Terms of Use, Disclaimers, & Privacy Policy

October 17, 2024

This website (“Site”) is operated by Central Coast Financial Management (“Central Coast”, “we”, “us” and “our”) is a corporation based in California.

To understand the terms and conditions of use ofCentral Coast website (“Site”), as well as our Privacy Policy [see below], please read the following disclosures and legal notices. By using this Site and the information and services available through this Site, you agree to follow and be bound by these conditions of use in effect on the date(s) the Site is accessed by you. If you do not agree to these conditions, please do not use this Site.

Electronic Communication

The content of any electronic communication is likely to be reviewed by our members, officers, employees, contractors, and/or the regulators. This includes website properties, electronic mail, instant messages, and social networking sites such as Facebook and LinkedIn. These communications are archived for at least five years. While we prioritize electronic communication security, we cannot ensure the confidentiality of transmissions. Therefore, we advise against sending confidential information through unsecured electronic channels.

Informational Purposes Only; Not Professional Advice

The information provided on or via this Site aims to offer a broad overview and is intended solely for general information, discussion, and educational purposes. Nothing on this site constitutes tax, accounting, legal, insurance, regulatory, or any professional advice, nor an offer to sell or a solicitation of an offer to buy any security. It should not be relied upon as the sole basis for making any investment decision, entering into any transaction or for any other purpose.

The statements, claims, and commentaries on this Site are general opinions and expressions of the author or speaker and may not necessarily reflect our views or opinions.

All expressions of opinion are current as of the date published and may change without notice. These opinions do not guarantee future events. The author’s opinions, strategy, outlook, and views are subject to change. Therefore, any previous references should not be used to evaluate any future conditions or scenarios. These opinions should not be interpreted as legal, tax, or investment advice, or any professional advice applicable to your personal needs.

Central Coast and its representatives may only transact business or provide any professional advice in those states and international jurisdictions where it is registered, filed the required notices, and/or is otherwise excluded or exempted from any registration and/or notice filing requirements.

Media Releases

The mention of Central Coast or its representatives by a media organization or third-party entity should not be construed as advice, endorsement, or recommendation. Any opinions expressed in public appearances should not be considered legal, tax, or investment advice, nor any form of professional advice.

Forward-looking Statement

Any forward-looking statement found on this Site reflects our views only as of the date written and published, and actual results may differ from our expectations. The statements herein are subject to due diligence procedures, regulatory requirements, and prevailing or anticipated conditions. Unless otherwise expressly stated, statements on this Site are made only on the basis of information known to the authors as of the date of composition and relate partially to events that are changing or ongoing. All information and opinions contained on this Site are subject to change without notice.

We do not warrant or represent that the assumptions underlying any forward-looking statements are reasonable or guaranteed. While we use reasonable efforts to obtain information from sources believed to be reliable, we do not provide any express or implied warranty or representation regarding the accuracy, adequacy, reliability, or completeness of any opinions, estimates, statements, goals, targets, or other information on this Site.

Certain information contained on this Site have been obtained from published and non-published sources and/or prepared by third parties and in certain cases have not been updated through the date hereof. We have not independently verified such information, and we do not assume responsibility for the accuracy of such information or updating the information based on facts learned following its publication. Therefore, we do not commit to publicly updating or revising any forward-looking statements, except as required by law, in response to new information, future events, or other circumstances.

Important Disclaimers

General Investment Risks: All investments carry the risk of loss, including the loss of principal. Markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Past Performance: Past performance is not indicative of future results. Current performance may be higher or lower than the performance data presented. Investment returns and principal value will fluctuate, so that your assets, when redeemed, may be worth more or less than their original cost. The performance of any individual investment or investment strategy cannot be guaranteed.
Hypothetical Scenarios: Hypothetical or simulated performance results have certain limitations. Unlike actual performance records, simulated results do not represent actual trading and may not be impacted by brokerage and other slippage fees. Also, since the trades have not been executed, the results may under- or over-compensate for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs are generally designed with the benefit of hindsight. There is no guarantee that any account will or is likely to achieve profit or losses similar to those shown in hypothetical scenarios.
Conflicts of Interest: We strive to act in the best interest of our clients at all times. However, potential conflicts of interest can arise. For example, we may receive commissions or other fees from third parties based on our recommendations. We are committed to transparency in such situations and will provide disclosures at the time of the advice or transaction as required by applicable law. Detailed information about our business practices, affiliations, and compensation arrangements is available upon request and included inTrevin Kent's ADV Part 2BandBart Cutino's ADV Part 2B. Our investment advice is provided independently, though we may receive referral fees, commissions, or other compensation from affiliates or from our clients. Please review our disclosure documents for full details.
No Tax, Legal, or Accounting Advice: We do not provide legal, tax, or accounting advice as part of our services. Clients are advised to consult with qualified professionals for guidance on legal, tax, or accounting matters.
Regulatory Information: SEC Registration does not imply a certain level of skill or training and is not an endorsement by the SEC.

