Terms and Conditions

Agreement between User and markmoyer.com

Welcome to markmoyer.com. The markmoyer.com website (the "Site") is comprised of various web pages operated by Compass Points Advisors LLC. For the purposes of these Terms and Conditions, unless otherwise noted, all references to Compass Points Advisors LLC include markmoyer.com, Make Your Mark and the Win Again Academy.

markmoyer.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of markmoyer.com constitutes your agreement to all such Terms. Please read these Terms carefully, and keep a copy of them for your reference.

markmoyer.com is an E-Commerce Site.

We provide information and learning tools to help people improve their marketability, connect and network with others and gain employment. Subscriptions to the Win Again Academy and Make Your Mark, as well as Coaching Packages, Speaking Engagements and the book Win Again, may be purchased offering various levels of further information and learning tools.

Privacy

Your use of markmoyer.com is subject to Compass Points Advisors LLC's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting markmoyer.com or sending emails to Compass Points Advisors LLC constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Your Account

If you use this Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Compass Points Advisors LLC is not responsible for third party access to your account that results from theft or misappropriation of your account. Compass Points Advisors LLC and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.

Children Under Thirteen

Compass Points Advisors LLC does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use markmoyer.com only with permission of a parent or guardian.

Links to Third Party Sites/Third Party Services

markmoyer.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Compass Points Advisors LLC and Compass Points Advisors LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Compass Points Advisors LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Compass Points Advisors LLC of the site or any association with its operators.

Certain services made available via markmoyer.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the markmoyer.com domain, you hereby acknowledge and consent that Compass Points Advisors LLC may share such information and data with any third party with whom Compass Points Advisors LLC has a contractual relationship to provide the requested product, service or functionality on behalf of markmoyer.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use markmoyer.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Compass Points Advisors LLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Compass Points Advisors LLC or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Compass Points Advisors LLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Compass Points Advisors LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Compass Points Advisors LLC or our licensors except as expressly authorized by these Terms.

Use of Communication Services

The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer; advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters; download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded; restrict or inhibit any other user from using and enjoying the Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.

Compass Points Advisors LLC has no obligation to monitor the Communication Services. However, Compass Points Advisors LLC reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Compass Points Advisors LLC reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Compass Points Advisors LLC reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Compass Points Advisors LLC's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Compass Points Advisors LLC does not control or endorse the content, messages or information found in any Communication Service and, therefore, Compass Points Advisors LLC specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Compass Points Advisors LLC spokespersons, and their views do not necessarily reflect those of Compass Points Advisors LLC.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you upload the materials.

Materials Provided to markmoyer.com or Posted on Any Compass Points Advisors LLC Web Page

Compass Points Advisors LLC does not claim ownership of the materials you provide to it or markmoyer.com (including feedback and suggestions) or post, upload, input or submit to any Compass Points Advisors LLC Site or our associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Compass Points Advisors LLC, our affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Compass Points Advisors LLC is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Compass Points Advisors LLC's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Third Party Accounts

You will be able to connect your Compass Points Advisors LLC account to third party accounts. By connecting your Compass Points Advisors LLC account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.

International Users

The Service is controlled, operated and administered by Compass Points Advisors LLC from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Compass Points Advisors LLC Content accessed through markmoyer.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless Compass Points Advisors LLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Compass Points Advisors LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Compass Points Advisors LLC in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association in New York, New York. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Compass Points Advisors LLC agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND IMPLIED EFFECTIVENESS OF THE IDEAS OR SUCCESS STATEGIES LISTED ON THIS SITE AS WELL AS THOSE THAT ARE PROVIDED IN OUR PRODUCTS OR TO OUR PARTICIPANTS AT OUR EVENTS.

NEITHER COMPASS POINTS ADVISORS LLC NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS WARRANT THAT ANY FUNCTIONS CONTAINED IN THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU (AND NOT COMPASS POINTS ADVISORS LLC OR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION TO YOUR SYSTEM.

