The BGM Internet site and social media sites are provided for your general information and may not reflect changes to federal and state laws. Action should not be taken on the basis of articles posted on such sites. Action should only be taken on the advice of your professional advisor after discussing your specific situation.

Social Media Disclaimer: Opinions, statements, estimates and projections in this message or other media are solely those of the individual author(s). They do not necessarily reflect the opinions of Boeckermann Grafstrom & Mayer or any of its affiliates (“BGM”). BGM has no obligation to update, modify or amend this message or other media, or to otherwise notify a recipient thereof, in the event that any matter stated herein, or any opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate.

Any content, information and any materials provided in this message or other media is on an “as is” basis. BGM makes no warranty, expressed or implied, as to its accuracy, completeness or timeliness, or as to the results to be obtained by recipients, and shall not in any way be liable to any recipient for any inaccuracies, errors or omissions herein. Without limiting the foregoing, BGM shall have no liability whatsoever to a recipient of any message or media, whether in contract, in tort (including negligence), under a warranty, under statute or otherwise, in respect of any loss or damage suffered by such recipient as a result of or in connection with any actions, opinions, recommendations, forecasts, judgments, or any other conclusions, or any course of action determined, by it or any third party, whether or not based on the content, information or materials contained herein.

The inclusion of a link to an external website by BGM should not be understood to be an endorsement of that website or the site’s owners (or their products/services). BGM is not responsible for either the content, or output, of external websites.

Please call us if you have any questions. Your privacy and the ability to provide you with quality professional services are very important to us. Call 952-844-2500 or email our team through the form found on the contact us page.

BGM Wealth Partners, LLC – Terms of Use

The effective date of these Terms of Use is February 13, 2018. These Terms of Use (“Terms”) describe the terms and conditions for using the website with a home-page at http://www.bgmwealth.com (“Website”) including all related and subsidiary webpages and access to any optimized version of this Website via a wireless device.

If you are a BGM Wealth Partners client or prospective client (or a respective duly authorized representative), you may have been granted access by BGM Wealth Partners to certain non-public portions of the Website or service offerings otherwise made accessible to you (for example, by an electronic invitation providing a link to a log-in page) through a uniquely assigned log-in from BGM Wealth Partners (“Client Logins”). These terms do not amend or supersede any existing client agreements or other agreements that you may have with BGM Wealth Partners, but are in addition to such agreements and govern your use of our Website including Client Logins.

Unless otherwise specified in these Terms, on the Website or on a specific Client Login, these Terms apply to all materials, tools and services provided through our Website including use of Client Logins. These Terms constitute a legally binding agreement between you and BGM Wealth Partners, LLC (“BGM Wealth Partners”).

By using our Website including the Client Logins or any other services or tools available to you through them, you agree to be bound by these Terms. We may update these Terms at any time, and such updated versions will be posted on the Website. It is your responsibility to review these Terms from time to time. By continuing to use the Website or Client Logins or any services available to you through our Website, you consent to any updated version of these Terms posted on the Website. By visiting our site, third parties (such as AdRoll) may place cookies on your browser for targeted advertising purposes. This data may be used by third parties (such as AdRoll) to target advertising on other sites based on your online activity.

CONTENT

One purpose of this Website is to provide general information about BGM Wealth Partners and our services. From time to time, BGM Wealth Partners may also grant you access to additional content such as calculators and/or online presentations on educational investment topics provided by BGM Wealth Partners and as made available on this Website. Such information and content (“Content”) provided by BGM Wealth Partners is for general information only and does not constitute financial or investment advice. Use of this Website does not create any client relationship between you and BGM Wealth Partners or make you eligible for any services from BGM Wealth Partners.

Although our goal is to provide accurate information, certain information made available on this Website may not be accurate or up-to-date. We may change, add or remove some or all of the Content on this Website at any time and reserve the right to discontinue or suspend any portion of this Website including, without limitation, any Client Logins, at any time for any reason. This Website is intended for a United States audience. If you live outside the U.S., you may see information on this Website about opportunities or services that are not available or authorized in your country.

Subject to these Terms, BGM Wealth Partners grants you a personal, nontransferable, nonexclusive, revocable, limited license to view the Content on the Website for the sole purpose of learning information. You may also print a reasonable number of copies of the Content for your personal use, but in such case you must reproduce all proprietary copyright and trademark notices. All rights, title and interest in and to the Website and all portions thereof, and including the Content, and all intellectual property rights, including all copyright, trademark, patent and trade secret rights therein shall remain with BGM Wealth Partners and our respective licensors as may be the case, and no ownership interest is transferred to you or any other entity by virtue of making the Content available on this Website or granting you these licenses. This Website may include trademarks or logos belonging to other third-party licensors and are used pursuant to agreements with such third parties.

The Website may include links to third party websites that may contain information that may be useful or interesting to you. We do not endorse, and are not responsible for, the content and accuracy of linked websites operated by third parties or for any of your dealings with such third parties. You are solely responsible for your dealings with such third parties and we encourage you to read the terms of use and privacy policies on such third-party websites.

CLIENT LOGINS

If you are a BGM Wealth Partners client or prospective client, you may have been granted access by BGM Wealth Partners or its vendors to one or more Client Logins.

Our Client Logins are typically subscription-based services that we procure from third party providers for use by our clients. While we work with our third party providers in order to provide these services to you, except as may be expressly provided in these Terms or in our Privacy Policy, BGM Wealth Partners does not control and is not responsible for the account access, record retention, and security and privacy of the Client Logins.

