Terms of Service

Last Updated: December 23, 2025

Agreement to Terms

Welcome to Sage Wealth Capital. These Terms of Service ("Terms") govern your access to and use of our website, services, and content. By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy.

Important: If you do not agree to these Terms, please do not use our website or services. For investment advisory services, a separate Investment Advisory Agreement will govern the relationship between you and Sage Wealth Capital.

1. About Sage Wealth Capital
2. Use of Our Website
3. Investment Advisory Services
4. No Investment Advice on Website
5. Intellectual Property Rights
6. Disclaimers and Limitations of Liability
7. Indemnification
8. Third-Party Links and Content
9. Termination
10. Dispute Resolution
11. General Provisions
12. Contact Information

1. About Sage Wealth Capital

Sage Wealth Capital is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). Our registration does not imply a certain level of skill or training. We provide investment advisory services to individuals, families, and institutions.

Important Disclosures:

SEC Registration: Registration with the SEC does not constitute an endorsement of the firm by the Commission nor does it indicate that the advisor has attained a particular level of skill or ability.
Fiduciary Duty: As a registered investment advisor, we have a fiduciary duty to act in the best interests of our clients at all times.
Form ADV: Our Form ADV Part 2A (Firm Brochure) contains detailed information about our services, fees, conflicts of interest, and disciplinary history. It is available upon request or on the SEC's website at adviserinfo.sec.gov.

2. Use of Our Website

Permitted Use

You may use our website for lawful purposes only, including:

Learning about our investment advisory services
Accessing educational content and resources
Contacting us to schedule a consultation
Accessing your client portal (if you are a client)

Prohibited Conduct

You agree not to:

Use our website for any unlawful purpose or in violation of these Terms
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the operation of our website
Copy, reproduce, or distribute our content without permission
Use automated systems (bots, scrapers) to access our website
Impersonate any person or entity or misrepresent your affiliation
Transmit any viruses, malware, or other harmful code

Account Security

If you are provided with login credentials for our client portal or other secure areas, you are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

3. Investment Advisory Services

These Terms of Service govern your use of our website only. If you engage Sage Wealth Capital for investment advisory services, a separate written Investment Advisory Agreement will be required and will govern that relationship.

Important Notice

Investment advisory services are provided only to clients with whom we have entered into a formal Investment Advisory Agreement. The information on this website does not constitute an offer to provide investment advisory services and does not create an advisor-client relationship.

Key Terms of Advisory Services:

Client Agreement Required

All investment advisory relationships require a signed Investment Advisory Agreement that details services, fees, responsibilities, and terms.

Suitability and Best Interest

We provide investment advice that is suitable for you based on your financial situation, investment objectives, and risk tolerance. As a fiduciary, we act in your best interest.

Fee Structure

Our fees are disclosed in writing before you engage our services. We typically charge a percentage of assets under management, though fee arrangements may vary based on the services provided.

Termination

Either party may terminate the Investment Advisory Agreement according to the terms specified in that agreement, typically with written notice.

4. No Investment Advice on Website

Important Disclaimer

The information provided on this website is for general informational and educational purposes only. It does not constitute investment advice, a recommendation, or an offer to buy or sell any securities or investment products.

General Information Only

All content on this website, including articles, blog posts, charts, graphs, and other materials, is provided for informational purposes and should not be relied upon as a basis for making investment decisions. This information:

Is not tailored to your individual financial situation or objectives
May not be suitable for your particular circumstances
Should not be construed as personalized investment advice
May become outdated or inaccurate over time

Consult a Professional

Before making any investment decisions, you should consult with a qualified financial advisor who can evaluate your specific situation and provide personalized advice. We encourage you to schedule a consultation with us or another qualified professional before taking any action based on information found on this website.

No Guarantee of Results

Past performance is not indicative of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. Investing involves risk, including the possible loss of principal.

5. Intellectual Property Rights

Ownership

All content on this website, including but not limited to text, graphics, logos, images, videos, software, and other materials, is the property of Sage Wealth Capital or its content suppliers and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use this website for personal, non-commercial purposes. You may:

View and browse the website content
Download or print individual pages for personal reference

Restrictions

You may not, without our prior written consent:

Modify, copy, distribute, transmit, display, reproduce, or create derivative works from our content
Use our content for commercial purposes
Remove or alter any copyright, trademark, or other proprietary notices
Use our trademarks, service marks, or logos

6. Disclaimers and Limitations of Liability

Website "As Is"

This website and all content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of content
• Uninterrupted or error-free operation

Investment Risks

All investments involve risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives or that any account will be profitable. Different types of investments involve varying degrees of risk, and performance can fluctuate over time. Market conditions, economic factors, and other variables can impact investment results.

Limitation of Liability

To the maximum extent permitted by law, Sage Wealth Capital, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to:

• Your use of or inability to use this website
• Any errors or omissions in website content
• Investment decisions made based on website information
• Unauthorized access to or alteration of your data
• Any other matter relating to this website

Note: Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for consequential damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

7. Indemnification

You agree to indemnify, defend, and hold harmless Sage Wealth Capital, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

Your use or misuse of this website
Your violation of these Terms of Service
Your violation of any rights of another party
Any breach of your representations and warranties

8. Third-Party Links and Content

Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for any third-party websites or their content, products, or services.

Your Risk

You acknowledge and agree that we are not liable for any damage or loss caused by or in connection with your use of any third-party websites or resources. We encourage you to review the terms of service and privacy policies of any third-party websites you visit.

9. Termination

We reserve the right to terminate or suspend your access to our website, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the website will immediately cease.

Effect of Termination

All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to:

• Intellectual property rights
• Disclaimers and limitations of liability
• Indemnification obligations
• Dispute resolution provisions

Note: Termination of website access does not automatically terminate any Investment Advisory Agreement. Advisory relationships are governed by separate agreements with their own termination provisions.

10. Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or your use of this website shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA), except as follows:

Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights
Small claims court matters may be brought in small claims court if the claim qualifies

Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Sage Wealth Capital individually. To the full extent permitted by law, you agree that no arbitration or proceeding shall be joined with any other, no dispute shall be arbitrated on a class-action basis, and you waive any right to participate in a class action lawsuit.

Venue

If for any reason arbitration does not apply or is deemed unenforceable, you agree that any legal action or proceeding shall be brought exclusively in the federal or state courts located in New York County, New York, and you consent to the personal jurisdiction of these courts.

Important: Disputes arising from Investment Advisory Agreements may be subject to different dispute resolution procedures as specified in those agreements. FINRA arbitration may be required for certain investment-related disputes.

11. General Provisions

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the modified Terms.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Sage Wealth Capital regarding your use of this website and supersede all prior agreements and understandings relating to the subject matter.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely matches the intent of the original provision.

Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless in writing and signed by an authorized representative.

Assignment

You may not assign or transfer these Terms or any rights granted hereunder without our prior written consent. We may assign or transfer these Terms without restriction.

Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, war, terrorism, labor disputes, governmental actions, or technical failures.

12. Contact Information

If you have any questions about these Terms of Service, please contact us:

Sage Wealth Capital

Mailing Address

123 Financial District
Suite 500
New York, NY 10004

Phone

(555) 123-4567

Email

legal@sagewealthcapital.com

Acknowledgment and Acceptance

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.