Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") govern your use of the Cavalcade Associates website and services. By accessing our website or engaging our advisory services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

Description of Services

Cavalcade Associates is a registered investment advisor providing:

• Investment advisory and wealth management services
• Financial planning and analysis
• Risk management and assessment
• Tax optimization strategies
• Estate planning coordination
• Institutional advisory services

Our services are provided pursuant to separate written advisory agreements that contain specific terms and conditions applicable to each client relationship.

Investment Advisory Relationship

Fiduciary Duty

As a registered investment advisor, we owe our clients a fiduciary duty, which includes the duty of care and the duty of loyalty. We are required to act in your best interest and provide advice that is suitable for your individual circumstances.

Investment Risks

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Market conditions, economic factors, and other variables can affect investment performance. You should carefully consider your investment objectives, risk tolerance, and financial situation before making investment decisions.

Suitability

We will make investment recommendations based on information you provide about your financial situation, investment objectives, and risk tolerance. It is your responsibility to provide accurate and complete information and to notify us of any material changes to your circumstances.

Fees and Compensation

Our fee structure is disclosed in our Form ADV Part 2A (our "Brochure") and in your advisory agreement. Fees may include:

• Asset-based management fees
• Fixed fees for specific services
• Hourly fees for consulting services
• Performance-based fees (where permitted by law)

All fees are disclosed in advance and agreed upon in writing. You may also incur additional costs such as custodial fees, transaction costs, and fund expenses that are separate from our advisory fees.

Client Responsibilities

As our client, you agree to:

• Provide accurate and complete financial and personal information
• Notify us promptly of any material changes to your circumstances
• Review account statements and reports carefully
• Maintain adequate insurance coverage as appropriate
• Comply with all applicable laws and regulations
• Pay fees and expenses as agreed

Website Use and Restrictions

Permitted Use

You may use our website for lawful purposes related to learning about our services. You may not:

• Use the website for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the website's operation or security
• Copy, distribute, or modify website content without permission
• Use automated systems to access the website

Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Cavalcade Associates or our licensors and is protected by copyright and other intellectual property laws.

Disclaimers and Limitations

No Guarantee of Performance

We do not guarantee any specific investment performance or outcome. All investments involve risk, and you may lose money. Past performance is not indicative of future results.

Website Information

Information on our website is for general informational purposes only and should not be considered personalized investment advice. We make no representations about the accuracy, completeness, or timeliness of website content.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these external sites.

Termination

Either party may terminate the advisory relationship as specified in the advisory agreement. Upon termination, you will be responsible for fees incurred through the termination date, and we will assist with the orderly transition of your account.

Dispute Resolution

Any disputes arising from our advisory relationship will be resolved according to the dispute resolution provisions in your advisory agreement. This may include arbitration through FINRA or another qualified arbitration forum.

Governing Law

These Terms are governed by federal securities laws and the laws of the jurisdiction where our principal place of business is located, without regard to conflict of law principles.

Changes to Terms

We may modify these Terms at any time by posting updated terms on our website. Material changes will be communicated to clients in advance. Your continued use of our services constitutes acceptance of the modified terms.

Contact Information

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