Terms & Conditions

Please read these terms and conditions of use (“Terms and Conditions of Use” or the “Agreement”) carefully before using this website (www.Bruderman.com, together with its content and any sub-websites are hereinafter referred to as the “Site”). By accessing the Site you are indicating that you have read, acknowledge, and agree to be bound by these Terms and Conditions of Use. Your use of the Site indicates that you have accepted the Agreement, and that the Agreement is as legally binding as if you had signed a written document. If you do not agree to all these Terms and Conditions of Use, do not access this Site.

Bruderman & Co., LLC and its affiliates (collectively and individually herein referred to as “Bruderman”, “Us” or “We”) may change these Terms and Conditions of Use, and you are responsible for regularly reviewing and complying with the same. Your continued use of this Site constitutes your agreement to the Terms and Conditions of Use.

PLEASE NOTE THAT THIS AGREEMENT CONTAINS IMPORTANT SECTIONS BELOW, INCLUDING A PROVISION REQUIRING YOU TO LITIGATE IN NEW YORK, NY ALL DISPUTES RELATING TO YOUR USE OF THIS SITE.

LIMITED LICENSE

Bruderman provides the Site for your informational purposes only. Subject to these Terms and Conditions of Use, Bruderman grants you a revocable, non-exclusive, non-transferable, limited right to display the Site and download any material displayed on the Site (the “Materials”) solely to view general information regarding the business of Bruderman and its affiliates and/or for your personal noncommercial use. This right does not include the right to reproduce, modify, make collections or compilations of, distribute, or publicly display the Site or the Materials. You are not permitted to resell or transfer any information obtained from this Site to anyone else. You may not transfer the Materials to any other person or entity. You must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained on the Site or in the Materials. We may terminate your access to the Site or any part of it at any time with or without notice, in our sole discretion, at which time you must destroy or delete all copies of the Materials.

You agree not to interrupt or attempt to interrupt the operation of the Site in any way.

REGULATION

Bruderman Brothers, LLC is a broker-dealer registered with the U.S. Securities and Exchange Commission (SEC).  It is a member of the Financial Industry Regulatory Authority (FINRA) and of the Security Investor Protection Corporation (SIPC).

DISCLAIMERS OF WARRANTY

THE INFORMATION, PRODUCTS AND SERVICES ON THE SITE ARE PROVIDED ON AN “AS IS,” “WHERE IS” AND “WHERE AVAILABLE” BASIS AND ARE USED ONLY AT YOUR SOLE RISK. WE AND OUR AFFILIATES, AGENTS, AND LICENSORS EXPRESSLY DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SECURITY, TITLE, NON-INFRINGEMENT, OF ERROR-FREE OR UNINTERRUPTED SERVICES, OR THAT THE INFORMATION ON THIS SITE WILL MEET YOUR NEEDS OR EXPECTATIONS. WE DO NOT WARRANT, GUARANTY, OR MAKE ANY REPRESENTATIONS WHATSOEVER, EXPRESS OR IMPLIED, OR ASSUME ANY LIABILITY TO YOU, INCLUDING REGARDING (I) THE USE OF OR THE RESULTS OF ACCESS TO THE SITE OR ANY DELAY OR LOSS OF OR LIMIT ON ACCESS TO OR USE OF THE SITE, OR (II) SYSTEM PERFORMANCE AND EFFECTS ON OR DAMAGES TO SOFTWARE AND HARDWARE IN CONNECTION WITH ANY USE OF THE SITE. WE SHALL NOT BE LIABLE FOR ANY HARM CAUSED BY THE TRANSMISSION THROUGH THE SITE OF A COMPUTER VIRUS, OR OTHER COMPUTER CODE OR PROGRAMMING DEVICE THAT MIGHT BE USED TO ACCESS, MODIFY, DELETE, DAMAGE, CORRUPT, DEACTIVATE, DISABLE, DISRUPT, OR OTHERWISE IMPEDE IN ANY MANNER THE OPERATION OF THE SITE OR ANY OF YOUR SOFTWARE, HARDWARE, DATA OR PROPERTY. EXCEPT AS OTHERWISE REQUIRED BY LAW, WE SHALL HAVE NO LIABILITY FOR LOSSES CAUSED BY THE NEGLIGENCE, ACTIONS OR FAILURE TO ACT OF ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, YOUR INTERNET ACCESS PROVIDER.

Nothing contained on the Site constitutes financial, legal, tax or other advice, nor is any information or material on the Site to be deemed a recommendation to buy or sell any securities or to be relied upon for the purpose of making or communicating investment or other decisions. Any transactions listed on the Site are included only as representative transactions.

LIMITED OF LIABILITY

BRUDERMAN & CO., LLC AND ITS AFFILIATES, AGENTS, AND LICENSORS SHALL NOT HAVE ANY RESPONSIBILITY WHATSOEVER AND SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR SAVINGS OR OTHER ECONOMIC HARM YOU MAY INCUR OR SUFFER (REGARDLESS OF WHETHER SUCH DAMAGES ARE REASONABLY FORESEEABLE AND REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHERWISE) FROM (I) YOUR ACCESS TO OR USE OF THE SITE OR ANY RELIANCE BY YOU ON THE SITE, OR INABILITY TO ACCESS THE SITE, (II) THE RELIABILITY, ACCURACY, COMPLETENESS OR TIMELINESS THEREOF, (III) ANY DELAYS OR ERRORS IN THE TRANSMISSION OR DELIVERY OF ANY INFORMATION OR ANY PART OF THE SITE, (IV) THE INTERCEPTION OR USE BY THIRD PARTIES OF ANY INFORMATION YOU PROVIDE TO US, OR (V) ANY OTHER REASON.  IN ANY EVENT OUR COMPLETE LIABILITY (AND THAT OF ANY OF OUR AGENTS OR LICENSORS) TO YOU FOR ANY REASON SHALL, IN NO EVENT, CUMULATIVELY TOTAL MORE THAN $500.00. 

