Legal Notices and Disclaimers - Terms of Use
Terms
and Conditions
By using this website you agree to certain Terms and
Conditions which Bannon, Ohanesian & Lecours, Inc. may
modify. This website is for informational purposes only and
does not constitute an offer to sell or a solicitation of an
offer to buy any security which may be referenced herein,
except where an offer is explicitly made through the
availability of a prospectus on the site. Offerings are not
being presented on this website. Offerings can be made by
prospectus only. Please send for and read all prospectus
carefully before investing. These services are not available
in all states. We may only transact business in your state if
first registered, excluded or exempted from state broker
dealer, investment adviser, broker/dealer agent or IA representative registration
requirements. Please contact us for approval in your state. No
follow up or individualized responses will be made by the
firm, or its representative, in the state unless all
registration requirements have been complied with by the firm
and its representatives.
Bannon, Ohanesian & Lecours, Inc. its affiliates and subsidiaries and/or their officers and employees or their families may from time to time acquire, hold or sell a position in the securities mentioned herein. Moreover, the opinions may differ from one entity to the next. If Bannon, Ohanesian & Lecours, Inc. is used in connection with the purchase or sale of any security discussed in this report, we may act as principal for our own account or as agent for both the buyer and the seller.
Bannon, Ohanesian & Lecours, Inc., intends for the information contained in this website to be accurate and reliable. However, errors sometimes occur. The reports contained on this website have been prepared from original sources and data we believe reliable but we make no representations as to its accuracy or completeness. Therefore Bannon, Ohanesian & Lecours, Inc., disclaims any warranty of any kind, whether expressed or implied, as to any matter whatsoever relating to this website. In no event shall Bannon, Ohanesian & Lecours, Inc., be liable for any direct/indirect, special, incidental or consequential damages arising out of the use or inability to use materials on this website. Bannon, Ohanesian & Lecours, Inc. will from time to time revise the products and services described in this Website, and reserves the right to make such changes without the obligation to notify current or prospective customers.
Business Continuity
Bannon, Ohanesian & Lecours, Inc. has in place
procedures outlining the steps to be taken in the event of a disruption or our
normal business services, space and/or technology. The plan includes backup of
our mission critical systems and communications. Should we experience this type
of event, we will be to, with minimal disruption, continue to have access to our
client information and accounts, and anticipate the ability to communicate and
effect trades as needed.
Client
Identification Verification
To help the government fight the funding of
terrorism and money laundering activities, federal law requires all financial
institutions to obtain, verify and record information that identifies each
person who opens an account. When you open an account, we will ask for your
name, address, date of birth and other information which will allow us to
identify you. We may also ask you to provide a copy of your driver’s license or
other identifying documents. The information you provide in this form may be
used to perform a credit check and verify your identity by using internal
sources and third party vendors.
Privacy Notice
Bannon,
Ohanesian & Lecours, Inc.’s primary client goal is to protect your privacy. To
conduct regular business, we may collect nonpublic personal information from you
on applications or other forms you provide to us and/or information about your
transactions with us, our affiliates or others.
As Bannon, Ohanesian & Lecours, Inc. share nonpublic information solely to service our client accounts, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We will internally safeguard your nonpublic personal information by restricting access to only those employees who provide products or services to you or those who need access to your information to service your account. In addition, we will maintain physical, electronic and procedural safeguards that meet federal and/or state standards to guard your nonpublic information.
Information for Foreign Investors
The services and products described on this
web site are intended to be made available only to persons in the United States,
and the information on this web site is only for such persons. Nothing on this
web site shall be considered a solicitation to buy or an offer to sell a
security to any person in any jurisdiction where such offer, solicitation,
purchase or sale would be unlawful under the securities laws of such
jurisdiction.
Information Safeguarding
Bannon, Ohanesian & Lecours, Inc. will internally safeguard your
nonpublic personal information by restricting access to only those employees who
provide products or services to you or those who need access to your information
to service your account. In addition, we will maintain physical,
electronic and procedural safeguards that meet federal and/or state standards to
guard your nonpublic personal information.
Business Relationships
Bannon, Ohanesian & Lecours, Inc. makes no
representations whatsoever about any other website which you
may access through this one. When you access a non- Bannon,
Ohanesian & Lecours, Inc. Website, please understand that
it is independent and we have no control over the content on
that Website. In addition, a link to a non- Bannon, Ohanesian
& Lecours Website does not mean that we endorse or accept
any responsibility for the content, or the use, of such
Website. It is up to you to take precautions to ensure that
whatever you select for your use are free of such items as
viruses, worms and other items of a destructive nature.