COMPASS POINTS ADVISORS LLC DOES NOT ENDORSE, WARRANT OR GUARANTEE ANY SPEAKERS, PRODUCTS OR SERVICES OFFERED ON THE SITE OR THOSE SITES TO WHICH WE LINK. COMPASS POINTS ADVISORS LLC IS NOT A PARTY TO, AND DOES NOT MONITOR, ANY TRANSACTION BETWEEN USERS AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES.

UNDER NO CIRCUMSTANCES WILL COMPASS POINTS ADVISORS LLC BE HELD RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY LOSS OR DAMAGE THAT IS CAUSED OR ALLEGED TO HAVE BEEN CAUSED TO YOU IN CONNECTION WITH YOUR USE OF ANY ADVICE, GOODS OR SERVICES YOU RECEIVE FROM A GUEST SPEAKER ON THE SITE OR AT ONE OF OUR EVENTS. COMPASS POINTS ADVISORS LLC IS ALSO NOT RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE THAT IS CAUSED OR ALLEGED TO HAVE BEEN CAUSED TO OUR GUEST SPEAKERS IN CONNECTION WITH THE DISPLAY OF THEIR PHOTO, NAME, OR BIOGRAPHY POSTED ON THE SITE OR IN OUR MARKETING MATERIALS.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF COMPASS POINTS ADVISORS LLC OR ANY OF ITS LICENSORS OR SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

THE INFORMATION CONTAINED IN OR MADE AVAILABLE THROUGH THE SITE (INCLUDING BUT NOT LIMITED TO INFORMATION CONTAINED ON MESSAGE BOARDS, IN TEXT FILES, OR IN CHATS) CANNOT REPLACE OR SUBSTITUTE FOR THE SERVICES OF TRAINED PROFESSIONALS IN ANY FIELD, INCLUDING, BUT NOT LIMITED TO, FINANCIAL, MEDICAL, PSYCHOLOGICAL, OR LEGAL MATTERS. IN PARTICULAR, YOU SHOULD REGULARLY CONSULT A DOCTOR IN ALL MATTERS RELATING TO PHYSICAL OR MENTAL HEALTH, PARTICULARLY CONCERNING ANY SYMPTOMS THAT MAY REQUIRE DIAGNOSIS OR MEDICAL ATTENTION. COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES CONCERNING ANY TREATMENT, ACTION, OR APPLICATION OF MEDICATION OR PREPARATION BY ANY PERSON FOLLOWING THE INFORMATION OFFERED OR PROVIDED WITHIN OR THROUGH THE SITES. YOU ALONE ARE RESPONSIBLE AND ACCOUNTABLE FOR YOUR DECISIONS, ACTIONS AND RESULTS IN LIFE, AND BY YOUR USE OF THE SITE, YOU AGREE NOT TO ATTEMPT TO HOLD COMPASS POINTS ADVISORS LLC AND/OR ITS LICENSORS OR SUPPLIERS LIABLE FOR ANY SUCH DECISIONS, ACTIONS OR RESULTS, AT ANY TIME, UNDER ANY CIRCUMSTANCE.

