Effective: April 4, 2024
THIS AGREEMENT CONTAINS AN ARBITRATION AGREEMENT, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE YOU TO SUBMIT CLAIMS YOU HAVE AGAINST BEATRICE ADVISORS (AS DEFINED BELOW) TO BINDING AND FINAL ARBITRATION. UNDER THE ARBITRATION AGREEMENT, (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST BEATRICE ADVISORS ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.
Beatrice Advisors (as defined in Section 11 below and herein referred to as "Beatrice", “Beatrice Advisors” or “we”) provides and makes available this website. By using this website, you agree that you have carefully read and agree to be bound by the following terms and conditions of use ("Terms of Use"). Please read these Terms of Use carefully. If you do not agree to these Terms of Use, you are not authorized to, and may not, view, use or otherwise access this website for any purpose. You understand and agree that Beatrice Advisors may revise these Terms of Use or the Content (as defined below) of this website at any time without prior notice by updating this posting, and any viewing, use or accessing of the Web Site after such date shall constitute your agreement to be bound by any such revised Terms of Use. You may read a current, effective copy of these Terms of Use at any time by selecting the “Terms of Use” link on the website. The revised terms and conditions will become effective upon posting. If any change to these Terms of Use is not acceptable to you, your sole remedy is to cease visiting, using or otherwise accessing the website. Beatrice Advisors also reserves the right, in its sole discretion, to restrict, suspend, or terminate these Terms of Use and your access to all or any part of the website or the Content at any time and for any reason without prior notice or liability. Beatrice Advisors reserves the right to change, suspend, or discontinue all or any part of the website or the Content at any time without prior notice or liability.
Your access to and use of the website is also subject to Beatrice’s Privacy Policy located at [https://beatriceadvisors.com/privacy], the provisions of which are hereby incorporated herein by reference.
Nothing contained on this website is intended to be or should be construed as legal, tax or investment advice. This website is for informational purposes only and does not constitute a recommendation, an offer to sell, or a solicitation of an offer to buy any securities, futures, options or other financial instruments ("Securities"), nor shall any such Securities be offered or sold to any person in any jurisdiction whose laws would make such offer, solicitation, purchase, or sale unlawful.
Securities (including shares of mutual funds), alternative investments, and other investment products referenced on this website are not bank deposits and are not insured by the FDIC or any other agency of the United States, nor are they obligations of, or insured or guaranteed by, Beatrice or any of its subsidiaries or affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value. Your eligibility for particular investment options or services is subject to final Beatrice determination and acceptance.
The Unlawful Internet Gambling Enforcement Act of 2006 (the “Act”) prohibits commercial clients (as defined in the Act) from conducting account transactions made in connection with unlawful Internet gambling (termed "Restricted Transactions" in the Act). Accordingly, Beatrice Advisors prohibits the use of any Beatrice account to engage in or process Restricted Transactions.
BEATRICE ADVISORS, ITS AFFILIATES, THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS (COLLECTIVELY, THE “BEATRICE ADVISORS PARTIES“) MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE CONTENT, INCLUDING BUT NOT LIMITED TO ITS ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS OR RELIABILITY. THE BEATRICE ADVISORS PARTIES SHALL NOT BE SUBJECT TO LIABILITY FOR THE TRUTH, ACCURACY OR COMPLETENESS OF THE CONTENT OR ANY OTHER INFORMATION CONVEYED TO THE USER OR FOR ERRORS, MISTAKES OR OMISSIONS THEREIN OR FOR ANY DELAYS OR INTERRUPTIONS OF THE DATA OR INFORMATION STREAM FROM WHATEVER CAUSE. YOU AGREE THAT YOU USE THE WEBSITE AND THE CONTENT AT YOUR OWN RISK.
THE BEATRICE ADVISORS PARTIES DO NOT WARRANT THAT THE WEBSITE WILL OPERATE ERROR-FREE OR THAT THE WEBSITE, ITS SERVER, OR THE CONTENT ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. IF YOUR USE OF THE WEBSITE OR THE CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, NO BEATRICE ADVISORS PARTY SHALL BE RESPONSIBLE FOR THOSE COSTS.
