IMPORTANT DISCLOSURE INFORMATION Sterling Investment Advisors, Ltd. (“Sterling”) is an SEC registered investment adviser located in Berwyn, Pennsylvania. Sterling and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which Sterling maintains clients. Sterling may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Sterling’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Sterling’s website on the Internet should not be construed by any consumer and/or prospective client as Sterling’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Sterling 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. For information pertaining to the registration status of Sterling, please contact the SEC or the state securities regulators for those states in which Sterling maintains a notice filing. A copy of Sterling’s current written disclosure statement discussing Sterling’s business operations, services, and fees is available from Sterling upon written request. Sterling 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 Sterling website or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.
Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by Sterling), will be profitable or equal any historical performance level(s).
Certain portions of Sterling’s we site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Sterling (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 Sterling, or from any other investment professional. Sterling is neither an attorney nor an accountant, and no portion of the web site content should be interpreted as legal, accounting or tax advice.
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 Sterling is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Sterling 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 adviser.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to Sterling’s web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Sterling, or from any other investment professional.
Each client and prospective client agrees, as a condition precedent to his/her/its access to Sterling’s website, to release and hold harmless Sterling, 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 Sterling.
Sterling Investment Advisors, Ltd., like all providers of personal financial services, are now required by law to inform their clients of their policies regarding privacy of client information. Sterling has been and continues to be bound by professional standards of confidentially that are even more stringent than those required by law. Therefore, we have always protected your right to privacy.
TYPES OF NONPUBLIC PERSONAL INFORMATION WE COLLECT
We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization.
PARTIES TO WHOM WE DISCLOSE INFORMATION
Simply put, we do not and will not sell your personal information to anyone, for any reason, at any time. For current and former clients, we do not disclose any nonpublic personal information obtained in the course of our practice except as required or permitted by law. Permitted disclosures include, for instance, providing information to our employees and, in limited situations, to unrelated third parties who need to know that information to assist us in providing services to you. In all such situations, we stress the confidential nature of information being shared.
PROTECTING THE CONFIDENTIALITY AND SECURITY OF CURRENT AND FORMER CLIENTS’ INFORMATION
We retain records relating to professional services that we provide so that we are better able to assist you with your professional needs and, in some cases, to comply with professional guidelines. In order to guard your nonpublic personal information, we maintain physical, electronic and procedural safeguards that comply with our professional standards.
Our website contains links to other web sites. Sterling Investment Advisors, Ltd. is not responsible for the privacy practices or the content of such websites.