(Last updated September 8, 2016)

No Individualized Investment Advice; Not a Solicitation or Offer to Sell or Buy Securities

THIS WEBSITE (“THE SITE”) DOES NOT CONTAIN INVESTMENT ADVICE THAT IS INDIVIDUALIZED FOR THE NEEDS, GOALS OR OBJECTIVES OF ANY PERSON; NOR DOES IT CONSTITUTE AN OFFER OR SOLICITATION FOR THE PURCHASE OR SALE OF ANY SECURITY.

The mpmwealth.com website (including all of its webpages, collectively, the “Site”) is published by MPM Wealth Advisors, Inc. (“MPM”). The Site does not make any claim as to the suitability of any investment or investment strategy for any person or and does not claim any investment or investment strategy will prove profitable. Securities prices fluctuate and may lose value. Results of an investment made today may differ substantially from historical results due to changing economic or market conditions. Past performance is no guarantee of future results. Always seek the advice of an investment professional before making any investment decision. This Site does not consider the specific needs of any person, and for that reason, does not consider individual legal, tax, accounting, or other significant issues that would be important regarding the needs or circumstances for any person. Please consult your legal, tax, and financial professionals with respect to your particular needs and circumstances.

Disclaimer

MPM disclaims any responsibility to update such information included in the Site from time to time. MPM, its affiliates and third-party providers are not responsible for any errors or omissions in the information contained in or accessed through this Site. All such information in this Site is provided on a “when made,” “as is,” and “as available” basis. Information in the Site speaks as of various dates that are indicated on the webpages or articles within the Site (or which is sometimes not specifically stated). Although MPM is not currently aware of material errors in the information used to prepare, or in the content presented in, the Site, it does not guarantee such information or content is accurate or complete, and disclaims any responsibility to update or correct any such information or content, or to advise any person of any material errors discovered in, changes in, updates to, or revisions of any such information or content.

MPM, its affiliates and third-party providers make no warranties or representations and disclaim all express, implied and statutory warranties of any kind to the user and any third party, including, but not limited to, any warranties of accuracy, timeliness, completeness, merchantability, non-infringement and fitness for any particular purpose. Except for claims that cannot be excluded by the applicable law, MPM, its affiliates and third-party providers shall not have any liability, including but not limited to, tort, contract or any other liability to user or any third-party arising as a result of use of or access to this Site. MPM makes no warranty that:

  • This site will meet any person’s requirements;
  • This site will be uninterrupted, timely, secure, or free of viruses, errors, omissions, or other harmful components;
  • The results that may be obtained from the use of this site will be free of errors;
  • The quality of any information or other materials obtained through the Site will meet any person’s expectations;
  • Any errors or omissions on the Site will be corrected, even if known;
  • The data and materials presented or displayed on this site are correct, complete, accurate, or reliable.

MPM, its affiliates or third-party providers shall not be liable to user or any third party for lost profits or lost opportunity, direct, indirect, special, consequential, incidental or punitive damages whatsoever, even if MPM, its affiliates or third-party providers have been advised of the possibility of such damages.

Some jurisdictions do not allow for the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be applicable laws which supersede the above. Any clause of this disclaimer declared invalid by the appropriate authority in each jurisdiction shall be deemed severable and shall not affect the validity or enforceability of the remainder of this disclaimer.

Governing Law, Venue, and Jurisdiction

This Disclaimer is governed by the laws of the State of Ohio, without giving effect to principles of conflict of laws. MPM reserves the right to amend any of the notices, disclosures, or disclaimers contained in this Disclaimer or in this Site at its discretion at any time without notice.

This Disclaimer and any dispute, disagreement, or issue of construction or interpretation arising hereunder whether relating to its validity, or the rights or obligations of MPM or any user or any third party shall be governed or interpreted according to the laws of the State of Ohio.  Any action, suit or proceeding, whether in law or equity, arising out of, under or in connection with this Disclaimer or any user’s or any third party’s rights or obligations shall be brought and determined in the appropriate federal or state court in the State of Ohio  and in no other forum. Each user of the Site hereby irrevocably and unconditionally submits to the personal jurisdiction of such courts and agrees to take any and all future action necessary to submit to the jurisdiction of such courts in any such suit, action or proceeding arising out of or relating to this Agreement.

Use of Links

This Site contains links to various third-party websites. Links to non-MPM websites are provided for convenience only and are accessed at the user’s own risk. Should the user leave this Site via a link contained on this Site, the user does so at its own risk. MPM is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive. The content to which this Site links will not have been developed, checked for accuracy, or subject to the review process used for content on this Site. MPM is not responsible for the collection, use or security of information by companies or organizations outside of MPM that are linked to this Site. The information available on those websites has been produced by unaffiliated third parties and MPM does not guarantee its timeliness, sequence, accuracy, adequacy or completeness and make no warranties with respect to results to be obtained from its use. Any opinions or recommendations expressed therein are solely those of the third-party providers and are not the opinions or recommendations of MPM. MPM DOES NOT ENDORSE third-party products, services or information expressed or implied by any information, material or content referred to or included on, or linked from or to this Site. Under no circumstances should the information be construed as an offer to sell or solicitation of an offer to buy a particular security. Users are encouraged to read the privacy policies of websites reached through the use of links from this Site.