PROPRIETARY RIGHTS

All right, title, and interest in and to the Site is the exclusive property of Bruderman, except as otherwise stated. You may not access, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in whole or in part any part of the Site, except for the purposes expressly provided herein, without our prior written approval. If you download any information or software from the Site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

Bruderman Brothers, Bruderman Asset Management, the Bruderman logo, and other Bruderman trademarks are trade names and trademarks of Bruderman & Co., LLC and/or its affiliate(s). The names of other actual companies and third-party products or services that may be mentioned herein are the trade names or trademarks of their owners. You may not use any trademarks for any purpose including, but not limited to, use as metatags on other sites on the World Wide Web without the prior written permission of Bruderman or the third-party which owns the marks.

USE OF LINKS

The Site may contain links to and be linked from third-party web sites. These links are provided only as a convenience and do not imply an affiliation, sponsorship, endorsement, approval, investigation, verification, or monitoring by Bruderman of any information contained in any third-party web site. Bruderman is not responsible for the information contained on any third party site or your use of or inability to use such site. If you choose to connect to a third-party web site, Bruderman makes no warranties, either express or implied, concerning the content of such site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose, nor does Bruderman warrant that such site or content is free from any claims of copyright, trademark, or other infringement of the rights of third parties or that such site or content is devoid of viruses or other contamination. You should also be aware that the terms and conditions of such site and the site’s privacy policy may be different from those applicable to your use of this Site.

NO SOLICITATION

The information on the Site is made available for informational purposes only. None of the information contained on the Site constitutes a solicitation or offer by Bruderman to buy or sell any securities or other financial instruments or provide any investment advice. The information on the Site is limited to the dissemination of general information regarding our services. The information and services provided on the Site are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules, or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where Bruderman is not authorized to provide such information or services. Some services described in the Site may not be available in all jurisdictions or to all clients.

Privacy Policy

This privacy policy (the “Policy”) applies only to information collected at this website. It does not apply to information collected by us, or on our behalf, in person, through the mail, by telephone, or any other means. This policy is effective as of October 1, 2015.

By using our site, you consent to the terms of our Policy and to our use of your Personal Information (as hereinafter defined).

INTRODUCTION & PERSONAL INFORMATION

Bruderman & Co., LLC and its affiliated companies (collectively and individually herein referred to as, “Bruderman”, “Us” or “We”) respect your online privacy and recognize your need for appropriate protection and management of your personally identifiable information (“Personal Information”) that we may acquire in your use of our site. We may collect Personal Information from you; if we do, you will be expressly asked for it so that you know what information you are providing. We also collect non-personal information, described below.

NON-PERSONAL INFORMATION

We may use reporting technologies on our site to record non-personal information such as internet domain and host names, internet protocol (IP) addresses, the page you request, your browser software and operating system types, clickstream patterns, and dates and times that our site is accessed. We analyze this information for trends and statistics. Our use of tracking technologies allows us to improve our site, helps us understand the demographics of our user base, and suggests the sorts of announcements you are likely to have an interest in.

Our site may utilize “cookies.” A “cookie” is a small text file placed on your computer’s hard drive that allows our site to recognize you as a prior user, determine which pages you have previously seen, and so on. We also may use cookies to deliver content to you that you might be particularly interested in. We cannot determine your identity from our use of cookies. We may store the information collected through cookies in our databases. You may be able to configure your browser to notify you if you receive a cookie, to block cookies, or to remove cookies from your computer. However if you do so, it may be more difficult for you to navigate our site.

These technologies are not designed to identify you. It may be possible to identify you and your online actions through the use of cookies and IP addresses, but only in conjunction with Personal Information you have voluntarily provided to us.

PROTECTION OF PERSONAL INFORMATION

We restrict access to the Personal Information we have collected from or about you, as described above, to those employees who need to know the information to provide services to you. We maintain physical, electronic and procedural safeguards to guard your Personal Information.

Despite our use of commercially reasonable efforts to protect your Personal Information from unauthorized access or disclosure, the internet is not an inherently secure environment and so we cannot guarantee the security of your Personal Information. We assume no liability for any disclosure of data due to errors in transmission, unauthorized third party access or other acts of third parties, or acts or omissions beyond our reasonable control.

USE OF PERSONAL INFORMATION

We may collect Personal Information when you sign up to receive newsletters that we may publish from time to time, request information regarding an event we may sponsor, or otherwise as needed to fulfill your requests for information and services, and to contact you. When we collect this information, you will know it because you will need to submit this information to us in order to receive the information or service you requested. We use Personal Information primarily for our own internal purposes, such as evaluating what aspects of the site need improvement, fulfilling your requests for information or services, and communicating with you.

We also use Personal Information for our direct marketing purposes, and we will use the information to send you announcements and invitations in which we think you may have interest. You can always opt out of these marketing uses by telling us not to send the materials to you when you provide the Personal Information, or by asking us to remove you from those mailing lists. This is normally done by clicking on the appropriate link in those mailings. You can also contact us at info@bruderman.com. We cannot delete all the Personal Information that you provide to us, even if you ask us to do so.

If you choose not to provide us with the Personal Information that we request, you can still visit most of our site, but you may be unable to obtain certain information or services that we offer.