 Web
Site Terms and Conditions
Introduction
This document sets forth the terms and conditions ("Terms
and Conditions") governing your use of the Internet web
site operated by International Planning Alliance, LLC ("IPA"),
located at "planningalliance.com" (the "Site"),
and the information and services made available on and through
the Site. Please read these Terms and Conditions carefully.
These Terms and Conditions will form a binding Agreement between
you, the user, and IPA.
Acceptance of Terms and Conditions
Your use of the Site indicates your acceptance of these Terms
and Conditions. If you do not accept these Terms and Conditions,
you may not use the Site. The use of the Site is a privilege.
Please review these Terms and Conditions each time you use
the Site as they are subject to change at any time by IPA
without notice to you. Any changes to these Terms and Conditions
will be effective immediately upon posting to the Site. IPA
reserves the right to suspend your use of the Site for any
reason at any time, in its sole discretion.
Intellectual Property
Some text, graphics, designs, logos, button icons, images, audio clips, data compilations and information ("Content") contained on the Site are owned or controlled by IPA or its respective owners and are protected by United States and international copyright laws. Certain graphics, designs, logos and images on the Site are owned or controlled by Guardian. You may download Content solely for your personal use for non-commercial purposes. You may not modify or further reproduce the Content for any purpose whatsoever.
All logos and trademarks displayed on the Site are registered trademarks or trademarks of IPA or are the marks, trade names, trade dress of their respective owners. Depictions of products or services on the Site are trademarks of their respective owners ("Trademarks") and are protected in the United States and internationally. No use of any Trademarks may be made without the prior written authorization of IPA or the respective owners of the Trademarks except to identify the products or services associated therewith.
Nothing contained herein shall be construed as conferring
any license or right to any patents, copyright or trademark
embodied in the Site. All right, title and interest in the
Content and the Trademarks shall reside solely with IPA or
the respective owners thereof.
IPA does not want to receive confidential or proprietary
information from you through the Site and any information
or material sent to IPA through the Site in respect of any
products or service referenced or offered on the Site will
be deemed NOT to be confidential. By sending IPA any information
or material regarding our services, you grant IPA an unlimited,
worldwide, irrevocable right and license to use, reproduce,
display, perform, modify, transmit and distribute those materials
or information, and you also agree that IPA is free to use
any ideas, inventions, concepts, know-how or techniques that
you send IPA for any purpose. Such purposes may include disclosure
to third parties and/or developing, manufacturing and/or marketing
goods or services.
Representations of User
By using the Site, you hereby represent and warrant that:
(i) all information contained in any submission by you is
either owned by you or rights have been granted to you permitting
you to disseminate the information as set forth in these Terms
and Conditions; and (ii) the information contained in any
submissions by you does not infringe on the intellectual property
rights of others, including but not limited to, copyright,
trademark, patent, or trade secret rights.
Limitations on Information Submitted
Any submission of information by you through the Site or to
IPA is subject to the following guidelines and restrictions:
- It may not contain URLs or links to any other Internet
web sites;
- It may not contain copyrighted material (unless you own
the copyright or have the owner's permission to post the
copyrighted material);
- It may not contain trade secrets (unless you own them
or have the owner's permission to post them);
- It may not contain material that infringes on the intellectual
property rights of others, including but not limited to
copyright, trademark, patent, or trade secret rights;
- It may not contain information that is known by you to
be untrue, false or misleading or that does not fairly or
accurately depict or describe the subject matter that is
the subject of the information posted by you;
- It may not present information which impersonates another
person, whether living or dead, misstate the identity of
any person, or misstate or mislead as to gender or age;
- It may not contain viruses, bots, Trojan horses or other
programs or information which disrupts or interferes with
the operation of the Site;
- It may not be sent for the purpose of "flooding",
"mailbombing" or "crashing" the Site;
- You may not solicit money, investments or make any offering
of securities or investments;
- You may not submit chain letters or pyramid schemes.
