay other Site or computer network environment. It also means that you may not use any “robot,” “spider,” or other automatic device, or a program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the material found on this Site, without the prior written authorization of River Glen.

You are hereby granted a nonexclusive, nontransferable, limited license to view, reproduce, print, and distribute materials from this Site, and/or download one copy of materials from this Site onto any single computer provided (a) such materials are used only for informational, non-commercial purposes, and (b) you do not remove or obscure the copyright and other proprietary notices.

2. Claims of Copyright Infringement.

2.1. Copyright Infringement Claims. River Glen respects the intellectual property of others. If you believe that any material on this Site infringes any copyright you own or control, or that any link on this Site directs you to another Site that contains material that infringes on any copyright you own or control, you may file a notification of such infringement with our designated agent to have the material removed or otherwise blocked from access.

2.2. River Glen Copyright Agent. For notices of claims and copyright infringement on its Site, you may contact River Glen as follows:
Mail:

This contact information is provided exclusively for notifying River Glen that copyrighted material may have been infringed. Unrelated inquiries will NOT receive a response through this process. Contact information for other matters is provided elsewhere on this Site.

2.3. Additional Information. River Glen’s Designated Agent can also be found at the Copyright Office: http://www.copyright.gov/onlinesp/list/v_agents.html

2.4 Notice Requirements. Pursuant to Title 17, United States Code, Section 512(c)(2), notification of claimed copyright infringement sent to River Glen’s Designated Agent must include the following information in order to be effective:

• A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest;
• A description of the copyrighted work that you claim has been infringed;
• Identification of the material that is claimed to be infringed and information reasonably sufficient to permit River Glen to locate the material;
• Your address, telephone number, and, if available, your email address;
• A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

3. Third Parties.

3.1 Third Party Links. The Site may contain links to Web sites controlled or offered by third parties (non-affiliates of River Glen). River Glen hereby disclaims liability for any other company’s Web site content, products, privacy policies, or security. In the event you choose to use the services available at a linked site, you agree to read and adhere to the policies and terms of use applicable to that site. In addition, any advice, opinions, or recommendations provided by the linked site providers are those of the providers and not of River Glen. Your participation in any linked site, including payment for and the delivery of goods or services, is based solely on the agreement, if any, between you the linked site provider.

RIVER GLEN DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN RIVER GLEN, (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. UNDER NO CIRCUMSTANCE WILL RIVER GLEN OR ITS DATA OR CONTENT PROVIDERS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER’S RELIANCE ON INFORMATION OBTAINED THROUGH THE A LINKED SITE, OR USER’S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.

3.2 Third Party Service Providers. We use third party service providers, vendors, and licensors to assist in providing services via our Site (each, a “Third Party Service Provider”). You hereby consent and authorize us to delegate the authorizations you provide to us to our Third Party Service Provider(s) as we deem necessary or desirable to provide services to you. Your use of certain services provided by Third Party Service Providers will require your agreement to certain additional terms and conditions provided by the applicable Third Party Service Providers. These additional terms and conditions will be made available to you when, and if, you access the third party services.

3.3. Financial Market Information. No Warranty. The Site makes available certain financial market data, quotes, news, research and opinions (including Research Reports, as defined below) or other financial information (collectively “Information”) that has been independently obtained by certain financial market information services, financial publishers, various securities markets including stock exchanges and their affiliates, investment bankers and other providers (collectively the “Information Providers”) or has been obtained by us. We do not guarantee or certify the accuracy, completeness, timeliness or correct sequencing of the Information made available through us, the Information Providers or any other third party transmitting the Information (the “Information Transmitters”). All such Information is provided “as-is” and “as-available.” We shall NOT be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information.

3.4. Research Reports. No Warranty. The Site makes available analyst research and opinions (“Research Reports”) that may be prepared by an Information Provider or by various third party investment bankers or other entities providing analysis, research and opinions (“Third Party Research Providers”). We do not endorse or approve Research Reports prepared by Third Party Research Providers and only make such Research Reports available to you as a service and convenience. We do not (1) guarantee the accuracy, timeliness, completeness or correct sequencing of the Research Reports, or (2) warrant any results from your use of the Research Reports. All such Research Reports are provided on an “as-is” and “as-available” basis. We are not obligated to update any information or opinions contained in any Research Report or to continue to offer Information or Research Reports regarding any company or security. You acknowledge that recommendations in the Research Reports to buy, sell, hold, or otherwise consider particular securities are not, and should not be construed as, recommendations or advice to you designed to meet your particular objectives or financial situation. From time to time, we may be unable to provide Research Reports with respect to certain companies with which we and/or our Research Providers, or their respective affiliates have certain business relationships.

