Terms and Conditions
By using this website, you acknowledge that you have read and understood, and you hereby consent to, the following terms and conditions without limitation or qualification. Please read these terms and conditions carefully before using this website. By accessing any page on this website, you agree to be bound by these terms and conditions. If you do not agree to these terms, do not use this website. Convergent Wealth Advisors (“Convergent”) may revise or amend these terms and conditions by updating this posting, at any time without notice to you. Your continued use of this website following any such changes will mean that you accept and agree to such changes, accordingly you should periodically visit this page.
Convergent files form ADV Part I with the SEC annually and its form ADV part II and Schedule F are available upon request at any time.
CONTENT OF SITE
The information provided on this website is provided for informational purposes only.
While Convergent seeks to provide accurate and up-to-date information, no warranty is given as to the accuracy or completeness of any information, and no liability is accepted for any errors or omissions in such information. Convergent reserves the right to change, revise, update or otherwise modify the information at any time, without notice to you.
Nothing contained in Convergent’s website constitutes legal, tax, investment or any other advice.
Neither the information nor any opinion contained in this website constitutes a solicitation or offer by Convergent or its affiliates to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.
All information posted on this website is current only as of the date of its posting and Convergent undertakes no obligation to update any information to reflect events or circumstances after the date of such posting.
All materials on this website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions, disclosures, or hedge clauses which may apply to any partial material in the same manner as they do to the whole. All such information will be deemed incorporated in the portion of any material or document that you consult or download.
LIMITATIONS OF WARRANTIES AND LIABILITY
The information provided on this website is “AS IS” in all respects.
The information provided on this website is provided without warranties of any kind, expressed, implied or otherwise, and Convergent disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Convergent does not warrant, either expressly or impliedly, the accuracy, timeliness or completeness of the information, text, graphics, links or other items or information contained on this website, or the results to be obtained from using this website or the information and material available on this website. There is no representation or warranty that the website will meet any user’s requirements, be uninterrupted, timely, secure or error-free. References to corporations, information providers, their services and products, are provided “as is” without warranty of any kind, either expressed or implied. Descriptions of, or references to, products, services or publications within this website are provided for general information purposes only and do not imply endorsement approval of that product, service or publication.
Convergent expressly disclaims all liability for, and shall not be liable on any theory of liability arising out of or in connection with, errors and omissions in the information and materials contained on this website, the use or interpretation by others of the information and materials contained on the website, the loss or use of data ,any failure or interruption of this website, any act or omission of any other party involved in making this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of this website or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Convergent or of any vendor providing software or support services for this website, and even if Convergent or any other party have been advised of the possibility thereof. Neither Convergent nor any of its affiliates, directors, officers or employees, nor any third party vendor retained by Convergent, will be liable or have any responsibility of any kind for any loss or damage whatsoever that you incur, including any direct, special, indirect, consequential, incidental, or any other damages of any kind (including, but not limited to, lost profits, goodwill, trading losses and damages), relating to any such claims.
Decisions based on information contained on Convergent’s website are the sole responsibility of the user, and in exchange for using Convergent’s website, you agree to hold Convergent harmless from and against any claims for damages arising from any decisions that you may make based on such information.
RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by Convergent. Permission is granted to display and navigate this website with a computer using HTML bowser software, solely for personal, non-commercial use. Any commercial or public use of this website or any portion hereof is strictly prohibited.
You may download material displayed on this website for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. The information and materials from this website, including any text, images, audio or video, may not otherwise be modified, copied, reproduced, republished, uploaded, posted, transmitted, displayed, downloaded, licensed, modified, disseminated, sold, published, broadcast, circulated, used to create a derivative work, distributed or otherwise used in any way, without the express written consent of Convergent. Modification or use of the materials for any other purpose violates Convergent’s intellectual property rights.
Convergent neither warrants nor represents that your use of materials displayed on this website will not infringe on the rights of third parties not owned by or affiliated with Convergent.
You may not use or export the materials on this website in violation of U.S. export laws and regulations.
The information provided on this website is 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 Convergent or its affiliates to any registration requirement within such jurisdiction or country.
ELECTRONIC MAIL; EMPLOYMENT APPLICATIONS
Electronic mail (email) submitted to this website should be considered neither secure nor confidential. Convergent makes no representation whatsoever concerning the security or confidentiality of your email messages and specifically makes no representation that any email message submitted through this website will be received by Convergent.
Any communications or material you transmit to this website by electronic mail or otherwise, including data, questions, comments or suggestions, will be treated as nonconfidential and nonproprietary and will become the property of Convergent or its affiliates. Convergent shall have the right to use any such communications or material for any purpose, including but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, Convergent 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.
If you chose to submit personally identifiable information – your name, address, date of birth, marital status, salary, performance reviews, etc. – to Convergent via this website for the purpose of applying for a job, you will do so on a website that is hosted and maintained in the United States. Any information you provide may be used by Convergent or its agents for the purpose of reviewing your application and determining whether you should be offered an interview or job by Convergent.
In addition, the information you provide may be used by Convergent or its agents to carry out background checks on you in connection with your application. This use and disclosure of personal data may involve the transfer of personal data to countries outside the United States or your country of residence. It is the policy of Convergent to make every commercially reasonable effort to ensure that the information that is recorded and retained is accurate and relevant and that it is stored and managed in a secure environment.
