Klein, Pavlis & Peasley Financial, Inc., (“KPP”), a Registered Investment Advisor, provides this website to you for informational purposes only and you should not construe any information on this website as an offer to buy or sell a particular security or a solicitation of an offer to buy or sell a particular security. KPP does not provide legal, tax, or accounting advice. You may not retransmit the information on this site without KPP’s written consent.

Current and prospective clients should not assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by advisor), or product referenced directly or indirectly on this website, will be profitable or equal to corresponding past performance levels.

The information presented on this website is not a substitute for personalized individual advice from the advisor or any other investment professional.

KPP may only transact securities business and/or provide investment advice for compensation federally and in states that it is licensed or exempt from licensing. Klein, Pavlis and Peasley Financial, Inc. (KPP FINANCIAL) is registered as an investment advisor in the states of California, Texas and Washington. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. These Terms of Service govern your use of the KPPFinancial.com website (the “Service”) only and do not govern your use of other KPP services.

The Service contains material that is protected by international copyright, trademark and other intellectual property laws. Unless otherwise specified, the Service is intended for your personal, noncommercial use only. You may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any material, including code and software, from the Service. You may download material from the Service and may use the Service for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices.

Because the Web is an evolving medium, we may need to change these Terms of Service or impose new conditions on use of the Service, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the KPPFINANCIAL.com website after we post any such changes, you accept the Terms of Service, as modified.

You may establish a hypertext link to this Service so long as the link does not state or imply any sponsorship of your site by KPPFINANCIAL.com. However, you may not, without the prior written permission of KPPFINANCIAL.com, frame any of the content of the Service, or incorporate into another website or other service any material, content or intellectual property belonging to KPPFINANCIAL.com, its parent or affiliate companies or their licensors.

License to KPPFINANCIAL.com
By posting messages, uploading files, or otherwise providing any material to us for display on the Service, you are representing that you are the owner of the material, or are making your submission with the express consent of the owner of the material. In addition, when you post a message, upload a file, or otherwise provide us with material for display on the Service, you are granting KPPFINANCIAL.com a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to:

1. Use, copy, sublicense, adapt, transmit, publicly perform or display any such communication.
2. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication.

The foregoing grants shall include the right to exploit any proprietary rights in such material, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction.

Privacy Policy
The following Policy governs KPPFINANCIAL.com’s online collection of information from you. Specifically, it outlines the types of information that KPPFINANCIAL.com gathers about you while you are using the Service, and the way that KPPFINANCIAL.com uses and doesn’t use this information. This Privacy Policy does not apply to any information you may provide to us or that we may collect offline and/or through other means; for example, at a live event, via telephone, or through the mail. In addition, this Privacy Policy does not apply to any activities (online or otherwise) of KLEIN PAVLIS & PEASLEY FINANCIAL, INC..

Information You Provide to Us. KPPFINANCIAL.com may collect and store information, personal or otherwise, that you voluntarily supply either while on the KPPFINANCIAL.com website or in responding, via e-mail to a feature provided on the KPPFINANCIAL.com website. Some examples of this type of information include: demographic information that you electronically submit when you sign up for access to certain features on the Service, information (such as your name or e-mail address) that you electronically submit when you register for surveys, sweepstakes or contests on the KPPFINANCIAL.com website, information that you post on message boards on the KPPFINANCIAL.com website, and information contained in search requests or questions that you submit to the KPPFINANCIAL.com website. If you decline to supply or provide KPPFINANCIAL.com with certain information while using the Service, you may not be able to use or participate in some or all of the features offered through the Service.

We do not share non-public personal information about you with unaffiliated third parties with whom we have no contractual business relationship for their independent use unless (1) you give us permission, (2) it is necessary to complete a transaction on your behalf, (3) it is necessary to protect against fraud, comply with a subpoena or other court order or is otherwise required or permitted by law. We do not sell information about you. Non-public information is collected via subscriptions, account applications and conference reservations.

Please also keep in mind that whenever you voluntarily disclose personal information online—for example on message boards, through e-mail, or in chat areas—that information can be seen, collected and used by others besides KPPFINANCIAL.com. KPPFINANCIAL.com cannot be responsible for any unauthorized third party use of information that you disclose online.

The KPPFINANCIAL.com website includes links to other websites, and provides access to products and services offered by third parties, whose privacy policies we do not control. When you access another website or purchase products or services or conduct other transactions through the Service, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting or the provider of such products or services.

Please also note that as our business grows, we may buy or sell various assets. In the unlikely event that KPPFINANCIAL.com, some or all of our assets, or our site is acquired by another company, information on our visitors may be among the transferred assets.

Through the Service, KPPFINANCIAL.com has provided links and pointers to Internet sites maintained by third parties. KPPFINANCIAL.com’s linking to such third party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites. In addition, neither, the owner of KPPFINANCIAL.com, or its parent or subsidiary companies nor their affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Service or on websites linked to by the KPPFINANCIAL.com website. The information, products and services offered on or through the Service and any third-party sites are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, KPPFINANCIAL.com disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. KPPFINANCIAL.com does not warrant that the Service or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of this Service, including bulletin boards, or the servers that make it available, are free of viruses or other harmful components.