Monitoring of Information
IPA does not assume any obligation to review the accuracy,
completeness, truthfulness or content of any information submitted
to the Site by you, other users of the Site, or of companies
offering products or services on the Site. Notwithstanding,
IPA may in its discretion review information submitted to
the Site for any purpose whatsoever and it reserves the right,
in its sole discretion, to reject any information submitted
to the Site for any reason whatsoever.
Hyperlinks
From time to time, as a convenience to you, the Site may include
links to third party web sites, or permit third parties to
link to this Site. Links to or from a third party web site,
whether provided by IPA or not, do not imply any affiliation
between IPA and the site owner, or an endorsement of such
third party sites. We may cancel any link at any time and
will remove any link from this Site upon request from the
owner of the linked site. Such requests should be sent to
our web site administrator, webmaster@planningalliance.com
or (800) 355-1919.
Availability
Not all of the products and services described on this Site
are available in all geographic areas of the world. You may
not be eligible for all of the described products or services
and we reserve the right to determine the eligibility of any
user for any product or service. The pages relating to each
product or service may provide additional information on the
availability of each product or service and may contain additional
terms governing eligibility.
Children
This Site does not intend to market any products or services
to children. IPA does not knowingly gather, or solicit data,
from children through this Site for marketing purposes.
Accuracy of Content
IPA will make every reasonable effort to include accurate
and up to date content on the Site. Notwithstanding, IPA provides
such content for informational purposes only and does not
warrant or represent that descriptions of services or other
content contained on the Site is complete, accurate, reliable,
current or error-free.
Disclaimer
THE SITE AND THE INFORMATION ON THIS SITE IS PROVIDED “AS
IS” WITHOUT ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING
BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. IPA
MAKES NO REPRESENTATION OR WARRANTY THAT THE INFORMATION CONTAINED
ON THIS SITE WILL BE CURRENT, TIMELY, COMPLETE, ACCURATE OR
ERROR FREE. IPA HAS NOT REVIEWED ALL THE SITES THAT MAY BE
LINKED TO ITS SITE AND DOES NOT ENDORSE AND IS NOT RESPONSIBLE
FOR THE CONTENT OF ANY OFF-SITE PAGES OR ANY OTHER SITES LINKED
TO THESE SITES. YOUR LINKS TO SUCH SITES IS AT YOUR OWN RISK.
TO THE EXTENT THAT THE LAW DOES NOT PERMIT THE DISCLAIMER
OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THE SITE, OR ANY
OTHER WEB SITE TO WHICH THIS SITE LINKS, IS WARRANTED ONLY
TO THE MINIMUM AMOUNT LEGALLY REQUIRED.
IN NO EVENT SHALL IPA BE LIABLE TO ANY PARTY FOR ANY DIRECT,
INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE
OF THIS WEB SITE, OR ON ANY LINKED WEB SITE, INCLUDING, WITHOUT
LIMITATION, ANY PROFITS, BUSINESS INTERRUPTION OR OTHERWISE.
YOU AGREE TO INDEMNIFY, DEFEND AND HOLD IPA HARMLESS FROM
AND AGAINST ANY AND ALL LIABILITY, CLAIMS, CAUSES OF ACTIONS,
DAMAGES, COSTS AND EXPENSES, INCLUDING BUT NOT LIMITED TO,
ATTORNEYS FEES AND COSTS OF SUIT, ARISING OUT OF YOUR BREACH
OF THESE TERMS AND CONDITIONS.
Governing Law and Venue
These Terms and conditions are governed by the internal substantive
laws of the State of New Jersey in the United States of America,
without respect to its conflict of laws principles. Jurisdiction
and venue for any claims arising under from the use of the
Site or these Terms and Conditions shall lie exclusively with
the state and federal courts within the State of New Jersey.
You hereby irrevocably consent to the jurisdiction of the
state and federal courts within the State of New Jersey.
If any provision of these Terms and Conditions 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 and Conditions,
which shall remain in full force and effect. The failure of
IPA to enforce any term or condition of these Terms and Conditions
shall not be deemed a waiver thereof and shall not prevent
its later enforcement.