Legal Notices

Intellectual Property Rights

The Site and any information provided are intended for your personal, non-commercial use and viewing. You may download information for personal use, display it on your website, and print a hard copy for personal reference, on condition that you do not remove any copyright or other notices and acknowledge us. The content on this Site belongs to us or our licensors and is protected by copyright, patent, trademark, or other intellectual property laws. Unless otherwise expressly permitted, you may not reproduce, transmit, sell, display, distribute, publish, broadcast, circulate, modify, disseminate, or commercially exploit such information or services in any manner (including electronic, print, or other media now known or developed in the future) without our written consent. You may not use any information from this Site for unlawful purposes, and you must comply with our requests or those of our third party providers to protect their respective rights in the information and services.

Disclaimer of Warranties

Your use of the Site, its content, and any services obtained through the Site is at your own risk. The Site, its content, and any services obtained through the Site are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.

Further, we, including anyone associated with us, do not represent, warrant, or guarantee:

that the Site, its content, or any services obtained will be complete, secure, reliable, accurate, or available;
that the Site, its content, or any services obtained through the Site will be accurate, reliable, error-free, or uninterrupted;
that defects will be corrected, or that the Site or the server making it available are free of viruses or other harmful components or destructive code; and
that the Site or any services obtained through the Site will meet your needs or expectations.

Since we cannot guarantee that the Site or server will always be free of viruses, harmful components, or destructive code, it is your responsibility to implement adequate procedures and checkpoints to meet your specific requirements for antivirus protection and ensure the accuracy of data input and output. You should also maintain an external means to reconstruct any lost data separate from the Site.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

ADDITIONALLY, TO THE FULLEST EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL AS A RESULT OF YOUR USE OF THE SITE OR ANY SERVICES OBTAINED THROUGH THE SITE, OR FROM DOWNLOADING ANY MATERIAL POSTED ON IT OR ON ANY WEBSITE LINKED TO IT.

Limitation of Liability

YOUR USE OF THE SITE AND CONTENT IS AT YOUR OWN RISK. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE OR CONTENT IS TO STOP USING THE SITE OR CONTENT. TO THE FULLEST EXTENT PERMITTED BY LAW, CENTRAL COAST DISCLAIMS ALL LIABILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE OR CONTENT, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, OR OTHER INTANGIBLES, EVEN IF CENTRAL COAST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CENTRAL COAST DOES NOT GUARANTEE THAT THE SITE OR CONTENT IS SECURE, ERROR-FREE, OR UNINTERRUPTED. CENTRAL COAST IS NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS, OR CONFLICTS WITH THESE TERMS OF USE. THIRD PARTIES MAY MAKE UNAUTHORIZED CHANGES TO THE SITE OR CONTENT, AND CENTRAL COAST DISCLAIMS LIABILITY FOR SUCH CHANGES. IF YOU NOTICE ANY SUCH ALTERATIONS, PLEASE CONTACT US IMMEDIATELY AT [contact email] WITH A DESCRIPTION OF THE ISSUE AND THE URL AFFECTED.

Third-Party Linked Sites

We have not reviewed all the websites linked to the Site. When you click these links, you will leave our Site. Since we have no control over third-party websites, we are not responsible for their content, availability, or privacy practices. We do not endorse or adopt any content, advertising, products, or materials available on such sites. Any interaction with third-party sites is at your own risk, and you are subject to their terms of use. Additionally, we are not responsible for any third-party websites linked to our Site, and we may block any such links at our discretion.

Modifications

We may update these terms at any time without notice. We encourage you to review our terms regularly and make sure to check the effective date above.

By using the Site, you are agreeing to be bound by the then current version of these terms.

Contact Information

If you have questions or concerns about these terms, please contact us at:

Contact Person: Trevin Kent

Address: 299 Webster Street Monterey, CA 93940

Phone Number: (831) 275-2608

Email: office@centralcoastfm.com

Privacy Policy

Central Coast Financial Management (“Central Coast”, “we”, “us” and “our”) is a corporation based in California created this Privacy Policy to demonstrate its commitment to protecting the privacy of your information. This policy covers all of the products and services offered by Central Coast, and it applies to information collected from Central Coast website (“Site”), and other sources, such as by phone, electronic communications, seminars, webinars, and other events.

Personal Information we collect about you

We generally collect certain personally identifiable information that can be used to contact or identify you (“Personal Information). Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
IP addresses
Physical location
Other information which may be considered as Personal Information under applicable legislations and regulations

How we collect your Personal Information

We collect your Personal Information:

Directly from you as you provide them;
From a third-party, in certain situations.

How we use your Personal Information

We will use this information to fulfill any contracts between you and us, manage and respond to comments on our Site, administer our Site, and enhance them to ensure content is presented in the most effective manner, and maintain the safety and security of our Site.

Further, for any Personal Information you provide to us, we will use the Personal Information to send you direct marketing materials and information, unless you opt out of receiving them.

