SAGE FINANCIAL GROUP

WEBSITE DISCLAIMER

TERMS AND CONDITIONS
Welcome to http://sagefinancial.com/. The information offered by Sage Financial Group (“Sage”), on this website (the “Site”) is subject to certain terms and conditions (the “Terms and Conditions”). These Terms and Conditions apply to all users. By entering the Site or by transmitting any information to the Site you acknowledge and agree to all of the Terms and Conditions. Please read them carefully. If you do not agree to the Terms and Conditions, please do not use the Site. Any use of the Site in a manner inconsistent with these Terms and Conditions is deemed unauthorized access and may subject the user to civil or criminal penalties. We reserve the right to revise these Terms and Conditions at any time and for any reason, without notice or obligation, by updating this posting. Your continued use of the Site following the posting of any changes to the Terms and Conditions will mean that you accept such amendments. We strongly recommend that you periodically visit this page of the Site to review the Terms and Conditions.

USE OF WEBSITE
This Site is limited to the dissemination of general information pertaining to Sage’s advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Sage’s Site on the Internet should not be construed by any consumer and/or prospective client as Sage’s solicitation to affect, or attempt to affect, transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Sage with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.

Sage does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Sage’s Site or incorporated herein, and takes no responsibility therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

RESTRICTED USE OF SITE MATERIALS
Sage grants you a limited license to access and make use of the Site. For your personal use only, you may print copies of the information from the Site and you may store information from the Site on your own computer. You may not modify the Site, or any portion thereof, for any reason. Any unauthorized use terminates the permission or limited license granted by Sage. Sage reserves all other rights.

REGISTRATION STATUS
Sage Financial Group (“Sage”), located in West Conshohocken, Pennsylvania, is an investment advisor registered with the U.S. Securities and Exchange Commission (“SEC”). Registration as an investment advisor does not imply a certain level of skill or training. Sage and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisors by those states in which Sage maintains clients. Sage may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

For information pertaining to the registration status of Sage, please contact the SEC or the state securities regulators for those states in which Sage maintains a notice filing. A copy of Sage’s current written disclosure statement discussing Sage’s business operations, services, and fees is available from Sage upon written request.

NOT INVESTMENT ADVICE
Certain portions of Sage’s Site (i.e., newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Sage’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Sage or from any other investment professional. Sage is neither an attorney nor an accountant. No portion of the content on this Site should be interpreted as legal, accounting or tax advice.

USE OF THIRD PARTY RANKINGS
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Sage is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Sage by any of its clients.  Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized advisor. Rankings do not represent statements of any Sage client and do not describe any experience with or endorsement of Sage as an investment advisor by any such client.

LINKING, POSTING AND TRANSMITTING
Although Sage provides the information accessible on the Site for your personal, non-commercial use, Sage retains all property rights, including, without limitation, property rights under U.S. and international copyright law, to all such information. Without the prior express written permission of Sage or as set forth under “Restricted Use of Site Materials” above, you MAY NOT do any of the following: (A) hyperlink to the Site, whether to its homepage or to an interior page; (B) include information from the Site on another site, on a server computer, or in documents; (C) modify or re-use the information from the Site; or (D) transmit any commands, codes or information to the Site, with the exception of those commands necessary to view the Site. Sage reserves all other rights.

Although Sage, or other parties involved in creating, producing, or delivering the Site, may monitor or review any transmissions to the Site or to Sage personnel, Sage and such other parties assume no responsibility or liability that may arise from the content thereof, including, without limitation, claims for defamation, libel, slander, obscenity, pornography, profanity, or misrepresentation.

Although the Site may be linked to other sites upon express written permission from Sage, Sage is not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with the linked site, unless specifically stated therein. By entering the Site you acknowledge and agree that Sage has not reviewed all the sites that may be linked to the Site and is not responsible for the content of any off-site pages or any other site linked to the Site. Such third party may have a privacy policy different from that of Sage, and the third party Site may provide less security than the Sage Site.  You acknowledge and agree that when you follow links to pages not maintained on the Site, you do so at your own risk.

INDEMNIFICATION
Each client and prospective client agrees, as a condition precedent to his/her/its access to Sage’s Site, to release and hold harmless Sage, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Sage.