WHEN ADDRESSING FINANCIAL MATTERS ON THE SITE OR IN ANY OF OUR VIDEOS, NEWSLETTERS OR OTHER CONTENT, COMPASS POINTS ADVISORS LLC HAS TAKEN EVERY EFFORT TO ENSURE IT ACCURATELY REPRESENTS ITS PROGRAMS AND THEIR ABILITY TO IMPROVE YOUR LIFE OR GROW YOUR BUSINESS. HOWEVER, THERE IS NO GUARANTEE THAT YOU WILL GET ANY RESULTS OR EARN ANY MONEY USING ANY OF OUR IDEAS, TOOLS, STRATEGIES OR RECOMMENDATIONS, AND COMPASS POINTS ADVISORS LLC DOES NOT PURPORT ANY “GET RICH SCHEMES” ON THE SITE OR IN ANY OF CONTENT. NOTHING ON THE SITE IS A PROMISE OR GUARANTEE OF EARNINGS. YOUR LEVEL OF SUCCESS IN ATTAINING SIMILAR RESULTS IS DEPENDENT UPON A NUMBER OF FACTORS INCLUDING YOUR SKILL, KNOWLEDGE, ABILITY, DEDICATION, BUSINESS SAVVY, NETWORK, AND FINANCIAL SITUATION, TO NAME A FEW. BECAUSE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, COMPASS POINTS ADVISORS LLC CANNOT AND DOES NOT GUARANTEE YOUR SUCCESS, INCOME LEVEL, OR ABILITY TO EARN REVENUE. YOU ALONE ARE RESPONSIBLE FOR YOUR ACTIONS AND RESULTS IN LIFE AND BUSINESS. ANY FORWARD-LOOKING STATEMENTS OUTLINED ON THE SITE ARE SIMPLY OUR OPINION AND THUS ARE NOT GUARANTEES OR PROMISES FOR ACTUAL PERFORMANCE. IT SHOULD BE CLEAR TO YOU THAT, BY LAW, COMPASS POINTS ADVISORS LLC MAKES NO GUARANTEES THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS OR MODELS PRESENTED ON THE SITE, AND COMPASS POINTS ADVISORS LLC OFFERS NO PROFESSIONAL LEGAL, MEDICAL, PSYCHOLOGICAL OR FINANCIAL ADVICE.

ON THE SITE, COMPASS POINTS ADVISORS LLC WILL OCCASIONALLY DISCUSS MATURE TOPICS AND LANGUAGE RELATING TO PERSONAL AND PROFESSIONAL GROWTH THAT MAY USE EXPLICIT LANGUAGE. USERS WHO ARE UNCOMFORTABLE WITH SUCH TOPICS OR LANGUAGE SHOULD NOT USE THE SITE.

Termination/Access Restriction

Compass Points Advisors LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New York, without regard to any principles of conflicts of law, and you hereby consent to the exclusive jurisdiction and venue of courts in New York in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Compass Points Advisors LLC as a result of this agreement or use of the Site. Compass Points Advisors LLC's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Compass Points Advisors LLC's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Compass Points Advisors LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Compass Points Advisors LLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Compass Points Advisors LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Compass Points Advisors LLC reserves the right, in its sole discretion, to change the Terms under which markmoyer.com is offered. The most current version of the Terms will supersede all previous versions. Compass Points Advisors LLC encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

Compass Points Advisors LLC welcomes your questions or comments regarding the Terms:

Compass Points Advisors LLC

155 East 31st Street, Suite 4-G

New York, New York 10016

Email Address:

mark@compasspointsadvisors.com

Effective as of June 26, 2020

Privacy Policy

Protecting your private information is our priority. This Statement of Privacy applies to mark.moyer.com and Compass Points Advisors LLC and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Compass Points Advisors LLC include mark.moyer.com, Make Your Mark and the Win Again Academy. The Compass Points Advisors LLC website is an e-commerce site, which is controlled from offices in the United States of America. Compass Points Advisors LLC does not represent that materials on the website are appropriate or available for use in other locations. Persons who choose to access this website from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. By using the Compass Points Advisors LLC website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered on our website, Compass Points Advisors LLC may collect personally identifiable information, such as your:

- First and Last Name

- Mailing Address

- E-mail Address

- Phone Number

Compass Points Advisors LLC may also collect anonymous demographic information, which is not unique to you, such as your:

- Age

- Gender

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Compass Points Advisors LLC's public message boards, this information may be collected and used by others.

We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on our website. These may include: (a) registering for an account or event on our website; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services on our website. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

Compass Points Advisors LLC collects and uses your personal information to operate its website and deliver the services you have requested.

Compass Points Advisors LLC may also use your personally identifiable information to inform you of other products or services available from Compass Points Advisors LLC, its affiliates and partners that are similar to the products and services you have browsed on and/or purchased from our website.

Sharing Information with Third Parties

Compass Points Advisors LLC does not sell, rent or lease its customer lists to third parties.

Compass Points Advisors LLC may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Compass Points Advisors LLC may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Compass Points Advisors LLC, and they are required to maintain the confidentiality of your information.