THE WEB SITE AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE BEATRICE ADVISORS PARTIES DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE.
IN NO EVENT SHALL ANY BEATRICE ADVISORS PARTY BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEBSITE AND THE CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF SUCH BEATRICE ADVISORS PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
SOME STATES DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, IN SUCH STATES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU, AND THE LIABILITY OF THE BEATRICE ADVISORS PARTIES SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
IF YOU ARE A RESIDENT OF NEW JERSEY, THE FOREGOING PARAGRAPHS IN THIS SECTION 4 ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.
IF YOU ARE A RESIDENT OF CALIFORNIA, THESE TERMS ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF CALIFORNIA. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF CALIFORNIA, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.
You agree to defend, indemnify, and hold harmless Beatrice and the Beatrice Advisors Parties from and against any claims, actions or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from your breach of these Terms of Use or your access to, use or misuse of the Content or website. Beatrice shall provide notice to you of any such claim, suit, or proceeding. Beatrice reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this Section. In such case, you agree to cooperate with any reasonable requests assisting Beatrice’s defense of such matter.
Beatrice Advisors owns and operates this website. Permission is granted to view, display and navigate this website solely for lawful, personal, and non-commercial use. Any illegal, commercial, or public use of this website or any portion hereof is strictly prohibited. This website contains material, including but not limited to software, text, graphics and images (collectively referred to as the “Content”). We may own the Content or portions of the Content may be made available to us through arrangements that we have with third-parties. The Content is protected by United States and foreign intellectual property laws. Unauthorized use of the Content may result in violation of copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use, copy, transmit, distribute or display the Content except as permitted under these Terms of Use. You may download Content displayed on this website for lawful, non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. No other use is permitted without Beatrice’s prior written consent, and except as stipulated in the foregoing sentence you may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of any of the Content on any other web site or in a networked computer environment for any purpose is expressly prohibited. If you violate any part of these Terms of Use, your right to access and/or use the Content and website shall automatically terminate and you shall immediately destroy any copies you have made of the Content.
You agree not to: (a) take any action that imposes an unreasonable load on the website’s infrastructure, (b) use any device, software or routine to interfere or attempt to interfere with the proper working of the website or any activity being conducted on the website, (c ) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or making up the website, (d) delete or alter any material posted on the website by Beatrice or any other person or entity, or (e) frame or link to any of the materials or information available on the website.
All trademarks, service marks, trade names, and logos displayed or otherwise on this website, whether registered or unregistered, are proprietary to Beatrice Advisors, except as explicitly noted below under Ownership of Other Materials. Nothing contained on the website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this website without the written permission of Beatrice or such third party that may own the trademarks displayed on this website for each specific use. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited. The trademarks may not be used to disparage Beatrice or the applicable third-party, Beatrice’s or third-party’s products or services, or in any manner (using commercially reasonable judgment) that may damage any goodwill in the trademarks. All goodwill generated from the use of any such trademark shall inure to Beatrice or the applicable third party’s benefit.
Images displayed on this website are either the property of, or used with permission by Beatrice. The use of these images is prohibited unless specifically permitted herein, and any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. If you download any information or software from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
Certain elements of the website are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to, the use of framing or mirrors, except as otherwise expressly permitted by these Terms of Use. None of the Content for this website may be retransmitted without the express written consent from Beatrice in each and every instance.
Information submitted to this website should not be considered secure or confidential, and Beatrice Advisors makes no representation whatsoever concerning the security or confidentiality of such information and specifically makes no representation that any information submitted through this website will be received by Beatrice. If you are a Beatrice Advisors client, please send any electronic communications directly to your Client Advisor.
The website contains links to third-party web sites. These links are provided solely as a convenience to you and not as an endorsement by us of the content on such websites. The content of such website is developed and provided by others. Should you leave this website via a link contained herein and view content that is not provided by Beatrice Advisors, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Beatrice Advisors. Beatrice is not responsible for damages or losses caused by any such website, whether actual, alleged, consequential or punitive. Beatrice makes no guarantees or representations as to, and shall have no liability for, any information delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.
