Terms of Use

Website Terms of Use/Legal


Last Modified: January 01, 2020


Acceptance of the Terms of Use

Welcome to www.stowcapital.com (the "Site").
You agree to use the Site only for lawful purposes.
You agree to seek independent advice or counsel and to use your independent judgement, caution and common sense prior to using any information or materials offered by or obtained from the Site.
You agree to bear the risks of any reliance or use of the Materials offered by the Site or by a third party. The Materials are for informational purposes and are not represented to be complete, accurate, valid, timely, or error free.

Content

Stow Capital LLC makes no representations about the suitability of the content of this site for any purpose.
All content is provided "as is" without any warranty of any kind.
Stow Capital LLC has not made and does not make any warranty of any kind whatsoever, expressed or implied, with respect to the contents of this site, implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose are hereby disclaimed by Stow Capital LLC. Stow Capital LLC will not be liable to anyone with respect to any damages, loss, or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Stow Capital LLC be liable for any special, indirect, exemplary, or consequential damages or any damages whatsoever, including but not limited to loss of use, data, profits without regard to the form of any action including, but not limited to contract or negligence or other tortuous actions, arising out of or in connection with the use, copying, or display of the content.
While Stow Capital LLC believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors, and Stow Capital LLC does not warrant that the information is accurate or complete or current. It your responsibility to verify any information before relying on it. At any time, Stow Capital LLC may make changes in the products and/or services described herein, however, Stow Capital LLC makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.
Any case studies on this website are representations only and may be fictitious. The subjects, terms, and conditions of the case studies are not intended to imply actual people and/or situations.
Stow Capital LLC does not warrant or represent that this site is compatible with your equipment or is free of errors, viruses, or worms and is not liable for any damage you may suffer as a result of such restrictive features.

User Submissions

The Site may provide a passive forum for you to obtain information from and about Stow Capital LLC.
By submitting and entering your information to the site ("Submitted Information"), you agree that you grant Stow Capital LLC a perpetual, non-exclusive, irrevocable, royalty free, worldwide license and right, but not the obligation to use, copy, modify, display, distribute, download, store, reproduce, transmit, publish, transfer, adapt, create derivative works in any manner, in their entirety or a portion of, your Submitted Information, and by any means, forever and worldwide.

License

All materials displayed or made available on the Site are the exclusive property of Stow Capital LLC or its content suppliers. All trademarks, service marks, and logos (the "Marks") displayed on the Site are the exclusive property of Stow Capital LLC and/or their respective owners. You shall not use the the marks in any manner without Stow Capital LLC and/or their respective owners prior written consent.

Links to Third Party

The Site may link to third party sites via links, hyperlinks, or buttons. The liked sites are not controlled or monitored by Stow Capital LLC. Stow Capital LLC is not responsible for any information, materials or content posted on the linked sites. We include the linked sites solely for your convenience. You are solely responsible for your access of the linked sites. Please use your own judgement and common sense in using the linked sites.

Consumer Privacy Notice

High Risk Insurance / Financial Analysis:

Stow Capital LLC maintains the confidentiality of the information it receives from its clients. The following Privacy Notice explains Stow Capital LLC policy regarding non-public personal information that is collected by Stow Capital LLC in the course of placing insurance or evaluating a group 401K or 403B plan on behalf of its clients.
Stow Capital LLC may disclose all or part of a client's personal financial information as permitted by law to non-affiliated third parties solely for the purposes of servicing or processing and insurance product or service that the consumer requests or authorizes, or to solicit insurance quotations on behalf of a consumer.
Stow Capital LLC maintains physical, electronic and procedural safeguards that comply with federal and state regulations to guard non-public personal financial information.
Stow Capital LLC may obtain for its own internal use only, personal, non-public information such as name, address, assets, date of birth, driver license or similar information.
Stow Capital LLC disclose all or part of a client's personal financial information to other third party trusted advisor's engaged to do business with the same client, such as CPA's, TPA's, financial advisors, attorneys, wealth managers, or others in similar capacities.

Certified Fraud Examiner:

The responsibility for the prevention of fraud lies with an organizations management or other such appropriate authority. Once evidence of fraud is found, the Fraud Examiner is expected to actively pursue and recommend appropriate policies and procedures to resolve the issue and prevent future similar incidents. Law enforcement may become involved. In such an event, Stow Capital LLC fully cooperates with local and/or federal law enforcement agencies for requests for information.

Fees/Commission

Stow Capital LLC receives fees and/or commissions for the placement of insurance coverages or acting in the capacity of consultant, a fraud examiner or analyst. These are fully disclosed and negotiated at time of engagement. Stow Capital LLC may also pay finder fees or revenue share with third parties.

Termination

Stow Capital LLC has the right, in its sole discretion to terminate any services of the Site and remove any Materials from the Site. Stow Capital LLC. may also terminate your access to any part or all of the services on the Site at any time, with or without prior cause or notice, for any or all reason. Stow Capital LLC shall not be responsible for maintaining or returning your Submitted Information.

General

This notice is governed by the laws of the State of Connecticut, United States of America. Stow Capital LLC does not warrant that the information on this site will be lawful outside of the United States. If you view, access, submit or download materials to and from the Site outside the United States, you are solely responsible for all your actions and assume all risks.
For additional information about this Site or this Notice please contact Technical Support at administrator@stowcapital.com

STOW CAPITAL LLC

25 Old Kings Hwy N., Suite 13, #181
Darien, CT 06820
contact@stowcapital.com