Changes
The information contained in these Terms and Conditions may
be changed or updated by IPA from time to time and without
prior notice by posting the modified Terms and Conditions
to the Site. IPA may also make improvements and/or changes
in the products and/or the programs described in this information
at any time without notice. It is your obligation to review
these Terms and Conditions on an ongoing basis. Your continued
use of the Site constitutes your agreement to these Terms
and Conditions. If at any time you do not agree to these Terms
and Conditions, you must cease your use of this Site.
Privacy
Policy
International Planning Alliance, LLC., and its affiliates,
related companies, agents, and licensors (collectively "IPA"),
is committed to protecting your privacy and the security of
all data on this site. To demonstrate this commitment, we
have adopted this privacy policy ("Privacy Policy").
Our policy is based on the principles of notice/awareness,
choice/consent, access/participation and integrity/security
in the collection and use of all information regarding our
users and their activities at the "planningalliance.com"
web site ("Site"). Please review this policy each
time you use the Site as it is subject to change at any time
by IPA without notice to you. It is your obligation to review
this Privacy Policy from time to time. By accessing the Site
you are indicating your agreement to this Privacy Policy.
Any changes to the Privacy Policy will be effective immediately
upon posting to this Site.
Notice of our Policy
This policy tells you, among other things, what information
we gather from you, how we may use or disclose that information
and our efforts to protect it. Please read this policy carefully,
and feel free to contact our Webmaster at webmaster@planningalliance.com
if you have any questions regarding its contents.
What Types of Information are Collected and
Why?
Information submitted by you
At times, we may ask you to provide information about yourself
or your companies in order to better serve you. For example,
some of the information collected may include name, title,
company, address, phone number, email address, and other relevant
data. We do not require this information to obtain access
to any area of our site. This information allows us to contact
you should the need arise or to respond appropriately to your
request for services.
Information collected by Cookies
We may also make use of website "cookies" to help
you use our services more easily and to help us continuously
improve our website and our service to you. A "cookie"
is a small data file that a website can send to your browser,
which may then be stored on your hard drive to help our website
"remember" information about you when you return
to our website, such as your preferences for our website or
account id's. Our cookies do not read data off of your hard
drive, read cookie files created by other websites or track
any personal information about you. You may have the option
of setting your browser to reject cookies, however, doing
so may negatively impact upon the performance of the Site
or restrict us in better serving your needs and interests.
The "help" portion of the toolbar on most browsers
will tell you how to prevent your browser from accepting new
cookies, how to have the browser notify you when you receive
a new cookie, or how to disable cookies altogether.
How Does IPA Use My Information?
User Identification
We will retain this information on a secure server so that
on re-visiting our web-site, you will not need to re-enter
that information. IPA may use this information in an aggregated
form to measure number of visits, average time spent on the
site, pages viewed, and other relevant statistics. IPA collects
this information to measure the use of our site and to improve
the content of our site.
We use your personally identifying information to identify
you as a user of the Site and to assist and speed the completion
of transactions on the Site. We may use your email address
to contact you directly regarding services or products that
we believe may be of interest to you. We may also use information
collected about your preferences and activities at the Site,
such as the particular pages you request at the Site and purchases
or other transactions you effect through the Site, we may
vary the content you receive in future visits to the Site
based on your preferences and activities.
Disclosure of Aggregate Information
We may combine your personally identifying information, and
information about your preferences and activities, with those
of all or a particular group of our users to prepare collective
profiles of our users and their activities for our internal
use. For example, we may track the number of our users who
view certain pages or use certain features or compile the
total dollar amount of sales conducted through the Site in
a particular geographic region or to track purchasing trends.
Such information, and other information we derive from individual
users' information, allows us to continue to grow and provide
you with quality information through more accurate marketing
and advertising of the Site. We may share aggregated information
concerning our users, without attribution of personal information,
to our advertisers and other companies with whom we conduct
business.
