Terms of Use

1. Eligibility

This Website is intended for individuals who are at least 18 years of age and are legally capable of entering into binding agreements. By using this Website, you represent and warrant that you meet these requirements.

2. About the CRGM

CRGM is a registered broker-dealer and a member of the Financial Industry Regulatory Authority (FINRA) and the Securities Investor Protection Corporation (SIPC), where applicable.

Any references to regulatory registrations are provided for informational purposes only and should not be interpreted as an endorsement or approval by any regulatory authority.

3. Informational Purposes Only

The information available on this Website is provided solely for general informational purposes.

Nothing on this Website constitutes:

• Investment advice;
• Legal, tax, or accounting advice;
• A recommendation to buy or sell any security;
• An offer or solicitation where prohibited by law.

Investment decisions should be made only after consulting qualified financial, legal, and tax professionals and reviewing all applicable offering documents.

4. No Client Relationship

Your use of this Website does not establish:

• A brokerage relationship;
• An advisory relationship;
• A fiduciary relationship;
• Any other client relationship.

A customer relationship is established only after all required account documentation has been completed, accepted by the CRGM, and all applicable regulatory requirements have been satisfied.

5. Risk Disclosure

All investments involve risk, including the possible loss of principal.

Past performance is not indicative of future results. Market conditions, interest rates, economic events, and other factors may affect investment performance.

You acknowledge that you are solely responsible for evaluating the suitability of any investment.

6. Electronic Communications

By using this Website or communicating electronically with us, you consent to receive communications electronically where permitted by law.

Electronic communications may include notices, disclosures, agreements, and other information.

7. User Accounts

If portions of the Website may require registration:

You agree to:

• Provide accurate and current information;
• Maintain the confidentiality of your credentials;
• Notify us immediately of unauthorized access;
• Accept responsibility for all activity occurring under your account.

We reserve the right to suspend or terminate accounts at our discretion.

8. Prohibited Uses

You agree not to:

• Violate any applicable law or regulation;
• Attempt unauthorized access to systems or data;
• Introduce malware or malicious code;
• Interfere with Website operations;
• Use automated tools to scrape Website content without authorization;
• Impersonate another individual or entity;
• Misrepresent your identity;
• Upload unlawful, defamatory, or infringing content.

9. Intellectual Property

All Website content, including text, graphics, logos, software, design, trademarks, and other materials, is owned by the CRGM or its licensors and is protected by applicable intellectual property laws.

You may view and download materials solely for personal, non-commercial use unless otherwise authorized.

No rights are granted except as expressly provided in these Terms.

10. Third-Party Websites

The Website may contain links to third-party websites.

We do not control, endorse, or assume responsibility for:

• Third-party content;
• Products;
• Services;
• Privacy practices.

Access to third-party websites is at your own risk.

11. Market Information

Market data, research, commentary, quotes, and economic information may be obtained from third-party sources believed to be reliable.

We do not guarantee:

• Accuracy;
• Completeness;
• Timeliness;
• Availability.

Information may change without notice.

12. Forward-Looking Statements

Certain content may include projections or forward-looking statements based upon assumptions and expectations.

Actual results may differ materially.

No assurance is given that future events will occur as described.

13. Disclaimer of Warranties

The Website is provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, CRGM disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of:

• Merchantability;
• Fitness for a particular purpose;
• Non-infringement;
• Availability;
• Accuracy.

We do not guarantee uninterrupted or error-free operation.

14. Limitation of Liability

To the fullest extent permitted by applicable law, the CRGM and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from or relating to:

• Website use;
• Inability to access the Website;
• Errors or omissions;
• Delays;
• Cybersecurity incidents;
• Reliance on Website content.

Where liability cannot be excluded, liability shall be limited to the maximum extent permitted by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless the CRGM and its affiliates, officers, directors, employees, and agents from claims, losses, liabilities, damages, costs, and expenses arising from:

• Your use of the Website;
• Your violation of these Terms;
• Your violation of applicable law;
• Your infringement of another person's rights.

16. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

17. Electronic Records

Where permitted by law, records maintained electronically by the CRGM shall be deemed valid business records.

18. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws and regulations, including securities laws applicable to your use of this Website.

19. Geographic Restrictions

This Website is intended only for jurisdictions where its use is permitted by law.

Access from jurisdictions where the Website or its content would be unlawful is prohibited.

20. Changes to the Website

We reserve the right to modify, suspend, or discontinue any portion of the Website at any time without notice.

21. Modification of Terms

We may revise these Terms from time to time.

The revised Terms become effective upon posting unless otherwise indicated.

Your continued use of the Website constitutes acceptance of the revised Terms.

22. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles, except where superseded by applicable federal law.

23. Dispute Resolution

Except where prohibited by law, any dispute arising from these Terms or the Website shall be resolved in the state or federal courts located in New York State, and each party consents to the jurisdiction of those courts.

Nothing in these Terms limits any arbitration rights or obligations contained in separate customer agreements.

24. Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

25. Entire Agreement

These Terms constitute the entire agreement regarding use of the Website and supersede prior understandings relating to such use.