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imprint - disclaimer - terms & conditions

READ THESE TERMS AND CONDITIONS ("TERMS") CAREFULLY BEFORE USING THE SERVICES DESCRIBED HEREIN. BY UTILIZING THE WEBSITE TRUST HOLDING OPTIMA ("WEBSITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS AND THAT YOU AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, YOU ARE NOT AN AUTHORIZED USER OF THESE SERVICES AND YOU SHOULD NOT USE THIS WEBSITE RESERVES THE RIGHT TO CHANGE, MODIFY, ADD OR REMOVE PORTIONS OF THESE TERMS AT ANY TIME FOR ANY REASON. WE SUGGEST THAT YOU REVIEW THESE TERMS PERIODICALLY FOR CHANGES. SUCH CHANGES SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU ACKNOWLEDGE THAT BY ACCESSING OUR WEBSITE AFTER WE HAVE POSTED CHANGES TO THESE TERMS, YOU ARE AGREEING TO THESE TERMS AS MODIFIED.

Disclaimer   Nothing contained on this website constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on this Website constitutes a solicitation or offer by TRUST HOLDING OPTIMA (TH-OPTIMA) or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on this website are the sole responsibility of the visitor. In exchange for using this Website, the visitor agrees to indemnify and hold TH-OPTIMA, its officers, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, costs and expenses (including but not limited to attorneys fees) arising from your use of this website, from your violation of these Terms or from any decisions that the visitor makes based on such information. The information to multiply your capital discussed in the website may not be suitable for all investors and are not obligations of TH-OPTIMA or its affiliates or guaranteed by TH-OPTIMA or its affiliates. TH-OPTIMA makes no representations that the contents are appropriate for use in all locations, or that the transactions, securities, products, instruments, or services discussed on this site are available or appropriate for sale or use in all jurisdictions or countries, or by all investors or counterparties. By making available information on the website, TH-OPTIAM does not represent that any investment vehicle is available or suitable for any particular user. All persons and entities accessing the website do so on their own initiative and are responsible for compliance with applicable local laws and regulations.All investments involve risk and may lose value. The value of your investment can go down depending upon market conditions. Fixed income investments are subject to risk including interest rate, credit, market and issuer risk. Currency exchange rates may cause the value of an investment to go up or down. Alternative strategies involve higher risks than traditional investments, may not be tax efficient, and have higher fees than traditional investments; they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain.This website is for information purposes only and is not intended to be relied upon as a forecast, research or investment advice. The information on this Website does not constitute a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Although this material is based upon information that TH-OPTIMA considers reliable and endeavors to keep current, TH-OPTIMA does not assure that this material is accurate, current or complete, and it should not be relied upon as such. Any opinions expressed on this website may change as subsequent conditions vary. Past performance is no guarantee of future results. The information and services provided on this Website are provided "AS IS" and without warranties of any kind, either expressed or implied. To the fullest extent permissible pursuant to applicable law, TH-OPTIMA disclaims all warranties, including, but not limited to, any warranty of non-infringement of third-party rights and any implied warranties of merchantability and fitness for a particular purpose. TH-OPTIMA does not warrant, either expressly or impliedly, the accuracy or completeness of the information, text, graphics, links or other items contained on this website and does not warrant that the functions contained in this website will be uninterrupted or error-free, that defects will be corrected, or that the website will be free of viruses or other harmful components. TH-OPTIMA expressly disclaims all liability for errors and omissions in the materials on this Website and for the use or interpretation by others of information contained on the website. Advisor Disclosures Investments in TH-OPTIMA products or client account are not bank deposits and are not insured or guaranteed by TH-OPTIMA or any bank. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Please carefully consider a fund's investment objective, risks, charges and expenses before investing. For this and other information, contact TH-OPTIMA for a free prospectus or view one online. Read it carefully before you invest or send money.

QEIG TRUST COMPANY (QTC),  a international association operating as a limited purpose trust company, provides fiduciary and trust services, including certain commingled investment options designed to help certain types of investors. QTC is a independent working service company associates with TH-OPTIMA. Please carefully consider a commingled vehicle’s investment objective, risks, charges and expenses before investing. Although for a short-term investment it is possible to lose money by investing in such a objective.Trademarks, Copyrights and other Intellectual Property.The content contained on this website is owned or licensed by TH-OPTIMA and its third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property rights. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this website, including any text, graphics, video, audio, software code, user interface design or logos. You may download material displayed on this Website for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including all text, images, audio, and video, without TH-OPTIMA written permission. Modification or use of the materials for any other purpose violates TH-OPTIMA intellectual property rights. All trademarks, service marks, trade names, and logos displayed on this Website are proprietary to TH-OPTIMA and/or their respective owners. Nothing contained on this website should be construed as granting, by implication, estoppeld, or otherwise, any license or right to use any trademark displayed on this Website without the written permission of TH-OPTIMA or such other third party that may own the trademark displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.The use of the images displayed on this website by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, and the laws of privacy and publicity, and communications, as well as other regulations and statutes. If you download any information 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.

Links to other websites  Th-OPTIMA may establish links between this website and one or more websites operated by third parties. TH-OPTIMA has no control over any such other websites, the contents therein or the products/services offered. The existence of any such links shall not constitute an endorsement of, or representation or warranty by TH-OPTIMA regarding such websites, the contents of the websites, the products or services of the websites or the operators of the websites. Your access to and use of such linked websites is governed by the terms of use and privacy policies of those sites, and shall be at your own risk. TH-OPTIMA disclaims responsibility for the privacy policies and customer information practices of third-party internet websites hyperlinked from our Website.

