Terms & Conditions

PENNIWIZE EMPOWERMENT NETWORK, LLC.

WEBSITE TERMS & CONDITIONS

Thank you for visiting the website of Penni wiZe Empowerment Network LLC. (together with its affiliates hereinafter referred to as “we” or “us”). By accessing this website (the “Site”), you agree to accept the following Terms of Use pertaining to the use of the Site, which constitute a legal agreement between you and PenniwiZe, and our Privacy Policy. If you do not accept these Terms of Use, you may not use the Site. PenniwiZe reserves the right to modify these Terms of Use without notice, and each use of the Site constitutes your acceptance to be bound by the terms set forth in the Terms of Use as modified at the time of such use.

PERMITTED USES OF WEBSITE AND CONTENT

All content and information, and all trademarks, service marks, trade names, trade dress, logos, copyrights and other intellectual property displayed on the Site (“Content”) are owned by, controlled by or licensed to PenniwiZe or their respective owners. We have listed below the permitted uses of our Content. We reserve the right to change our permitted uses at any time.

• PenniwiZe grants you a limited, revocable, nonexclusive and nontransferable right to view, store, bookmark, download, copy and print pages from the Site for your personal and noncommercial use only. Unless you receive our permission in advance, you may not exploit any of the Content commercially, forward it as a mass distribution, or post it on another site.
• If you link other websites to this Site, you may not imply or suggest that PenniwiZe has endorsed or is affiliated with such websites and you may not display this Site as “framed” within another website.

PROHIBITED USES OF WEBSITE AND CONTENT

PenniwiZe does not grant, by implication, estoppel or otherwise, any license or right to use Content on this Site other than those set forth above, and you shall not make any other use of such Content without PenniwiZe’s written permission. Without limiting the generality of the foregoing:

• You agree not to copy large portions of the Site (such as by bots, robots or spiders that “harvest” the Site), interfere with the functioning of the Site or restrict or inhibit any others from using the Site.
• If you download any pages from the Site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such Content. You may not alter or modify the Content in your copies.
• You may not (and may not encourage or assist others to) violate any law, regulation, rule or the intellectual property or contractual rights of others, or attempt to violate the security of this Site or use or gain access to the identities, information or computers of others through this Site.
• You may not transmit any virus, worm, time bomb or similar system interference or other corruptant through this Site.

PenniwiZe has the right (but not the obligation) to monitor this Site for any unauthorized or objectionable conduct and to take all appropriate actions in response, without notice to you. We reserve the right to change or supplement our website policies at any time to the fullest extent permitted by applicable law.

NO OFFERS OR ADVICE/FORWARD-LOOKING STATEMENTS/HISTORICAL INFORMATION

This Site is for informational purposes only. Under no circumstances should any information or materials presented on the Site be used or construed as an offer to sell, or a solicitation of an offer to buy, any securities, financial instruments, investments or other services. This Site does not provide specific investing advice to any individual viewing the contents of the Site and does not represent that the securities or services described herein are suitable for any specific investor. Investors are advised not to rely on any information contained in this site in the process of making a fully informed investment decision. Furthermore, no information or materials contained in the Site should be construed or relied upon as investment, legal, accounting, tax or other professional advice or in connection with any offer or sale of securities. PenniwiZe will not treat users of the Site as its partners, clients, customers or investors by virtue of their accessing the Site.

INVESTMENT PERFORMANCE

Past performance is not indicative of future results. No representation is being made that any investment or transaction will or is likely to achieve profits or losses similar to those achieved in the past, or that significant losses will be avoided. The investment return and principal value of an investment will fluctuate and, as a result, your redemption value may be more or less than original cost. The Site contains forward-looking statements, which reflect our current views with respect to, among other things, the operations and performance of our businesses. You can identify these forward-looking statements by the use of words such as “outlook,” “believe,” “expect,” “potential,” “continue,” “may,” “should,” “seek,” “approximately,” “predict,” “intend,” “will,” “plan,” “estimate,” “anticipate” or the negative version of these words or other comparable words. Forward-looking statements are subject to various risks and uncertainties. Accordingly, there are or will be important factors that could cause actual outcomes or results to differ materially from those indicated in these statements. We undertake no obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. Any transactions described on the Site as having been engaged in by PenniwiZe are included as representative transactions for illustrative purposes only.

