Important Legal Information

CONDITIONS OF USE

By using this site, you indicate your agreement to the following conditions of use without any limitation or qualification.  Please read the conditions carefully before using this site. BLACK RIVER WEALTH MANAGEMENT LTD. may at any time revise these terms and conditions by updating these materials.  You are bound by any such revisions and should therefore regularly visit this page to review the then terms and conditions to which you are bound.

IMPORTANT CONSUMER INFORMATION

This communication is strictly intended for individuals residing in the state of (insert the state(s) in which you have securities registration, insurance license, and, if applicable, are registered a an investment adviser representative). No offers may be made or accepted from any resident outside the specific state(s) referenced.

An insurance agent, registered representative, investment adviser representative, or registered investment advisor may only transact business in a state if appropriately licensed or registered.  Follow-up, individualized responses to a person in a state by such a firm or individual will not be made without first complying with appropriate licensing or registration requirements.

For information concerning licensing status or disciplinary history, consumers should contact their state insurance department or securities law administrator.

JURISDICTIONAL ISSUES

This website is controlled and operated by BLACK RIVER WEALTH MANAGEMENT LTD. from its office(s) within the states of XXX, United States of America.  BLACK RIVER WEALTH MANAGEMENT LTD. makes no representations that materials on http://tomanow.wpengine.com/blackriverltd are appropriate or available for use in any other locations.  Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

BLACK RIVER WEALTH MANAGEMENT LTD. offers insurance and related products.  BLACK RIVER WEALTH MANAGEMENT LTD. does not offer securities and does not provide investment advice.  Securities are offered through Newbridge Securities Corporation, Member NASD, SIPC. Investment advice is provided through Newbridge Financial Services Group, Inc.

NOT AN OFFER TO SELL OR A SOLICITATION TO BUY

The information contained on this website is not an offer to sell or a solicitation to buy any security or insurance product.  No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance, securities, or other laws of the jurisdiction.  Some insurance or securities products (or their underlying funds) may not be available in all jurisdictions and are generally not available for purchase outside of the United States of America.  In addition, any mutual funds, variable insurance products, or variable annuity contracts referred to on this web site may be offered and sold only to persons in the United States of America. These products are distributed by Newbridge Securities Corporation, whose principal business address is 5200 Town Center Cir, Boca Raton, FL 33486.

DISCLAIMER

The materials on this website, http://tomanow.wpengine.com/blackriverltd, are provided “AS IS” and without warranties of any kind, either expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.  BLACK RIVER WEALTH MANAGEMENT LTD. does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components.  BLACK RIVER WEALTH MANAGEMENT LTD. does not warrant or make any representations regarding the use or results of the use of materials on this website in terms of their correctness, accuracy, reliability, or otherwise.  You (and not BLACK RIVER WEALTH MANAGEMENT LTD.) assume the entire cost of all necessary servicing, repair, or correction.  Links to other sites can be accessed through this site. Such external Internet addresses contain information created, published, maintained, or otherwise posted by organizations independent and not under control of BLACK RIVER WEALTH MANAGEMENT LTD.  BLACK RIVER WEALTH MANAGEMENT LTD. does not endorse, approve, or certify any information, product, or service referenced or provided at such addresses.  The material on this website is provided for informational purposes only and is not intended and should not be construed as legal, tax, or other professional advice.  It is not a substitute for obtaining legal, tax, or other professional advice from competent, independent adviser in your jurisdiction.

LIMITATION OF LIABILITY

While BLACK RIVER WEALTH MANAGEMENT LTD. uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions may occur.  BLACK RIVER WEALTH MANAGEMENT LTD. makes no warranties or representations as to the accuracy of the material on this website.  Under no circumstances, including, but not limited to, negligence by act or omission, shall BLACK RIVER WEALTH MANAGEMENT LTD. or any party involved in creating, producing, or delivering this website be liable for any direct, incidental, consequential, indirect, or punitive damages that result from use of, or the inability to use, the materials on this website, even if BLACK RIVER WEALTH MANAGEMENT LTD. or a BLACK RIVER WEALTH MANAGEMENT LTD. authorized representative has been advised of the possibility of such damages.  Applicable law may not allow the limitation or