Links to TH-OPTIMA   from other websites You shall not display hyperlinks on your websites to any website owned or operated by TH-OPTIMA. If you desire to display on your website a hyperlink to a TH-OPTIMA website, you must enter into a written agreement with TH-OPTIMA governing such display. Access to any TH-OPTIMA website does not authorize you to use any of TH-OPTIMA names, logos, trademarks or copyrighted material, and you agree not to do so without TH-OPTIMA express written consent.

Transmissions to and from this Website   Electronic communications can be intercepted by third parties and, accordingly, transissions to and from this website may not be secure. Communications to TH-OPTIMA, particularly those containing confidential information, may be sent by mail to TH-OPTIMA. TH-OPTIMA shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a website user to TH-OPTIMA through this website. You acknowledge and agree that TH-OPTIMA has granted you limited access to the specific files pertaining to the TH-OPTIMA Investments, and you agree not to attempt to access computer files other than the approved Files. TH-OPTIMA makes no warranty to you regarding the security of the website, including with regard to the ability of any unauthorized persons to access information received or transmitted by you through or from the website. TH-OPTIMA reserves the right to cease providing, or to change, this website and content of such information (or any portion or feature thereof) at any time or frequency and without notice. Account and Transaction Information on this Website Certain TH-OPTIMA clients may access account information through this website. Account information is unaudited unless noted otherwise, may be based on estimates. Do not make any investment decisions based on such information as it is subject to change.

Jurisdiction and Governing Law   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 TH-OPTIMA or its affiliates to any registration requirement within such jurisdiction or country. This Website will not be considered a solicitation for or offering of any investment product or service to any person in any jurisdiction where such solicitation or offering would be illegal.

Limitation of Liability   AND ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF THIS WEBSITE), EVEN IF QEIG HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES, INCLUDING, WITHOUT LIMITATION, FROM THE USE OR ATTEMPTED USE OF THIS WEBSITE OR ANOTHER LINKED WEBSITE. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR IF YOU ACCESS THE WEBSITE SOLELY THROUGH AN ARRANGEMENT WITH YOUR EMPLOYER OR PLAN SPONSOR, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU. Broker-Dealer's Potential Conflicts   As an investment advisor TH-OPTIMA and/or its affiliates (including any entities that are "affiliates" as that term is defined in the Investment Company Act of 1940) may act as a principal for its own account or as agent for its customers in connection with the sale to you or purchase by you of a security that is the subject of content prepared by TH-OPTIMA. If it receives a mark-up or commission or acts as agent for another person in connection with any such transaction, TH-OPTIMA may have a potential conflict of interest. You understand this potential conflict and acknowledge that you may choose to effect securities transactions at another investment advisor.

Timeliness of Content   All content on this website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Prohibited Uses   Except as otherwise stated in these Terms or as expressly authorized by TH-OPTIMA in writing, you may not: • Use this Website in any manner that could damage or overburden any TH-OPTIMA server, or any network connected to any TH-OPTIMA server, as all servers have limited capacity; • Use this website in any manner that would interfere with another party's use of the website; • Include the term "TH-OPTIMA," or any TH-OPTIMA trademark or executive's name, or any variation of the foregoing, as a meta-tag, hidden textual element; • Use any robot, spider, intelligent agent, other automatic device, or manual process to search, monitor or copy this website or the reports, data, information, content, software, products services, or other materials on, generated by or obtained from this website, whether through links or otherwise (collectively, "Materials"), without TH-OPTIMA permission, provided that generally available third-party web browsers may be used without such permission; or • Use this Website or the Materials in any manner that could create impression of affiliation, sponsorship or endorsement by TH-OPTIMA .

Password Security and Notification   Certain parts of the Website are protected by passwords or require a login and are restricted to authorized users only. You may not obtain unauthorized access to such parts of the website, or to any other protected materials or information, through any means not intentionally made available by TH-OPTIMA for your specific use. If you have a Personal Identification Number (PIN) for access to non-public areas of the Website or any other access, you are solely responsible for all activities that occur in connection with your PIN. Accordingly, you should take all reasonable steps to protect the confidentiality of your PIN. Notify TH-OPTIMA immediately if you become aware of any disclosure, loss, theft or unauthorized use of your PIN.

Unauthorized Use of Content   agree to defend, indemnify and hold harmless TH-OPTIMA, its affiliates and each of their respective officers, directors, members, partners, managers and employees against any losses, damages, claims, liabilities and costs (including reasonable attorneys’ fees) to the extent resulting from or arising out of any unauthorized or otherwise inappropriate use of any of the content of this website attributable to you or which occurs through the use of your ID. System Outages and Incomplete Transmissions   Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a user's computer. TH-OPTIMA is not liable for any damages, changes, or omissions that occur during transmission of information and materials.

Termination TH-OPTIMA   may terminate your access to the website for any reason, without prior notice.

Waiver   No waiver by TH-OPTIMA of any right under or term or provision of these Terms will be deemed a waiver of any other right, term, or provision of these Terms at the time of such waiver or a waiver of that or any other right, term, or provision of these Terms at any other time.

Integration and Severability   If any provision of these Terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions. The preceding Terms of use represent the entire agreement between TH-OPTIMA and the user relating to the subject matter herein. TH-OPTIMA is an equal opportunity employer committed to diversity in the workplace.

December, 2021

source pics: pixabay