INTERNATIONAL USE

The Content provided in or accessible through the Site is, unless otherwise specified, directed at residents of the United States, and are 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 PenniwiZe to any registration or other requirement within such jurisdiction or country. PenniwiZe reserves the right to limit access to the Site to any person, geographic region or jurisdiction. Unless otherwise expressly set forth herein, PenniwiZe makes no representations that transactions, products or services discussed on or accessible through the Site are available or appropriate for sale or use in all jurisdictions or by all users, or that access by any user in the place it is located is not illegal or prohibited. Users who choose to access the Site from other locations do so on their own initiative and are responsible for establishing the legality, usability and correctness of any information or Content on the Site under the laws of any applicable jurisdictions. You may not use or export the Content on the Site or accessible through the Site in violation of U.S. laws and regulations. Please also refer to GDPR Policy for further information.

LINKED SITES

PenniwiZe does not review or monitor any websites linked from or to the Site and is not responsible for the Content of any such websites. Accordingly, PenniwiZe cannot be held responsible for the information, materials, products or services obtained on or from such other websites, nor will we be liable in any respect whatsoever for any damages arising from your access to such websites. Any links from or to other websites are provided merely for the convenience of the users of the Site and the inclusion of these links does not imply an endorsement, representation or warranty by PenniwiZe with respect to any such linked websites or the Content, products or services contained or accessible through such websites or their operators. PenniwiZe DISCLAIMS RESPONSIBILITY FOR THE PRIVACY POLICIES AND CUSTOMER INFORMATION PRACTICES OF THIRD-PARTY INTERNET WEBSITES HYPERLINKED FROM THE SITE. Your following links from or to such websites is at your sole risk.

TRANSMISSION TO AND FROM THE SITE

Subject to any applicable terms and conditions set forth in our Privacy Policy, any communication or other material that you send to us through the Internet or post on the Site by electronic mail or otherwise, is and will be deemed to be non-confidential as between you and us and PenniwiZe shall have no obligation of any kind with respect to such information. PenniwiZe will be free to use, for any purpose, and without compensation due or payable to you, any ideas, concepts, know-how or techniques provided by you to PenniwiZe through the Site.

PASSWORD AND SECURITY NOTIFICATION

Certain areas of the Site are password protected and are only accessible to those who have a valid PenniwiZe-issued password. You may not attempt to access any password protected areas of the Site without authorization. In the event that you have been issued such a password, you acknowledge and agree that PenniwiZe has granted you limited access to specific files pertaining to investments relevant to you, and you agree not to attempt to access other computer files. The contents of the password protected area of the website are subject to the confidentiality provisions of the fund documents. Persons who have access to the password protected area are responsible for maintaining the confidentiality of any account information, user names, and/or security questions and answers that they may use to access any page or feature on the password protected area, and for logging off any protected areas of the Site. Accordingly, you should take steps to protect the confidentiality of your password. You should notify PenniwiZe immediately if you become aware of any disclosure, loss, theft or unauthorized use of your password. Persons with access to the password protected area are solely responsible for maintaining the confidentiality and security of their unique passwords. They may not disclose their passwords to any third party. If password information is shared with a third party in violation of this Agreement, such as an information aggregator, we may not be able to verify the user of the password information. If password information is shared with a third party in violation of this agreement, including an information aggregator, PenniwiZe assumes no liability or responsibility whatsoever for the integrity and security of that third party’s information systems or the dissemination, through a third party, of any confidential information. PenniwiZe will not be responsible for any loss that arises from such use or action or from the failure to comply with these provisions.

