Terms of Service
By providing your billing information to Physician Family Financial Advisors Incorporated (“Physician Family”, an Oregon corporation registered as an investment adviser under the laws of the State of Oregon), you signify that you have read and agree to the following terms:
- “Financial Consulting” means access to advice about personal finance issues that may include income, expenses, liabilities (including student loans), insurance or taxes.
- “Financial Planning” means access to advice about how to reach retirement, college and/or major purchase goals (such as a home), and advice about the asset allocation (ratio of domestic and foreign equity and debt asset classes) to use with each goal.
- "Investment Guidance" means access to advice about which securities to buy, sell or hold..
- “Account Management” means a service whereby Physician Family chooses and transacts securities for your investment account(s) at Physician Family’s sole discretion subject to your time horizon, investment objectives and risk tolerance.
“Stable” Service Plan subscribers will receive Financial Consulting only.
“Serious” Service Plan subscribers will receive Financial Consulting and Financial Planning.
“Secure” Service Plan subscribers will receive Financial Consulting, Financial Planning, Investment Guidance and Account Management.
Fees & Costs
Using the payment information you provided, Physician Family will charge you a fee on the day your service plan begins and each month thereafter. Fees are nonrefundable. Physician Family may change its fee by giving you 30 days notice. As a result of following Physician Family’s advice, you may also bear other costs including but not limited to mutual fund expenses, third party money manager fees, transaction costs and taxes.
You may cancel this subscription agreement at any time by notifying Physician Family at email@example.com. Otherwise, this agreement will renew monthly.
Risk & Indemnification
You understand that investments are subject to various market, political, currency, economic, and business risks and may not always be profitable. You assume all risk involved with your investments. Physician Family does not and cannot guarantee financial or investment results. You indemnify Physician Family against any loss of assets caused by a financial institution. You indemnify Physician Family against any loss incurred by Physician Family as a result of its reliance upon inaccurate or incomplete information provided by you. Nothing in this agreement will relieve Physician Family of any responsibility or liability Physician Family may have under the law.
You agree to accept electronic communication of any notice, advice, or report in lieu of a printed copy at your email address as designated in writing to Physician Family at firstname.lastname@example.org.
You authorize Physician Family to disclose information about you to third parties as necessary to render services. If you are a couple (marital partners, for example), communication between Physician Family and one of you will be held in the same regard as communication with both of you.
Physician Family limits employee and agent access to information to only those who have a business or professional need to know, and only to nonaffiliated parties as permitted by law. Physician Family maintains a secure business environment to ensure that client information is not placed at unreasonable risk. The categories of nonpublic personal information that Physician Family collects from clients depends upon the scope of the engagement. It can include information about a client’s personal finances or information about transactions between the client and third parties. For unaffiliated third parties that require access to a client’s personal information, including financial service companies, subcontractors, consultants, and auditors, Physician Family requires confidentiality in dealings with them and expects them to keep this information private. Physician Family's records are subject to examination by federal and state regulators. Physician Family does not provide clients’ personally identifiable information to mailing list vendors or solicitors. Physician Family maintains personally identifiable information about clients during their engagement and after for a time as required by law.
This agreement will be construed in accordance with the laws of the State of Oregon unless preempted by federal law. If any provision of this agreement is held to be unenforceable in any arbitration or by any court, the remaining provisions will continue in full force and effect. Neither party may assign this agreement. In the event of any controversy arising under this agreement, each party shall pay their own respective attorney’s fees, including costs. This agreement constitutes and contains the entire understanding between the parties regarding the services described above and supersedes all prior oral or written agreements between the parties. This agreement may be terminated by either party in a written notice to the other.