3.5. Alerts. No Warranty. We and/or our Information Provider may, from time to time, send email notices about investment markets or particular securities that we believe will be of interest to you (“Alerts”). Alerts are subject to certain limitations and requirements that are described here and that may be described at the time you subscribe, or we subscribe for you, to a particular Alert. Your subscription or use of any Alert will serve as an acknowledgement that you have read and understood the applicable limitations and conditions. The information in Alerts may be prepared and delivered by Information Providers. The information may be delayed. Neither we nor any Information Provider guarantee the accuracy, completeness, or timeliness of information available through Alerts. Reliability of your receipt of Alerts and their timeliness will also depend on factors outside of our control, including Internet, E-mail, and pager service availability and transmission capabilities. Alerts are not investment recommendations or advice. Any investment decision you make on the basis of Alerts is your sole responsibility. Alerts are sent through unencrypted e-mail, and neither we nor any Information Provider is liable for any unauthorized use or interception. If you subscribe to Alerts, you acknowledge that you have read and understood this notification.

4. General Disclaimer. No Investment Advice Provided. This Site is for informational purposes only. Nothing in the Site constitutes investment advice. No recommendations are being made by River Glen regarding your decisions to buy, sell, or hold any security or any other investment, or that you pursue any investment style or strategy. Nothing on the Site or provided in the Services constitutes, and you should not consider anything on the Site or provided via the Services to be, investment, accounting, tax or legal advice. THE PAST PERFORMANCE OF ANY INVESTMENT, INVESTMENT STRATEGY OR INVESTMENT STYLE DESCRIBED ON THE SITE OR IN THE SERVICES IS NOT INDICATIVE OF FUTURE PERFORMANCE.

5. No Representation or Warranty.
THE SERVICE IS PROVIDED BY RIVER GLEN ON AN “AS IS” BASIS. NEITHER RIVER GLEN NOR ITS PARTNERS, PROVIDERS, OR AFFILIATES MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICE, ITS CONTENTS, OR ANY INFORMATION MADE AVAILABLE BY OR THROUGH THE SERVICE. RIVER GLEN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. FURTHERMORE, RIVER GLEN DOES NOT WARRANT THAT USE OF THE SERVICE WILL BE UNINTERRUPTED, AVAILABLE AT ANY TIME OR FROM ANY LOCATION, SECURE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

6. Limitation of Liability. IN NO EVENT WILL RIVER GLEN, ITS SUPPLIERS, ITS SERVICE PROVIDERS, OR OTHER THIRD PARTIES AFFILIATED WITH RIVER GLEN BE LIABLE FOR ANY DAMAGES WHATSOEVER INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL PUNITIVE AND CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE SERVICE, ANY WEB SITES LINKED TO THE SERVICE, THE MATERIALS OR INFORMATION CONTAINED AT ANY OR ALL SUCH SITES, OR THE CONTENT ANYWHERE ON THE INTERNET, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7. Indemnification. YOU AGREE TO INDEMNIFY AND HOLD RIVER GLEN, AND ITS SUBSIDIARIES, AFFILIATES, TELECOMMUNICATIONS PROVIDERS, SERVICE PROVIDERS, OFFICERS, EMPLOYEES AND AGENTS HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING ATTORNEYS’ FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF (A) YOUR VIOLATION OF THIS AGREEMENT, (B) YOUR VIOLATION OF ANY THIRD PARTY RIGHTS; OR (C) ANY BREACH OR ALLEGED BREACH OF ANY REPRESENTATION BY YOU UNDER THIS AGREEMENT.