KPPFINANCIAL.com does not warrant or make any representations regarding the use or the results of the use of the Service or materials in this Service, or in third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not KPPFINANCIAL.com) assume the entire cost of all necessary maintenance, repair or correction.

The Service is provided for informational purposes only, and is not intended for trading or investing purposes, or for commercial use. Stock and mutual fund quotes, and related financial news stories may be delayed at least 20 minutes, as may be required by the stock exchanges and/or the financial information services. The Service should not be used in any high risk activities where damage or injury to persons, property, environment, finances or business may result if an error occurs. You expressly assume all risk for such use.

Online Purchases on or through KPPFINANCIAL.com
The KPPFINANCIAL.com website may allow you to purchase many different types of products and services online that are provided by third parties. KPPFINANCIAL.com is not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from a merchant on the KPPFINANCIAL.com website or a site linked to by KPPFINANCIAL.com, the information obtained during your visit to that merchant’s online store or site and the information that you give as part of the transaction, such as your credit card number and contact information, is collected by the merchant. A merchant may have separate privacy and data collection practices. KPPFINANCIAL.com has no responsibility or liability for these independent policies. For more information regarding a merchant, its online store, and its privacy policies, return to that merchant’s home page and click on its information links or contact the merchant website directly. You release KPPFINANCIAL.com and its affiliates from any damages that you incur, and agree not to assert any claims against them, arising from your purchase or use of any products or services made available by third parties through the KPPFINANCIAL.com website.

When you purchase products or services on or through the KPPFINANCIAL.com website, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. If you have any questions about these additional terms and conditions, you should contact the merchant of such products or services directly.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Service. You agree to use the Service and to purchase services or products through the Service for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal information to KPPFINANCIAL.com or a merchant, you represent that you have obtained the express consent of such third party to provide such third party’s personal information.

Interactive Features
This Service may include a variety of features, such as bulletin boards and chat rooms, which allow feedback to KPPFINANCIAL.com and real-time interaction between users, and other features, such e-mail services, which allow users to communicate with others. Responsibility for what is posted on bulletin boards, chat rooms and other public posting areas on the Service lies with each user—you alone are responsible for the material you post. KPPFINANCIAL.com does not control the messages, information or files that others may provide through the Service. It is a condition of your use of the Service that you do not:

Restrict or inhibit any other user from using and enjoying the Service.
Use the Service to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
Use the Service to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.
Use the Service to post or transmit any information, software or other material that contains a virus or other harmful component.
Use the Service to post, transmit or in any way exploit any information, software or other material for commercial purposes, or which contains advertising.
Use the Service to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without the express written approval of KPPFINANCIAL.com.
Gather for the purpose of spamming e-mail addresses that have been posted by other users of the Service.
You understand that KPPFINANCIAL.com has no obligation to monitor any bulletin boards, chat rooms, or other areas of the Service through which users can supply information or material. However, KPPFINANCIAL.com reserves the right at all times to disclose any information as necessary to satisfy any law, regulation or governmental request, or to refuse to post or to remove any information or materials, in whole or in part, that in KPPFINANCIAL.com’s sole discretion are objectionable or in violation of these Terms of Service.
Limitation of Liability
Under no circumstances, including, but not limited to, negligence, shall KPPFINANCIAL.com, its subsidiary and parent companies or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, KPPFINANCIAL.com materials, products, or services, third party materials, products, or services made available through KPPFINANCIAL.com, or any part of the Service even if KPPFINANCIAL.com is advised beforehand of the possibility of such damages. (Because some states do not allow the exclusion or limitation of certain categories of damages, the above limitation many not apply to you. In such states, the liability of KPPFINANCIAL.com, its subsidiary and parent companies or affiliates is limited to the fullest extent permitted by such state law.) You specifically acknowledge and agree that KPPFINANCIAL.com is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any KPPFINANCIAL.com aterial, products, or services, or with any of KPPFINANCIAL.com’s terms and conditions, your sole and exclusive remedy is to discontinue using the Service.

KPPFINANCIAL.com may cancel or terminate your right to use the Service or any part of the Service at any time without notice. In the event of termination, you are no longer authorized to access the part of the Service affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Service, and the disclaimers and limitations of liabilities set forth in these Terms of Service, shall survive.

This agreement constitutes the entire agreement between KPP FINANCIAL.com and you with respect to the subject matter contained in this agreement and supersedes all previous and contemporaneous agreements, proposals and communications, written and oral. You also may be subject to additional terms and conditions that may apply when you use the products or services of a third party that are provided through the Service. In the event of any conflict between any such third party terms and conditions and these Terms of Service, these Terms of Service shall govern. This agreement shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles or conflicts of law. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.