No Disclosure of Personal Information
to Outside Parties
We do not disclose your personal information that you provide
or that we collect, such as your name, address, email address,
telephone number, account numbers, etc. to any persons outside
of International Planning Alliance, LLC. We will not lease, license, sublicense, rent,
transfer, disclose, disseminate or otherwise grant access
to the information we collect from you from the Site to any
persons outside of IPA. We will, however, comply with any
court order or other requirement of law which requires us
to disclose your personal information.
Can I Update or Remove My Registration Information?
After you have registered for membership on the Site, you
may review, revise or request the removal of your personal
information at any time. There are two ways in which you can
request the removal of your personal information at any time:
(i) send an email to webmaster@planningalliance.com
or (ii) telephone us at (800) 355-1919.
What Does IPA do to Keep This Site Secure?
We may use industry-standard encryption methods to transmit
your personal registration information from your computer
to ours across the Internet, and we may restrict access to
any transactional portions of the Site to computers running
web browsers that support Secure Socket Layer ("SSL")
protocol. To use this protection technology, you need to have
an SSL-capable browser.
Our website may contain "links" to other sites,
and we cannot and are not responsible for maintaining your
privacy once you leave our site. We attempt to only link to
sites that share our high standards and respect for privacy.
If you provide any information to parties who operate Web
sites that are linked to or from the Site, different rules
may apply to their collection, use or disclosure of your personal
information. We encourage you to review other sites' policies
before revealing any sensitive or personal information. Under
no circumstances shall IPA have any liability whatsoever for
the activities conducted by or at any Web site accessed from
or through the Site.
Regardless of the precautions taken by us we cannot ensure
or warrant the security of any information you transmit to
us, and you transmit such information at your own risk.
What You Can Do To Protect Your Information
- Use only secure sites when disclosing your
personally identifiable information. Secure pages begin
with “https”.
- Avoid easy to figure out access and personal ID (PIN)
codes.
- Never respond to unsolicited requests for your social
security number (SSN) or financial data.
- Do not disclose your passwords to the Site or your account
information to any other person.
Special Policy on Information Regarding
Children
(persons under 13 years of age)
The Site is not directed to children, and IPA does not knowingly
collect any personal information from children. If you are
concerned about your child's use of the Site, you may use
web filtering technology to supervise or limit access to the
Site.
General
This Privacy Policy is governed by the internal substantive
laws of the State of New Jersey in the United States, without
regard to its conflict of laws principles. Jurisdiction for
any claims arising under or out of this Privacy Policy shall
lie exclusively with the state and federal courts within the
State of New Jersey. If any provision of this Privacy Policy
is found to be invalid by a court having competent jurisdiction,
the invalidity of such provision shall not affect the validity
of the remaining provisions of this Privacy Policy, which
shall remain in full force and effect. UNDER NO CIRCUMSTANCES
SHALL IPA HAVE ANY LIABILITY WHATSOEVER FOR ANY CONSEQUENTIAL,
INCIDENTAL, INDIRECT OR SPECIAL DAMAGES ARISING OUT OF THE
BREACH OF THIS PRIVACY POLICY, HOWEVER OCCASIONED.
The information on this site is intended for the residents of New Jersey, New York, Connecticut, and Pennsylvania. The representatives of International Planning Alliance, LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Linda Bellofatto at (800) 355-1919.
RIA Disclosure
Certain advisory services are offered through International Planning Alliance, LLC (IPA), a New Jersey Registered Investment Advisor. Certain IPA representatives may be registered representatives and/or advisory representatives of Park Avenue Securities LLC (PAS) and may offer securities products and advisory services through PAS.
Certain advisory services are offered through Wood & Anthony, LLC (W&A), a limited liability company registered as an Investment Advisor with the Securities and Exchange Commission. Members of W&A include Jamison, Eaton & Wood, Inc. and IPA. IPA, W&A and Jamison, Eaton & Wood, Inc. are not affiliates or subsidiaries of PAS, Guardian, Guardian Investor Services LLC or The Guardian Insurance & Annuity Company, Inc.
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