Introduction

Please read these terms and conditions (“Terms and Conditions”) carefully. By accessing, visiting, or otherwise using this website in any way, you agree that you have read, understand, and agree to be bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, please do not access this website or any of its pages.

Highland Consulting Associates, Inc. (“Highland Consulting”) is a registered investment adviser with the U.S. Securities and Exchange Commission under the Investment Advisers Act of 1940. Information about Highland Consulting is available at the Investment Adviser Public Disclosure (IAPD) website (http://www.adviserinfo.sec.gov/).

Services

The information on this website is for informational purposes only and should not be construed as financial planning, investment, tax, accounting, legal or other advice or recommendations nor should you rely on any information on this website in making any financial planning, investment, tax, accounting, legal or other decisions. Nothing on this website constitutes an offer or acceptance to provide any services. Highland Consulting can only provide personalized investment and/or planning services after an agreement has been entered into by all parties involved.

Tools and Calculators

The information provided by certain tools and calculators made available on this website may represent forecasts and are for illustrative purposes only and should not be construed as financial planning, investment, tax, accounting, legal or other advice or recommendations nor should you rely on any information provided by such tools and calculators in making any financial planning, investment, tax, accounting, legal or other decisions. Forecasts are based upon the reasonable beliefs of Highland Consulting and are not guarantees, promises, or even estimates of actual returns of performance that may be realized and should not be relied upon. Actual returns may differ materially from forecasts provided. These forecasts are subject to numerous assumptions, risks, and uncertainties, which change over time. The forecasts and underlying data are current as of the date of issuance and Highland Consulting has no duty to update any or all such content. Highland Consulting cannot guarantee the accuracy of the forecasts or underlying data, assure its completeness, or warrant that such information will not be changed.

Asset classes are generally represented by broad based indices, which have been selected because they are well known and are easily recognizable by investors. Indices have limitations because indices have volatility and other material characteristics that may differ from an actual portfolio (e.g. investments in a portfolio may differ significantly in terms of security holdings, industry weightings, and asset allocation from those of the index). Also, indices are unmanaged, are not available for direct investment, and are not subject to management fees, transaction costs or other types of expenses that a portfolio may incur. The cumulative effect of fees and expenses can substantially reduce the growth of the investment. Fees and expenses are only one of several factors that should be considered when making an investment decision.

No investment process is risk free and there is no guarantee of profitability; investors may lose all of their investment. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. The value of the equity securities may fluctuate due to multiple factors including, but not limited to, company specific issues and in response to general market and economic conditions. The value of the fixed income securities may fluctuate due to multiple factors including, but not limited to, the financial condition of individual issuers as well as in response to changes in interest rates and general market and economic conditions. The value of foreign securities and alternative investments are subject to additional risks including, but not limited to, currency risk, political risk, derivative risk, counterparty risk, and liquidity risk.

Links

This website may be hyper-linked to other websites which are not maintained by, or related to, Highland Consulting. Hyper-links to such websites are provided as a service to users and are not sponsored by or affiliated with this website or Highland Consulting. Highland Consulting has not reviewed any or all of such websites and is not responsible for the content of those websites. Highland Consulting is not responsible for webcasting or any other form of transmission received from any hyper-linked website. Hyper-links are to be accessed at the user’s own risk, and Highland Consulting makes no representations or warranties about the content, in terms of accuracy, completeness, reliability, or otherwise of these hyper-links or the websites hyper-linked to this website. Highland Consulting provides hyper-links as a convenience, and the inclusion of any hyper-link to a third-party website does not necessarily imply endorsement by Highland Consulting of that website or any association with its operators.

Copyright and Trademark

The material and content accessible from this website is the proprietary information of Highland Consulting or the party that provided or licensed the content to Highland Consulting, whereby such providing party retains all right, title, and interest in the content. Accordingly, the content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Highland Consulting, except that you may print out a copy of the content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the content. Modification or use of the content except as expressly provided in these Terms and Conditions violates Highland Consulting’s intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this website.

Disclaimer of Warranty and Limitation of Liability

Highland Consulting has exercised reasonable care in the preparation of this website, but makes no representations or warranties about the content, in terms of accuracy, completeness, reliability, or otherwise of any information on this website.

YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. HIGHLAND CONSULTING DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. HIGHLAND CONSULTING DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT IN THIS WEBSITE 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. HIGHLAND CONSULTING DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, COMPLETENESS, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND HIGHLAND CONSULTING MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT HIGHLAND CONSULTING, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS WEBSITE OR ITS CONTENT. HIGHLAND CONSULTING MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSSIONS IN SUCH CONTENT.

HIGHLAND CONSULTING, OR ANY OTHER THIRD PARTY, WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES RESULTING FROM ANY DEFECT IN OR USE OF THE HIGHLAND CONSULTING WEBSITE OR SERVICES OFFERED THROUGH THE WEBSITE, EVEN IF HIGHLAND CONSULTING HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMANGES.

Conditions of Use

By visiting this website, you accept that your visit and any disputes are subject to the Terms and Conditions and Privacy Policy. The Terms and Conditions and Privacy Policy will be governed and interpreted pursuant to the laws of the state of Ohio, United States of America. You specifically consent to personal jurisdiction in the state of Ohio in connection with any dispute between you and Highland Consulting arising out of the Terms and Conditions or Privacy Policy or pertaining to the subject matter hereof. The parties to the Terms and Conditions and Privacy Policy each agree that the exclusive venue for any dispute between the parties arising out of the Terms and Conditions or Privacy Policy will be in any court of competent jurisdiction in Cuyahoga County, Ohio.

If any part of the Terms and Conditions or Privacy Policy is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provision.

Revisions

Highland Consulting reserves the right to occasionally update these Terms and Conditions. At such time, Highland Consulting will also revise the “last updated” date at the end of these Terms and Conditions. We recommend that you periodically review this Terms and Conditions.

Last Updated: May 31, 2016