Use and disclosure

We share your Personal Information with our affiliates, service providers, and any subcontractors as necessary to provide you with our products and/or services. These parties include companies and individuals who perform functions on our behalf, such as hosting our website, processing payments, delivering products, analyzing data, providing customer service, offering products and/or services, promotions, and marketing assistance. Each of these parties is bound by a duty of confidentiality, meaning they are legally obligated to protect your information and use it only for the purposes for which it was disclosed. Working with these trusted partners allows us to provide you with seamless and efficient service while ensuring your Personal Information is protected.

When you share your Personal Information or interact in the public areas with other users, such Personal Information may be viewed by all users and may be publicly distributed outside our Site.

We may also disclose your Personal Information in order to:

Comply with any court order, law, or legal process, including responding to government or regulatory requests;
Enforce or apply our agreements, if any;
Protect us against legal liability;
Prevent and investigate possible wrongdoing in connection with the use of our Site; and/or
Protect our rights, property, or safety, as well as that of our customers or others.

We will use and disclose Personal Information for the particular purposes for which it was initially collected (“Primary Purpose”). We may also use Personal Information for a purpose other than the purposes specified in this policy (“Secondary Purpose”) if:

You have given your consent;
You would reasonably expect us to use or disclose the Personal Information for that Secondary Purpose; and/or
The Secondary Purpose is related to the Primary Purpose provided that it is not a sensitive Personal Information under relevant laws and regulations.

How we protect your Personal Information

We implement various security measures to protect your Personal Information when you enter, submit, or access it. We use encryption to transfer and store your Personal Information whenever possible. We also limit access to your Personal Information through access controls and confidentiality commitments. While we strive to maintain reasonable procedures to protect the confidentiality, security, and integrity of Personal Information obtained through our Site, we cannot completely ensure or warrant the security of any Personal Information you transmit to us.

Data retention

We will retain your Personal Information only for as long as is necessary for the purposes set out in this policy or as required by applicable laws and regulations. The criteria used to determine the retention periods include:

The length of time we have an ongoing relationship with you and provide services to you;
Whether there is a legal obligation to which we are subject (e.g., statutory retention obligations, such as tax or accounting requirements);
Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations).

When we no longer need your personal data, we will securely delete or anonymize it. If deletion is not possible due to exceptional circumstances, we will securely store your Personal Information and isolate it from any further processing until deletion is possible.

California Privacy Rights Act (“CPRA”Under this policy, and by law if you are a resident of California, you have the following rights:

The right to notice. You must be properly notified which categories of Personal Data, as defined under the CPRA, are being collected and the purposes for which the Personal Data is being used.
The right to access / the right to request. The CPRA permits you to request and obtain from us information regarding the disclosure of your Personal Data that has been collected in the past 12 months by us or our subsidiaries to a third-party for the third party’s direct marketing purposes.
The right to say no to the sale of Personal Data. You also have the right to ask us not to sell your Personal Data to third parties. You can submit such a request by visiting Do Not Sell My Personal Information.
The right to know about your Personal Data. You have the right to request and obtain from us information regarding the disclosure of the following:

The categories of Personal Data collected
The sources from which the Personal Data was collected
The business or commercial purpose for collecting or selling the Personal Data
Categories of third parties with whom we share Personal Data
The specific pieces of Personal Data we collected about You

The right to delete Personal Data. You also have the right to request the deletion of your Personal Data that have been collected in the past 12 months.
The right not to be discriminated against. You have the right not to be discriminated against for exercising any of your Consumer’s rights, including by:

Denying goods or services to you
Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties
Providing a different level or quality of goods or services to you
Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

The right to correct inaccurate Personal Data. You have the right to request us to correct inaccurate Personal Data, and upon verification, we will correct the data and notify third parties if the information has been shared, unless it is impossible or disproportionately difficult.
The right to limit sensitive information. You have the right to restrict us from using this sensitive Personal Information, as defined under the CPRA, for any purpose other than necessary purposes such as providing our services or fulfilling transactions.
The right to opt-out of automated decision making and of data sharing. You have the right to opt-out of automated decision making including profiling and prevent us from sharing your Personal Data with third-parties for advertising.

Exercising Your CPRA Data Protection Rights

In order to exercise any of your rights under the CPRA, and if you are a California resident, you can contact us at: office@centralcoastfm.com.

Third-party Websites

We provide links to third-party websites, each of which operates under its own privacy policy. We encourage you to review these policies carefully. Please note that third-party companies do not have access to any information stored with us.

Modifications

We may update this policy at any time without notice. We encourage you to review our policy regularly and make sure to check the effective date above.

By using the Site, you are agreeing to be bound by the then current version of the policy.

Contact Information

If you have questions or concerns about this policy, please contact us at:

Contact Person: Trevin Kent

Address: 299 Webster Street Monterey, CA 93940

Phone Number: (831) 275-2608

Email: office@centralcoastfm.com