LIMITATION OF LIABILITY

PENNIWIZE USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP TO DATE INFORMATION ON THIS WEBSITE. HOWEVER, ERRORS AND OMISSIONS MAY OCCUR. IN NO EVENT SHALL PENNIWIZE OR ITS RELATED PERSONS BE LIABLE TO ANY PARTY FOR ANY CLAIMS, LIABILITIES, LOSSES, COSTS OR DAMAGES, INCLUDING BUT NOT LIMITED TO ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH ANY ACCESS, USE (OR INABILITY TO USE) OR DISTRIBUTION OF THE SITE OR ANY INFORMATION OR MATERIALS OBTAINED THROUGH USE OF THE SITE. THIS IS TRUE EVEN IF PENNIWIZE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.

DISCLAIMER AND INDEMNITY

PenniwiZe and its officers, directors, managers, partners, members, shareholders, employees, affiliates and agents (collectively “Related Persons”) make no representations or warranties of any kind, express or implied, as to the accuracy, reliability, completeness, availability or other characteristics of the information or materials presented on the Site. Such information or materials are provided “as is” and “as available”. To the fullest extent permissible pursuant to applicable law, PenniwiZe specifically disclaims any and all warranties of any kind, express or implied, including but not limited to all warranties of and conditions of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy or completeness. PenniwiZe does not warrant that the information in this Site is accurate, reliable or correct, that this Site will be available at any particular time or location, or that this Site is free of viruses or other harmful components. Electronic communications can be intercepted by third parties and, accordingly, electronic mail and other transmissions to and from the Site or made via the Site may not be secure. The investments and strategies discussed in the content may not be suitable for all investors and are not obligations of PenniwiZe or any of its affiliates or guaranteed by PenniwiZe or any of its affiliates. The investments are not bank deposits and are not insured by the Federal Deposit Insurance Corporation or any other entity and are subject to investment risks, including the loss of the principal amount invested. Nothing contained on the Site constitutes investment, legal, tax or other advice nor is to be relied on in making an investment or other decision. You should obtain and carefully review the prospectus for an investment before making any investment decision. Decisions based on information or materials contained on the Site are the sole responsibility of the user. As consideration for access to the Site, you agree to indemnify and hold harmless PenniwiZe and its Related Persons from and against any claims whatsoever and of any nature for damages, losses and causes of action, including but not limited to actions by third parties against you, PenniwiZe or any of its Related Person, arising out of or in connection with any decisions that you make based on such Content, your use of the Site, or your violation of our website policies. You agree to make PenniwiZe its subsidiaries and affiliates whole for any and all claims, losses, liabilities, and expenses (including attorneys’ fees) arising from your use of the Site or any violation of this Agreement unless prohibited by law.

AMERICANS WITH DISABILITIES ACT COMPLIANCE

PenniwiZe aims to provide full accessibility to our programs, services, and activities unless doing so changes the fundamental nature of the program, service or activity or it creates an undue administrative or financial burden.  If you are not able to access any of the content of this website, please contact PenniwiZe at [email protected] so that we can seek a solution or provide the information in an accessible format.  If you use assistive technology (such as a screen reader, etc.) and have difficulty accessing any information, please identify the information or material to which you seek access, the website address of the material with which you request access or assistance, the problem you experienced, and your contact information so that we may provide you with the necessary assistance.

COPYRIGHT STATEMENT

All Content on the website is subject to copyright, trademark, and other proprietary rights and laws. PenniwiZe reserves the right to change Content without notice. No part of this Site may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying or recording, or by any information storage or retrieval system, without the express written permission of PenniwiZe.

GOVERNING LAW AND FORUM

The laws of the State of Florida govern these Terms of Use. You agree that any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises or it will be deemed to have been waived.

INTEGRATION AND SEVERABILITY; WAIVER

This Agreement represents the entire agreement between PenniwiZe and the user relating to the subject matter herein. If, for any reason, a court of competent jurisdiction finds any provision in this Agreement to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of this Agreement, and the remainder shall continue in full force and effect. No waiver by PenniwiZe of any breach of this Agreement will be deemed a waiver of any subsequent or different breach.