MPM IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN THE INFORMATION, ANY PRODUCTS OR SERVICES, OR ANY MALWARE OR VIRUSES, CONTAINED ON, OFFERED, ACCESSED, OR RECEIVED THROUGH ANY THIRD-PARTY WEBSITE WHICH EITHER MAY BE ACCESSED THROUGH A LINK ON THIS SITE, OR WHICH ALLOWED YOU TO ACCESS THIS SITE THROUGH A LINK ON SUCH THIRD-PARTY SITE.

Copyright Notices

The works of authorship contained in the Site, including but not limited to all design, text, sound recordings, and images are owned, except as otherwise expressly stated, by MPM, and may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, uploaded, posted, framed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without MPM’s prior written consent, except to the extent that such use constitutes “fair use” under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then only with prominent notices of MPM’s proprietary rights. Additionally, you may keep one temporary copy in a single computer’s memory and one unaltered permanent copy to be used for your personal and non-commercial use, and you must retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, or post any content for public or commercial purposes. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such content.

You may link to the Site, provided that (a) the appearance, position and other aspects of the link do not damage or dilute the goodwill associated with MPM’s name and trademarks, (b) the link and/or website that is being linked does not violate MPM’s or any third party’s intellectual property rights, (c) no aspect of the link, including the appearance and position of the link, create the appearance that an entity is associated with or sponsored by MPM when association or sponsorship does not exist, and (d) the link, when activated by a user, displays the Site web page in its entirety and not within a “frame” on the linked website. MPM reserves the right to revoke its consent to the link at any time in its sole discretion without prior notice.

Online Privacy Policies

Safeguarding personal and financial information is increasingly challenging. That’s why we make it a priority and provide you with access to the information you need to protect yourself and to help keep your information secure. MPM has adopted Privacy Policies which are found in its Online Privacy Notice. Please refer to the Online Privacy Notice for important information about how the information we collect about the users of the Site, through the use of “cookies” and other technologies, and how we use that information.

Online Privacy Notice

(Last updated September 8, 2016)

Safeguarding personal and financial information is increasingly challenging. That’s why we make it a priority and provide you with access to the information you need to protect yourself and to help keep your information secure.

This Online Privacy Notice (Notice) applies to the mpmwealth.com website (including all webpages, collectively, the “Site”). The term “MPM” or “we” or “us” or “our” in this Notice refers to MPM Wealth Advisors, Inc. This Notice describes how the Site may collect, use and share information from or about you and explains how information may be collected and used. We will use and share any information that we collect from or about you in accordance with this Online Privacy Notice.

Collecting Information About You Online

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers. We do not collect personally identifiable information about you through the Site.

We do, however, collect “Other Information” about you through the Site. Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, but which is aggregated and de-identified data so as not to be personally identifiable.

How We Collect and Use Other Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

Information Collected Through Browser or Device

Certain Other Information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.

Information Collected Through Cookies

Cookies are pieces of information stored directly on the device you are using.  Cookies we use do not contain or capture unencrypted Personal Information.  Cookies allow us to collect Other Information, such as browser type, time spent on the Site, pages visited, language preferences, and your relationship with us.  We use the Other Information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services.  We collect statistical Other Information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site and to assist us with resolving questions regarding the Site.

You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies.  You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services.  For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on.

Information Collected Through Other Technologies (Pixel Tags, Web Beacons, and Clear GIFs)

Information may be collected through these technologies in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, to personalize/tailor your experience while engaging with us online and offline, for fraud detection and prevention, for security purposes, and to assist us in resolving account holders’ questions regarding use of our Site.

Flash objects

As part of our solutions for online authentication, we may choose to use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we may use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content.  We do not use Flash objects for any online behavioral advertising purpose.  Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to disable Flash objects from our Site, then you may not be able to access and use all or part of the Site or benefit from the information and services offered.

IP Address

Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP).  An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited.  Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites.  We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, to personalize/tailor your experience while engaging with us online and offline, for compliance and security purposes, and administering the Site.

Aggregated and De-identified Data

Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, or analyzing market trends, and other purposes consistent with applicable laws.

Additional Information

Third-party widgets – we may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review information at the third-party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.

Linking to other sites

We provide links to third-party sites. If you follow links to sites not affiliated or controlled by MPM, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. MPM does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness or reliability of their information. See our Use of Links section in our Notices, Disclosures & Disclaimers page for further important information regarding other sites for which we provide links on this Site or which provide links to our Site.

Social media sites

MPM provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official MPM managed social media pages, such as pictures, information, opinions or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official MPM social media pages, you are also subject to MPM’s Privacy Notices.

Security

To protect Personal Information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure.

Updates to this Privacy Notice

This Online Privacy Notice is subject to change. Please review it periodically. If we make changes to the Online Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.