Compass Points Advisors LLC may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Compass Points Advisors LLC or the website; (b) protect and defend the rights or property of Compass Points Advisors LLC; and/or (c) act under exigent circumstances to protect the personal safety of users of Compass Points Advisors LLC, or the public.

Opt-Out of Disclosure of Personal Information to Third Parties

In connection with any personal information we may disclose to a third party for a business purpose, you have the right to know:

• The categories of personal information that we disclosed about you for a business purpose.

You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information. To opt-out of the disclosure of your personal information, please contact us at mark@compasspointsadvisors.com.

Tracking User Behavior

Compass Points Advisors LLC may keep track of the websites and pages our users visit within Compass Points Advisors LLC, in order to determine what Compass Points Advisors LLC services are the most popular. This data is used to deliver customized content and advertising within Compass Points Advisors LLC to customers whose behavior indicates that they are interested in a particular subject area.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Compass Points Advisors LLC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Compass Points Advisors LLC website.

Links

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our website and to read the privacy statements of any other site that collects personally identifiable information.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

• Delete your personal information from our records; and

• Direct any service providers to delete your personal information from their records.

Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:

• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;

• Debug to identify and repair errors that impair existing intended functionality;

• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

• Comply with the California Electronic Communications Privacy Act;

• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

• Comply with an existing legal obligation; or

• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Children Under Thirteen

Compass Points Advisors LLC does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of eighteen, you must ask your parent or guardian for permission to use this website.

Disconnecting your Compass Points Advisors LLC Account from Third Party Websites

You will be able to connect your Compass Points Advisors LLC account to third party accounts. BY CONNECTING YOUR COMPASS POINTS ADVISORS LLC ACCOUNT TO YOUR THIRD PARTY ACCOUNT, YOU ACKNOWLEDGE AND AGREE THAT YOU ARE CONSENTING TO THE CONTINUOUS RELEASE OF INFORMATION ABOUT YOU TO OTHERS (IN ACCORDANCE WITH YOUR PRIVACY SETTINGS ON THOSE THIRD PARTY SITES). IF YOU DO NOT WANT INFORMATION ABOUT YOU, INCLUDING PERSONALLY IDENTIFYING INFORMATION, TO BE SHARED IN THIS MANNER, DO NOT USE THIS FEATURE. You may disconnect your account from a third-party account at any time. Users may learn how to disconnect their accounts from third-party websites by visiting their "My Account" page.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Compass Points Advisors LLC by contacting us here:

- Email: mark@compasspointsadvisors.com

E-mail Communications

From time to time, Compass Points Advisors LLC may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Compass Points Advisors LLC or click on a link therein.

If you would like to stop receiving marketing or promotional communications via email from Compass Points Advisors LLC, you may opt out of such communications by Customers may unsubscribe from emails by "replying STOP."

Data Storage

Compass Points Advisors LLC securely stores your data at [LOCATION AND DESCRIBE THE SECURITY PRECAUTIONS TAKEN]

Unless requested by you to delete your personal information have provided to Compass Points Advisors LLC, Compass Points Advisors LLC will retain your personal information provided for [5 YEARS]. Once this time period has expired, Compass Points Advisors LLC shall delete your personal information from its records.

We may also store your data on servers provided by third party hosting vendors with whom we have contracted and will provide information relating to such external storage to you upon request.

Changes to this Statement

Compass Points Advisors LLC reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information on this page. Your continued use of our website and/or Services available through this websitee after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

Miscellaneous

These terms will be governed by and construed in accordance with the laws of the State of New York, without regard to any principles of conflicts of law, and you hereby consent to the exclusive jurisdiction and venue of courts in New York in all disputes arising out of or relating to this agreement. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Compass Points Advisors LLC with respect to its website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Compass Points Advisors LLC with respect to its website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Contact Information

Compass Points Advisors LLC welcomes your questions or comments regarding this Statement of Privacy. If you believe that Compass Points Advisors LLC has not adhered to this Statement, please contact Compass Points Advisors LLC at:

Mark Moyer