Bannon, Ohanesian & Lecours, Inc. does not want to receive confidential or proprietary information from you through our Website. Please note that any information or material sent us would be deemed confidential. By sending us any information or material, you grant Bannon, Ohanesian & Lecours, Inc. an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and you also agree that Bannon, Ohanesian & Lecours, Inc. is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) we obtain your permission to use your name; or (b) we first notify you that the materials or other information you submit to a particular part of this site will be published or otherwise used with your name on it.
Personal Information
At Bannon, Ohanesian & Lecours, Inc. we intend to give you
as much control as possible over your personal information. In
general, you can visit us on the Web without telling us who
you are or revealing any information about yourself. There are
times, however, when we may need information from you, such as
your name and address. It is our intent to let you know before
we collect personal information from you on the Internet. If
you choose to give us personal information via the Internet
that we or our business partners may need -- to correspond
with you, process an order or provide you with a subscription,
for example -- it is our intent to let you know how we will
use such information. If you tell us that you do not wish to
have this information used as a basis for further contact with
you, we will respect your wishes. If you have any questions or
comments about our privacy practices, you can contact us at
webmaster@bol-investments.com. In no event will Bannon,
Ohanesian & Lecours, Inc. be liable to any party for any
direct, indirect, special or other consequential damages for
any use of this website including without limitation, or on
any other hyper-linked website, including without limitation,
any lost profits, business interruption, loss of programs or
other data on your information handling system or otherwise,
even if we are expressly advised of the possibility of such
damages.
Site Operation
Bannon, Ohanesian & Lecours, Inc. operates this site from
its offices within the United States of America. Bannon,
Ohanesian & Lecours, Inc. does not represent that the
information in this site is appropriate or available for use
in other locations, and access from certain locations may be
strictly prohibited. Those who access this site do so on their
own initiative and are responsible for compliance will all
applicable local laws.
Modification
Bannon, Ohanesian & Lecours, Inc. reserves the right to
modify the rules and regulations governing this site at any
time. When modifications appear on this site, users are deemed
aware and bound by any changes to these rules and regulations.
Bannon, Ohanesian & Lecours, Inc. reserves the right to
make any improvements or changes to the content of this site
at any time.
License and Reproduction
Permission is granted to print copies of portions of this
Website, but not the entire website and to display and
navigate around this website with a computer using HTML
browser software, solely for personal use. Any commercial or
public use of this Website or any portion hereof, beyond the
scope of your appointment with Bannon, Ohanesian & Lecours,
Inc., is strictly prohibited. You must contact Bannon,
Ohanesian & Lecours, Inc. for specific written
authorization to include a link to the Uniform Resource
Locator (URL) of this Website in HTML documents, which you
prepare. Except as stated herein, no portion of this Website
or its contents may be reproduced, copied, altered, or
transmitted, in any form or by any means, electronic,
mechanical, photocopying, recording, or otherwise, without the
prior written permission of Bannon, Ohanesian & Lecours,
Inc.
Products Mentioned in this Site
No security or insurance product is offered or will be sold in
any jurisdiction in which such offer or solicitation, would be
unlawful under the laws of the jurisdiction. Some products,
product features, or underlying investment options may not be
available in all states.
Communications
Communications sent to Website Via "Contact Us" Any
communications or material forwarded to the "Contact
Us" portion of the site via electronic mail will be
treated as non-confidential and will become the property of
Bannon, Ohanesian & Lecours, Inc. These questions,
suggestions, or comments may be used by Bannon, Ohanesian
& Lecours, Inc. for any purpose. You can only obtain
personal account information by following the instructions
stated within the password protected logon portion of this
site. Use of the e-mail function available through
"Contact Us" is only able to provide general
information. We are unable to execute transactions or provide
personal account information via email ("Contact
Us").
Comments, Correspondence, Complaints
Please direct all general comments, complaints and correspondence to the attention of your representative or Mr. Joseph K. Bannon, Sr., President, at Bannon, Ohanesian & Lecours, Inc., 433 South Main Street, Suite 104, West Hartford, Connecticut 06110. Or you may contact us by telephone at (860) 521-4751 or (800) 525-9295.
If you should have any questions regarding these topics, please contact your investment executive. We appreciate and thank you for the opportunity to help you meet your financial goals.