General Terms and Conditions Conditions

• This website is operated by Morgen & Partners, the parent company of various entities that offer products and services to the public, which includes Morgen & Partners Brokerage Services LLC, a registered broker-dealer, Morgen & Partners Personal and Workplace Advisors LLC, a registered investment adviser, Morgen & Partners Workplace , a workplace savings plan recordkeeper, Digital Asset Services, LLC, a New York State-chartered, limited liability trust company.

• These Terms contain a Predispute Arbitration Clause that requires that you and Morgen & Partners agree to pursue any disputes in individual arbitration and that each of us waives the right to sue in court, including in a class action or representative proceeding. Please see Section 19, titled “Predispute Arbitration Clause,” for more information.

• If you are a customer of Morgen & Partners Investments, your customer relationship is also governed by your account agreements and related documentation. If there is any conflict between these Terms and your account agreements, then your account agreements will govern. Additional information regarding Morgen & Partners Investments’ products, services and potential conflicts of interest can be reviewed by clicking the “Disclosures” link on the bottom of this website.

• Certain sections of this website may contain separate terms and conditions, which are in addition to these Terms. You should read those additional terms and conditions carefully. By accessing such sections or pages, you agree to be bound by those additional terms and conditions. In the event of a conflict, those additional terms and conditions will govern your use of those sections or pages. You may be asked to execute supplemental agreements before you are permitted to access or use certain features or functionality within this website (each, a “Supplemental Agreement”). In the case of Supplemental Agreements presented to you online, you authorize Morgen & Partners Investments to rely upon “checks” or “clicks” in designated locations as your electronic signature and your agreement to the terms of such Supplemental Agreements. These Terms are in addition to any Supplemental Agreement and are not intended to supersede or modify any such Supplemental Agreement.

• Information for Non-U.S. Users

  • This website is for information and use by U.S. persons. Nothing on this website shall be considered a solicitation to buy or an offer to sell a security, digital asset, or any other product or service, to any person who is not a U.S. person or is in any jurisdiction where such offer, solicitation, purchase, sale, or other product or service would be unlawful under the laws of such jurisdiction.

  • Each time you access this website for any purpose, you shall be deemed to represent, warrant and covenant to Morgen & Partners that you are not (a) located in, or a national or resident of, or associated with the government of, any country that is subject to U.S. trade sanctions, or (b) on any U.S. prohibited party list or acting on behalf of or owned or controlled by any person or entity on any such list.

  • If you are a non-US person, you should visit Morgen & Partners International at where you will be directed to appropriate overseas websites of affiliated and non-affiliated non-U.S. entities who offer products and services designed specifically for overseas investors.

  • Investment professionals interested in information about certain Morgen & Partners Funds SICAV and the Morgen & Partners Institutional Liquidity Fund plc, which are sold to eligible investors outside the United States,

• Limitations Regarding Information Presented

  • This website is not intended to provide legal, tax, or insurance advice. In general, the information contained in this website has been prepared without reference to any particular user’s personal situation.

  • Pricing and other information generated through the use of data or services made available via this website may not reflect actual prices or values that would be available in the market at the time provided or at the time that you may want to purchase or sell a particular security or other investment, including a digital asset. In addition, credit ratings are statements of opinions and are not statements of fact. Any reference to a particular investment or security, a rating or any observation concerning an investment that is part of this information is not a recommendation to buy, sell or hold such investment or security or other asset, does not address the suitability of an investment or security or other asset for any particular investor, and should not be relied on as investment advice.

  • Before investing, you should consider whether any investment, investment strategy, security, other asset, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You are also encouraged to consult your legal, tax, or insurance professional regarding your specific situation.

• Virtual Assistant

  • On certain pages of this website, you may engage with Morgen & Partners Virtual Assistant.

  • Our Virtual Assistant uses advanced technology and artificial intelligence to help with frequently asked questions and to enhance your digital experience. It is designed to be both anticipatory and responsive based on your search terms, information you enter in reply to the Virtual Assistant’s questions, and your account and other information on file with Morgen & Partners. Your interactions with our Virtual Assistant may be recorded and shared with our service providers that provide technology and services used in our Virtual Assistant or are used for other business purposes.

  • The Virtual Assistant is not designed to recommend the purchase or sale of specific securities or digital assets. While it may offer educational information, it doesn’t have the capability to discern what investment choices would be suitable for your personal situation.

  • Do not attempt to place trade orders through the Virtual Assistant; it can provide you with guidance as to how to place a trade at Fidelity, but the Virtual Assistant cannot execute trades on your behalf.

  • Any personal, account, or other information you provide to the Virtual Assistant, as well as all search information entered, may be retained, accessible to Morgen & Partners personnel, and used and shared consistent with Morgen & Partners Privacy Policy. Notwithstanding, you should not provide the Virtual Assistant with credit or debit card information or protected health information.

  • Responses from the Virtual Assistant are general in nature and should not be considered investment, legal, or tax advice. Consult an investment professional, attorney, or tax professional regarding your specific situation.

• Privacy of Information

  • While using this website, you may be asked to provide certain information to us, such as categories of products and services in which you are interested, account information, or contact or other personal information, in order to use certain capabilities and/or to subscribe to Fidelity products or services.

  • All such information, as well as all other information collected when you use this website, may be accessible to Morgen & Partners personnel, is subject to possible retention, and may be used and shared consistent with Morgen & Partners, which can be accessed at any time by clicking on the “Privacy” link that is in the footer of each page of this website.

  • In addition, your use of this website may be monitored and recorded by us and/or our service providers for our business purposes.

• Copyright and DMCA Copyright Agent Information

  • This website, including the content presented on this website, is protected by applicable copyright laws. Accordingly, you may not copy, distribute, modify, post or frame-in this website, including any text, graphics, video, audio, software code, user interface design or logos, without our express permission.

  • If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Morgen & Partners with the following information:

    • A description of the copyrighted work that you claim has been infringed, or, if multiple copyrighted works are the subject of a single notice, a representative list of such works.

    • An identification of the allegedly infringing material, and a description of where that material is located on this website.

    • Your address, telephone number, and email address.

    • A statement by you that you have a good faith belief that use of the disputed material in the manner complained of is not authorized by the copyright owner, its agent, or the law.

    • A statement by you, made under penalty of perjury, that the information you provide in your notice is accurate and that you are the owner of the allegedly infringed copyright, or that you are authorized to act on behalf of the copyright owner.

    • Your physical or electronic signature as the owner, or a person authorized to act on behalf of the owner, of the copyright allegedly infringed.

    • Morgen & Partners Agent for Notice of claims of copyright infringement can be reached as follows: By mail-