exclusion of liability of incidental or consequential damages, so the above limitation or exclusion may not apply to you.  In no event shall BLACK RIVER WEALTH MANAGEMENT LTD.’S total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing this website.  BLACK RIVER WEALTH MANAGEMENT LTD. assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in this website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This site is owned and operated by BLACK RIVER WEALTH MANAGEMENT LTD.  Permission is granted to display and navigate around this website with a computer using HTML browser software, solely for personal, non-commercial use.  Any commercial or public use of this website or any portion hereof is strictly prohibited.  Except as otherwise permitted by BLACK RIVER WEALTH MANAGEMENT LTD., no materials from http://tomanow.wpengine.com/blackriverltd or any other website owned, operated, licensed, or controlled by BLACK RIVER WEALTH MANAGEMENT LTD. may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way.  You may download material displayed on this website for non-commercial, personal use only provided you also retain all copyright and proprietary notices contained on materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video, without BLACK RIVER WEALTH MANAGEMENT LTD.’s written permission. BLACK RIVER WEALTH MANAGEMENT LTD. neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties not owned by or affiliated with BLACK RIVER WEALTH MANAGEMENT LTD.

TRADEMARKS/SERVICE MARKS AND COPYRIGHTS

Images displayed on this website are either the property of, or used with permission by, BLACK RIVER WEALTH MANAGEMENT LTD.  The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted herein.  Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.  All trademarks, service marks, trade Black River Wealth Management Ltd.s, logos, and icons used by BLACK RIVER WEALTH MANAGEMENT LTD. or any BLACK RIVER WEALTH MANAGEMENT LTD. affiliated company are proprietary to BLACK RIVER WEALTH MANAGEMENT LTD. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade mark or service mark displayed on this website without the written permission of BLACK RIVER WEALTH MANAGEMENT LTD. or such third party that may own the trademarks or service marks displayed on this website.  Your use of the trademarks or service marks displayed on this website, or any other content on this website, except as provided herein, or any other content on this website, except as provided herein, is strictly prohibited. Inquiries concerning use of BLACK RIVER WEALTH MANAGEMENT LTD. trademarks, service marks, trade Black River Wealth Management Ltd’s, logos, icons, copyrights, or other intellectual property should be addressed to BLACK RIVER WEALTH MANAGEMENT LTD., 15 CATTANO AVE. MORRISTOWN, NJ 07960, United States of America.  Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comment, or suggestions, will not be treated as confidential nor as proprietary and will become the property of BLACK RIVER WEALTH MANAGEMENT LTD. or its affiliates.  Such communications or material shall be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast, and posting.  Furthermore, BLACK RIVER WEALTH MANAGEMENT LTD. is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this website for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARK/SERVICE MARK NOTICES

All trademarks, service marks, trade names and logos used by BLACK RIVER WEALTH MANAGEMENT LTD. or its subsidiaries are registered trademarks or service marks of BLACK RIVER WEALTH MANAGEMENT LTD.  We are very protective of our trademarks and service marks. All use of these marks must be with our permission.  We will file appropriate legal actions to enjoin the unauthorized use of these marks.  Under the law, we may be entitled to collect your profits, our actual damages, and, perhaps, even our attorneys’ fees.  We thank you for your cooperation.

PRIVACY AND CONFIDENTIALITY

BLACK RIVER WEALTH MANAGEMENT LTD. shall exercise reasonable precautions to maintain the confidentiality of all information provided by you in connection with accessing this site. Because such information can be accessed through the Internet, no assurance can be given to you that this information will remain secure. BLACK RIVER WEALTH MANAGEMENT LTD. may, at times, disclose such information to its employees, representatives, officers, agents, or affiliates, as well as any government entity, in the conduct of its business, in order to comply with applicable rules, orders, subpoenas, or other legal processes, or in order to provide information to any government agency or official requesting such information, or for any other legitimate business purpose.  This site does not collect personally identifying information about individuals except when specifically and knowingly provided by such individuals.