Privacy Policy

By using this Web site you acknowledge that you have read and understood the following terms and conditions:

Please read these terms and conditions (the "Terms") carefully. By accessing any page of EST Capital Group Web site ("this Web site"), you agree to be bound by the Terms below. If you do not agree to the Terms, please do not access any pages of this Web site. These Terms are a legal document setting out your rights and obligations and those of the legal entity, which is providing investment management and/or custody services for your account through EST Capital Group with respect to this Web site. EST Capital Group conducts business through various operating subsidiaries of EST Capital Group Corporation. As used herein, the term "BNY Mellon" shall mean EST Capital Group Corporation and each of its subsidiaries and/or affiliates. No advice or information, whether oral or written, obtained by you through or from this Web site or from any conversation with a Bank of New York Mellon officer, employee or agent will operate to vary these Terms. These Terms may be amended by EST Capital Group at any time without notice to you. Your continued use of the Web site following any such changes will mean that you accept and agree to such changes.

1. CONTENT OF SITE
While care has been taken to ensure the information contained within this Web site is accurate and up-to-date, no warranty is given as to the accuracy or completeness of any information and no liability is accepted for any errors or omissions in such information. All products referred to on this Web site are subject to change without notice. EST Capital Group may amend the Web site and its products and services at any time with or without notice to you. You agree that EST Capital Group shall not be liable to you or to any third party for any amendment, modification, suspension, or discontinuance of the Web site or any products or services offered through the Web site.

The information about your portfolio holdings displayed on this Web site reflects information obtained from our portfolio management system and may not have been reconciled with the information contained in the official records concerning your account, which are maintained by your third party custodian. Therefore the information displayed about your portfolio holdings on this Web site may not be accurate and should not be relied upon for any purpose. If you need accurate information concerning your portfolio holdings, please contact your third party custodian.
EST Capital Group accepts no responsibility for any information contained in any Web site accessed via a hypertext link from this Web site. No other person/company may link their Web site into this Web site without the express written permission. The content, accuracy and opinions expressed in such Web sites are not checked, analyzed, monitored or endorsed by us. Access to any third party Web site is at your own risk. You agree that EST Capital Group has no responsibility or liability for third party Web sites and that EST Capital Group shall not be liable in any way for any damage or loss caused in relation to the content, goods, products or services available through such third-party Web sites.

2. USE OF THIS WEB SITE
You agree that you will only use the Web site in a way which is consistent with the Terms and which complies with applicable laws and regulations. In particular, you agree that you will not use the Web site to send or upload any material containing software, viruses or other codes, programs or files designed to interrupt, destroy, damage or limit the functionality of any computer software, hardware or telecommunications equipment or in any other manner which would interfere with or disrupt the Web site.

Important notice regarding email communications: If you wish us to purchase or sell any securities, or transfer any funds to or from any of your accounts, DO NOT send us such requests or instructions by email. Email is subject to mechanical and computer system failures and delays and therefore should not be used to send us time-sensitive information. When timely action in response to your message is desired, please telephone a member of your portfolio management team. EST Capital Group will not be responsible for any direct, indirect, special, incidental or consequential damages attributable in any way to your use of e-mail, including any damages caused by any failure or delay with respect to the receipt or response to any information sent to us via email.

3. PRODUCT AVAILABILITY
The information contained on this Web site does not constitute a distribution, an offer to sell or the solicitation of an offer to buy. Certain products that may be detailed on this Web site may only be available to persons in certain named countries. If you are accessing this Web site outside the United States, your local or United States legislation may not permit us to offer products for you in your own country. Please check with your portfolio manager as to whether such products are available in the country in which you are a resident

4. TAXATION
Except where stated otherwise, the contents of this Web site are based on EST Capital Group's interpretation of United States taxation law and practice as of the date such material was prepared. We can give no guarantee that tax benefits and/or the tax treatment of funds will remain the same in the future. The value of any tax benefits will depend on individual financial circumstances and the country of residence

5. AUTHORIZED USE
Any person is hereby authorized to view and copy the information available from this Web server for personal or educational purposes only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. The information and materials may not otherwise be reproduced, displayed, downloaded, licensed, modified, reposted, retransmitted, disseminated, sold, distributed, published, broadcast, circulated, used to create a derivative work or otherwise used for public or commercial purposes, without the express written consent of EST Capital Group and the relevant information providers. You also agree not to use the information for any unlawful purpose. You agree to comply with reasonable written requests by EST Capital Group to protect the information providers' and EST Capital Group's respective rights in the information

6. LIMITATIONS OF WARRANTIES AND LIABILITY
This information is provided "as is" and EST Capital Group specifically disclaims all warranties of any kind, expressed, implied or otherwise, including, but not limited to, all warranties of merchantability, fitness for a particular purpose, or non-infringement. There is no representation or warranty that the personalized home page services will meet any user's requirements, be uninterrupted, timely, secure or error-free. References to corporations, information providers, their services and products, are provided "as is" without warranty of any kind, either expressed or implied. In no event shall EST Capital Group be liable for any special, incidental, indirect or consequential damages of any kind (including, but not limited to, lost profits, goodwill, trading losses and damages) or any damages whatsoever resulting from loss of use or data, whether or not advised of the possibility of such damage or loss. EST Capital Group shall not be liable on any theory of liability arising out of or in connection with the use or performance of this information. EST Capital Group strongly cautions you against sharing any personal information, such as your Login ID or password, with anyone else. If you elect to share your personal information with companies such as advertisers or consolidators of financial information, you understand that the use of your information is governed by the policies and practices of those companies and not by the policies and practices of EST Capital Group. EST Capital Group makes no representations or warranties about any of these other companies or their privacy policies, and EST Capital Group has no liability or responsibility to its customers or visitors to this Web site in connection with them. Once you click through to or supply personal information to an unaffiliated Web site, EST Capital Group's privacy policies no longer apply. We strongly urge you to read the privacy policies of these other companies. Descriptions of, or references to, products, services or publications within EST Capital Group's Web server are provided for general information purposes only and do not imply endorsement approval of that product, service or publication. EST Capital Group makes no warranty of any kind with respect to the subject matter or products listed herein, or the completeness, accuracy or reliability of the information. This publication could include technical inaccuracies or typographical errors. Changes may be made at any time to the information herein without prior notice. Some jurisdictions do not allow limitations on how long implied warranties last, the exclusion or limitation of incidental or consequential damages or the exclusion of certain implied warranties, so that these disclaimers and limitations may not apply to you. EST Capital Group reserves its right to restrict, suspend or terminate your use of this Web site at any time in EST Capital Group's absolute discretion.