8. Prohibited Uses. You shall not post or transmit on or through this Site any material that:

• Is unlawful, threatening, abusive, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or profane;
• Could constitute or encourage criminal conduct, give rise to civil liability or otherwise violate any law;
• Infringes the copyright or other intellectual property rights of any third party;
• Advertises or offers to sell any goods or services;
• Interferes with the proper working of this Site;
• implies affiliation with, or an endorsement, sponsorship or approval by River Glen without express written permission;
• Would impose an abnormal burden or load on the Site’s infrastructure; and/or

contains a bug, virus, or other potentially harmful and/or destructive item.

8.1 Linking, Caching, Framing Prohibited. River Glen prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. River Glen reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site.

9. Your Account Information and Password Is Your Responsibility. You are responsible for maintaining the confidentiality of your account information and your password. You agree to accept responsibility for all activities that occur under your account or password. You understand that you, solely, are financially responsible for all uses of this Site by you and those using your login information. If you learn or suspect that your password has been compromised, you must immediately a) change your password under your account at the http://www.riverglenwealth.com/ site or b) contact our Chief Compliance Officer at info@riverglenwealth.com to request that your password to be reset. In the Subject Line of the email please indicate “Password needs to be reset”.

9.1 Your Account Information and Password With Third Party Web Sites Is Your Responsibility. We may link to third party web sites which may have a login/password option. Please be aware that River Glen is not responsible for the privacy and use practices of those sites, even though River Glen name or logo may appear on those sites. We encourage you to be aware when you leave our Site and to read the privacy and use policies of each and every Web site that you visit, as the policies of those sites may differ from ours. If you learn or suspect that your password with a third party site has been compromised, you should

10. Arbitration. If a dispute arises out of or relates to this Agreement, or the breach thereof, and if the dispute cannot be settled through negotiation, the parties agree first to try in good faith to settle the dispute by mediation administered by the American Arbitration Association under its Commercial Mediation Procedures before resorting to arbitration, litigation, or some other dispute resolution procedure. If they do not reach such solution within a period of 60 days, then, upon notice by either party to the other, all disputes, claims, questions, or differences shall be finally settled by arbitration in Des Moines, Iowa, administered by the American Arbitration Association in accordance with the provisions of its Commercial Arbitration Rules. The arbitrator may, in the Award, allocate all or part of the costs of the arbitration, including the fees of the arbitrator and the reasonable attorneys’ fees of the prevailing party.

11 Arbitration Facts. You should know the following with respect to arbitration agreements:

(a) Arbitration is final and binding on the parties.

(b) The parties are waiving their right to seek remedies in court, including the right to a jury trial.

(c) Pre-arbitration discovery is generally more limited than and different from court proceedings.

(d) The arbitrators’ award is not required to include factual findings or legal reasoning and any party’s right to appeal or to seek modification of rulings by the arbitrators is strictly limited.

(e) The panel of arbitrators will typically include a minority of arbitrators who were or are affiliated with the securities industry.

12. Termination. River Glen reserves the right to restrict access to the Site to any user, and may at any time in its sole discretion with or without notice and with or without cause immediately deny access to the Site.

13. Miscellaneous.

13.1. Governing Law. Use of this Site shall be governed by and construed in accordance with the laws of the State of Iowa.

13.2. Jurisdiction and Venue. Any dispute concerning this Site shall be subject to the exclusive venue of a court of competent jurisdiction in Polk County, Iowa. You consent to the jurisdiction of such courts and agree to accept service of process issued by such courts.

13.3. Severability. If any provision of these Site Terms and Condition is determined by a court of competent jurisdiction to be unlawful, void or unenforceable, the remaining provisions shall remain valid and in effect to the fullest extent possible.

13.4. Changes to this Site. River Glen may discontinue or modify this Site at any time without prior notice to you, and you accept those modifications if you continue to use the Site.

13.5. Waivers. Any waiver of any provision of these Site Terms will be effective only if in writing and signed by an authorized representative River Glen. Any delay or omission by River Glen to exercise any rights under these Site Terms shall not be construed to waive any rights.

13.6. Survival. Certain provisions of this agreement by their nature shall continue in full force and effect after termination, including the Disclaimer of Warranties and Limitation of Liability, and Jurisdiction/Enforceability.

Last Modified Date: 11/3/2011.