You have the right at any time to return to the website to review the personal data provided by you and to make any necessary corrections or changes to that data. It is your responsibility to make any necessary changes to your personal data so that accurate records can be maintained. Examples of changes include change of name, address, phone number, marital status, number of dependents or educational qualifications. Even if we determine that Convergent has no appropriate positions for you at the time of your applications, we will retain your personal data for the minimum period required by law.
TRADEMARKS AND COPYRIGHTS
Convergent owns and operates this website and its contents, including all information, graphics, code, text and design. All trademarks, service marks, trade names, and logos displayed on this website are proprietary to Convergent, except as explicitly noted below under Ownership of Other Materials.
Nothing contained on the website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trademark displayed on this website without the written permission of Convergent or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, except as provided herein, is strictly prohibited.
Images displayed on this website are either the property of, or used with permission by, Convergent. 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.
If you download any information or software from this website, you agree that you will not copy it or remove or obscure any copyright or other notices or legends contained in any such information.
USE OF LINKS
This website may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by Convergent of the content on such third-party websites.
Should you leave this website via a link contained herein, and view content that is not provided by Convergent, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by Convergent.
Convergent 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 website, whether actual, direct, special, indirect, incidental, consequential, punitive, or otherwise.
Convergent makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.
Certain information provided through this website has been filed with the Securities and Exchange Commission (“SEC”) (such materials being referred to as “SEC Materials”). Convergent does not assume any duty of disclosure beyond that which is imposed by law and expressly disclaims any duty to update any information set forth in the SEC Materials. Individual statements appearing in the SEC Materials are intended to be read in conjunction with and in the context of the complete SEC Materials in which they appear, rather than as stand-alone statements.
Certain statements included in both the SEC Materials and other public disclosures contained on this website are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements are subject to risks, uncertainties, and other factors that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. The most significant of such factors include the performance of financial markets, the investment performance of Convergent’s sponsored investment products and separately managed accounts, general economic conditions, competitive conditions and government regulations, including changes in tax rates. You are cautioned to consider carefully such factors.
Further such forward-looking statements speak only as of the date on which such statements are made. Convergent undertakes no obligation to update any forward-looking statements to reflect events or circumstances after the date of such statements.
This website may contain information about the past successes and business of Convergent. Past performance by Convergent or others does not guarantee future performance by Convergent or others.
OWNERSHIP OF OTHER MATERIALS
Adobe®, Acrobat®, Acrobat® Reader, and the Acrobat logo are trademarks of Adobe Systems Incorporated.
Microsoft® and Internet Explorer® are trademarks of Microsoft Corporation.
Netscape Navigator® is a trademark of Netscape Communications.
Standard & Poor’s®, S&P®, Standard & Poor’s 500® and S&P 500® are trademarks of The McGraw-Hill Companies, Inc.
Sector and Industry classifications included in this website utilize the Global Industry Classifications Standard (“GICS®”). GICS® is the exclusive property and a service mark of Morgan Stanley Capital international Inc. (“MSCI”) and Standard & Poor’s (“S&P”), a division of The McGraw-Hill Companies, Inc. Neither MSCI nor S&P makes any express or implied warranties or representations and neither shall have any liability for any direct, indirect, special, punitive, consequential, incidential or any other damages (including lost profits) with respect to GICS® data or results obtained therefrom.
Convergent Wealth Advisors is a majority owned subsidiary of Convergent Capital Management, a wholly owned subsidiary of City National Corporation (NYSE:CYN), the parent company of City National Bank (the “Bank”). Securities (including shares of mutual funds), alternative investments, and other investment products are not bank deposits and are not insured by the FDIC or any other agency of the Untied States, nor are they obligations of, or insured or guaranteed by, Convergent or any of its affiliates. Securities (including shares of mutual funds) and other investments involve investment risks, including the possible loss of value.
The investment products and investment advisor services provided by Convergent are:
Not FDIC Insured.
Not deposits or other obligations of the Bank.
Not guaranteed by the Bank.
Subject to investment risk, including possible loss of the principal amount invested.
This website is controlled and operated by Convergent from its offices within the State of Maryland, United States of America. Convergent makes no representation that materials on the website are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with applicable local laws.
USA PATRIOT ACT
In response to the terrorist attacks on September 11, 2001, the US Congress passed the USA Patriot Act (the “Act). Parts of the Act apply to the financial services industry and require certain financial institutions to request specific information from clients. The Act imposes a series of new anti-money-laundering requirements on brokerage firms and other financial institutions. Convergent has had a vigorous money-laundering prevention program in place for years. In accordance with the Act, we have undertaken additional efforts to further enhance these existing policies and procedures.
Under the Act and other regulations, financial services firms must establish a compliance program, which includes policies and procedures to detect and repot suspicious transactions to the government, as well as ensure compliance with the new laws. Firms must also implement specialized employee training programs, designate a special compliance officer and conduct independent audits of the effectiveness of the compliance program.
Federal law requires financial services firms to obtain, verify and record information that identifies the clients with whom they do business, determine the source of funds in a client’s account and obtain information about a client’s wealth.
As part of our compliance with Federal law, and in support of the fight against money laundering around the world, we will ask for our clients’ name, address, date of birth (as applicable), and other identification information. As appropriate, we may, in our discretion, ask clients for additional information and documentation about certain accounts and transactions. This information may be used to verify client identity.
INTEGRATION AND SEVERABILITY