We may furnish to you on the Client Logins, access to Reporting Materials and Financial Tools. “Reporting Materials” as used in these Terms means include any information furnished by BGM Wealth Partners or its related parties, which include, without limitation, various papers, documents, financial statements, projections of income and cash flow, information about future or potential transactions, and other materials, regarding, among other things, your investments, strategies, performance reports, tax reporting or otherwise (collectively “Reporting Materials”). “Financial Tools” as used in these terms means any financial calculators, investment tools, account aggregators or similar tools (collectively “Financial Tools”).

We make the Client Logins and any Reporting Materials and Financial Tools available to you only on the conditions that you agree to treat the Reporting Material and Financial Tools confidentially and that you agree to use the Client Logins and all Reporting Material and Financial Tools only in connection with the intended purpose for your own personal use (or if applicable, for the use of a BGM Wealth Partners client you are representing) and involvement with BGM Wealth Partners. You agree not to use the Client Logins to communicate transactions such as trades, to store attorney-client privileged documents, to send unsolicited e-mails, harvest information, attempt to gain unauthorized access to the Client Logins or otherwise interfere with another user’s use of the Client Logins or transmit any of the following: unlawful, fraudulent or otherwise objectionable materials, materials that infringe the intellectual property rights of others, materials that contain software viruses or other harmful computer code or programs, or materials that interfere with disrupt use of the Client Logins. Judgment concerning the applicability of these restrictions shall be at the sole discretion of BGM Wealth Partners or its applicable third party providers.

BGM Wealth Partners reserves the right, in its sole discretion and at any time, to set limits on the number and size of any transmissions sent by or received through the Login and/or the amount of storage space available for transmissions or for any feature made available through this Login.

You understand that Reporting Materials are not a replacement for account statements provided directly by custodians of your financial accounts and that is important to compare Reporting Materials with the statements received from a custodian.

Except for limited rights granted in these Terms or applicable terms of use, you do not have any right, title or interest in the Client Logins and any intellectual property contained therein. You agree that BGM Wealth Partners, and its third party providers as applicable, retain all proprietary right, title and interest in all portions of the Client Logins. You shall not modify, distribute, prepare derivative works of, reverse engineer, reverse assemble, disassemble, decompile or otherwise attempt to decipher any code used in connection with the Client Logins or otherwise exploit the Reporting Materials and Financial Tools contained on this Login without the explicit written permission of BGM Wealth Partners. And upon the request of BGM Wealth Partners, you will promptly return to BGM Wealth Partners all Reporting Materials furnished to you.

You understand that your use of the Client Logins may be electronically tracked and monitored, to the extent permitted under applicable law. You also understand that your use of the Financial Tools may use session cookies which contain encrypted or encoded information that exist during an online session to process requests and validate a user. Session cookies become invalid when browser software is completely closed after a session using the Financial Tools.

CLIENT LOGIN ACCOUNT MANAGEMENT

You are responsible for maintaining your user accounts with current, complete and accurate contact information (including e-mail) and for safeguarding the confidentiality of your usernames and passwords for accessing the Client Logins or any Reporting Materials and Financial Tools. You agree not to disclose your username and password to any third party and to change your password immediately if confidentiality may have been compromised. You further agree to immediately notify BGM Wealth Partners of any unauthorized use of a Client Login through your accounts.

You are responsible for employing appropriate precautions by accessing the Login through a secure and trusted connection, and will ensure that you exit or log-off from the Login at the end of each session. You acknowledge that BGM Wealth Partners is not responsible for the safety and confidentiality of Reporting Materials and Financial Tools outside of the Login.

Either you or BGM Wealth Partners may terminate your access to the Login at any time, with or without cause, and with or without prior notice. Upon termination for any reason, your right to access and/or use the Login will immediately cease. Upon termination, you will have no further access to any information, files or materials related to your access, including, without limitation, any User Submitted Materials (as defined below) through the Client Logins.

Upon termination, BGM Wealth Partners may delete all information, files and materials related to your access as provided by BGM Wealth Partners’ privacy policy, file retention policy and other industry requirements. You agree that BGM Wealth Partners shall have no liability whatsoever to you or any third party as a result of termination of your rights of access to the Login and/or the deletion of any information, files or materials.

MATERIALS SUBMITTED BY YOU

Materials Submitted by You (“User Submitted Materials”) may include documents that you upload to the Client Logins to share with BGM Wealth Partners to allow us to provide services to you pursuant to your Client Engagement Agreement with us. You will retain ownership of such User Submitted Materials and you grant BGM Wealth Partners and its agents and third party vendors rights to access and use such materials in order to provide services to you pursuant to the intended use as agreed upon in our advisory contract with you and/or as contemplated in these Terms of Use or other applicable terms of use.

Notwithstanding the foregoing, you agree that BGM Wealth Partners and its third party providers may (but are not obligated to) monitor, edit, filter, refuse to upload and/or disclose any User Submitted Material and the circumstances surrounding the use thereof, to any third party in order to provide the applicable services, to protect BGM Wealth Partners or such third party providers and comply with their respective retention policies, legal obligations or government requests.

BGM Wealth Partners takes, and requires its third party vendors to take, reasonable technical, organizational and administrative security measures to protect your User Submitted Materials for example, to maintain confidentiality of your passwords. Notwithstanding the foregoing, neither BGM Wealth Partners nor its third party providers shall be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any User Submitted Materials.