Beatrice and Beatrice Advisors are the marketing names for Beatrice Advisors LP, and its subsidiaries worldwide. Beatrice Advisors is not a member of the FDIC and does not issue FDIC-insured deposits.
(a) Agreement to Arbitrate: This Section 12 is referred to as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Beatrice, whether arising out of or relating to this website or these Terms of Use, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. You agree that, by agreeing to this Agreement, you and Beatrice are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. Notwithstanding the foregoing, this Arbitration Agreement shall not preclude either party from pursuing a court action for the sole purpose of obtaining a temporary restraining order or preliminary injunction in circumstances in which such relief is appropriate; provided that any other relief shall be pursued through an arbitration proceeding pursuant to this Arbitration Agreement.
(b) Prohibition of Class and Representative Actions and Non-Individualized Relief: You and Beatrice agree that each may bring claims against the other only on an individual basis and not as plaintiff or class member in any purported class or representative action or proceeding. Unless you and Beatrice agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s).
(c) Pre-Arbitration Dispute Resolution: Beatrice Advisors is always interested in resolving disputes amicably and efficiently, and most website users’ concerns can be resolved quickly and to the user’s satisfaction by emailing Beatrice Advisors at contact@beatriceadvisors.com. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Beatrice should be sent to Beatrice Advisors, Attn: Legal Department, 52 Vanderbilt Ave Suit #1405, New York, NY, 10017, with a copy to contact@beatriceadvisors.com (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If Beatrice and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or Beatrice may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Beatrice or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Beatrice is entitled.
(d) Arbitration Procedures: Arbitration will be conducted by a neutral arbitrator in accordance with the Comprehensive Arbitration Rules and Procedures of JAMS, LLC, (collectively, the “JAMS Rules”), as modified by this Arbitration Agreement. If there is any inconsistency between any term of the JAMS Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. The arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under this Agreement and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. Unless Beatrice and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination shall be made by JAMS. The right to a hearing will be determined by the JAMS Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.
(e) Costs of Arbitration: Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the JAMS Rules, unless otherwise provided in this Arbitration Agreement. Any payment of attorneys’ fees will be governed by the JAMS Rules.
(f) Confidentiality: All aspects of the arbitration proceeding, including its existence, content and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.
(g) Severability: If a court or the arbitrator decides that any term or provision of this Arbitration Agreement is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified.
The Content is provided with “RESTRICTED RIGHTS.” Use, duplication, or disclosure by the Government is subject to the restrictions contained in 48 CFR 52.227-19 and 48 CFR 252.227-7013 et seq. or its successor. Use of the website or Content by the Government constitutes acknowledgement of our proprietary rights in the website and Content.
This website is controlled and operated by Beatrice Advisrs from its offices within the United States. Beatrice makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this website from other locations are responsible for compliance with applicable local laws. You may not use or export the materials on this website in violation of U.S. export laws and regulations. By downloading any Content, you are expressly agreeing that you are not in a country where such export is prohibited or are a person or entity for which such export is prohibited. You are solely responsible for compliance with the laws of your specific jurisdiction regarding the import, export, or re-export of such Content.
The information provided on this website 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 or which would subject Beatrice or its affiliates to any registration requirement within such jurisdiction or country.
The internal substantive laws of the State of New York govern these Terms of Use and your agreement to them, without respect to its conflict of laws provisions. To the extent claims may be resolved outside of arbitration hereunder, you expressly agree to submit to the exclusive personal jurisdiction of the state and federal courts sitting in New York, New York. If any provision of these Terms of Use is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, which shall remain in full force and effect. Failure of Beatrice to act on or enforce any provision of these Terms of Use shall not be construed as a waiver of that provision or any other provision herein. No waiver shall be effective against Beatrice unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by Beatrice and you, these Terms of Use constitutes the entire agreement between you and Beatrice with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. These Terms of Use will inure to the benefit of our successors, assigns, licensees, and sublicensees. Any information submitted or provided by you to the website might be publicly accessible. Important and private information should be protected by you. Beatrice is not liable for protection of privacy of electronic mail or other information transferred through the Internet or any other network that you may use.
