These terms govern your relationship with Fiscus Financial and outline the rights, responsibilities, and expectations for all parties involved in our financial services.
By accessing or using the services provided by Fiscus Financial LLC ("Fiscus," "we," "our," or "us"), you ("Client," "you," or "your") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Fiscus Financial.
Important Notice
If you do not agree to these Terms, you may not access or use our services. By continuing to use our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Fiscus Financial provides comprehensive financial advisory services, including but not limited to:
Our services are available to qualified clients who meet our minimum investment requirements and suitability standards. We reserve the right to decline service to any prospective client at our sole discretion.
As a client of Fiscus Financial, you agree to the following obligations:
Provide complete, accurate, and current information about your financial situation, investment objectives, and risk tolerance. Notify us promptly of any material changes.
Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access or suspicious activity.
Comply with all applicable laws and regulations, including tax reporting requirements and anti-money laundering provisions.
Respond promptly to our requests for information and maintain current contact information with us.
You may not use our services for any illegal or unauthorized purpose, including:
Our fees are detailed in your Investment Advisory Agreement and may include:
Annual fees based on assets under management, typically ranging from 0.50% to 1.50%
Additional fees based on investment performance, subject to high-water mark provisions
Fixed or hourly fees for comprehensive financial planning services
Third-party costs including brokerage commissions, custodial fees, and fund expenses
We provide detailed fee disclosures in our Form ADV Part 2A brochure and your Investment Advisory Agreement. All fees are clearly outlined before you engage our services.
Important Risk Disclosure
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. You should carefully consider your investment objectives, risk tolerance, and financial situation before investing.
Risk of losses due to overall market movements and economic conditions
Risk that bond issuers or counterparties may default on their obligations
Risk that investments cannot be sold quickly at fair market value
Risk that changes in interest rates will affect bond and stock prices
Risk from fluctuations in foreign exchange rates for international investments
Risk from having too much exposure to a single investment or sector
We employ various risk management strategies to help protect your investments:
We are committed to maintaining the confidentiality of your personal and financial information in accordance with applicable privacy laws and professional standards.
We implement robust security measures to protect your confidential information from unauthorized access or disclosure.
Only authorized personnel with a legitimate business need have access to your information.
All service providers are bound by confidentiality agreements and security requirements.
We comply with all applicable privacy regulations including SEC and state requirements.
We may disclose your information only in limited circumstances:
All content, materials, and intellectual property provided by Fiscus Financial, including but not limited to:
These materials are protected by copyright, trademark, and other intellectual property laws and remain the exclusive property of Fiscus Financial.
You are granted a limited, non-exclusive, non-transferable license to use our materials solely for your personal investment purposes. You may not:
Our services may include content from third-party sources. Such content is provided for informational purposes only and remains the property of its respective owners. We do not endorse or guarantee the accuracy of third-party content.
Important Legal Notice
This section contains important limitations on our liability. Please read carefully and consult with legal counsel if you have questions.
Fiscus Financial agrees to provide services with the care, skill, prudence, and diligence that a prudent investment advisor would exercise under similar circumstances. However, we cannot guarantee investment results or protect against all losses.
We are not liable for investment losses resulting from market conditions, economic events, or other factors beyond our reasonable control.
We shall not be liable for indirect, incidental, special, or consequential damages, including lost profits or opportunity costs.
We are not responsible for the actions or failures of third-party service providers, custodians, or other parties beyond our control.
We are not liable for losses resulting from technology failures, system outages, or communication disruptions.
In no event shall our total liability to you exceed the amount of fees paid to us in the twelve (12) months preceding the event giving rise to the claim.
You may terminate our services at any time by providing written notice. Termination will be effective upon receipt of notice or as specified in your Investment Advisory Agreement.
No Penalties: There are no termination penalties or fees for ending our advisory relationship.
We may terminate our services with 30 days' written notice or immediately in cases of:
We will assist in transferring your assets to your designated custodian or new advisor.
Management fees will be prorated to the termination date, with refunds issued as appropriate.
We will maintain your records as required by law and provide copies upon request.
Confidentiality and other surviving provisions will remain in effect after termination.
These Terms and your relationship with Fiscus Financial are governed by the laws of the State of New York, without regard to conflict of law principles.
Any disputes arising from these Terms or our services shall be resolved through binding arbitration administered by FINRA Dispute Resolution or another mutually agreed arbitration service.
If arbitration is not applicable, any legal proceedings shall be conducted in the state or federal courts located in New York County, New York.
You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitrations.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
If you have questions about these Terms of Service or need legal assistance, please contact us:
Fiscus Financial LLC
Attn: Legal Department
123 Financial District
New York, NY 10004
These Terms of Service may be updated periodically. The current version is always available on our website, and we will notify you of material changes.