Disclosures
PRIVACY POLICY
Please review our Privacy Policy for information on how we collect, share, and protect your personal information. If you would like to discuss limitations on sharing your personal information, please contact the MS Insentra LLC Compliance Department at (480) 563-2000 option 5 or compliance@mshowells.com.
TERMS & CONDITIONS
MS Insentra LLC (MSI) is an Insurance Marketing Organization. Securities are offered through M.S. Howells & Co., an affiliate registered broker-dealer and member firm of the Financial Industry Regulatory Authority (FINRA) and Securities Investor Protection Corporation (SIPC). MSH Capital Advisors LLC is an affiliate registered investment adviser with the U.S. Securities and Exchange Commission (SEC). The home office for all firms listed above is 23350 N. Pima Rd., Scottsdale, AZ 85255 and the main phone number is (480) 563-2000.
DISCLAIMERS OF LIMITATION OF LIABILITIES
This website is for informational purposes only. It is intended to be an overview and is subject to change. MSI is neither an attorney nor an accountant, and no portion of the website content should be interpreted as legal, accounting, or tax advice. No client or prospective client should assume that any information provided serves as the receipt of, or a substitute for, personalized advice from MSI, its agents, or from any other investment professional.
To the extent that any client or prospective client utilizes any economic calculator or similar interactive device contained within or linked to MSI’s website, 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 MSI, its agents, or from any other investment professional.
MSI 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 MSI’s website or incorporated herein, and takes no responsibility, therefore. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. Third-party vendors and their employees are not affiliated with or an employee of MSI.
Accordingly, the publication of MSI’s website should not be construed by any consumer and/or prospective client as MSI’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 MSI with a prospective client shall be conducted by an agent 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 MSI, please contact the state securities regulators for those states in which MSI maintains a notice filing. A copy of MSI’s current written disclosure statement discussing MSI’s business operations, services, and fees is available from MSI upon written request.
MSI does not and cannot guarantee uninterrupted, continuous, and secure access to its website. We reserve the right to restrict or terminate your access to the website or any feature or part thereof at any time and for any reason. We also reserve the right to temporarily suspend or permanently terminate any service, tool or feature contained in this website at any time and for any reason.
You agree to indemnify, defend, and hold harmless MSI and its officers, managers, members, employees, contractors, agents, licensors, service providers, subcontractors and suppliers from and against any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from your use of the website and any violation of these Terms and Conditions. If you cause a technical disruption of the website or the systems transmitting the website to you or others, you agree to be responsible for any and all losses, liabilities, expenses, damages and costs, including reasonable attorneys' fees and court costs, arising or resulting from that disruption. MSI reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with MSI in the defense of such matter.
RESTRICTIONS ON USE
MSI’s trademarks, trade dress, logos, service marks, slogans, copyrights, and other identifiers and intellectual property are the sole property of MSI. All content on this site, such as text, graphics, logos, images, and digital downloads is property of MSI or its content suppliers and protected by United States and international copyright laws. Information contained in this site may be printed for your personal, non-commercial use only.
In addition to the other restrictions on use set forth elsewhere in these Terms and Conditions, you may not modify, publish, adapt, transmit, participate in the transfer or sale, exhibit, distribute, display, reverse engineer, decompile, dissemble, perform, reproduce, create derivative works from, or in any way exploit any of the website content, in whole or in part. Downloading or copying website content is expressly prohibited except as provided herein. You may not download or copy any of the product or services listings, descriptions, or prices except as otherwise permitted herein, nor may you frame or utilize framing techniques to enclose any trademark, logo, or copyrightable or copyrighted material from the website or use any meta tags or any other hidden text utilizing our names or trademarks, without our express written consent. Permission is granted to download, print and store selected portions of the website content, provided you (1) only use these copies of the website content for your own personal, non-commercial use, solely for the limited purposes allowed hereunder and for no other purpose whatsoever, (2) do not copy or post the website content on any network computer or broadcast or otherwise publish the website content in print, electronic or any other media or format, (3) do not use the website content for presentations, correspondence or any other communications which are not directly related to your personal, non-commercial use, and (4) do not modify or alter the website content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any downloaded materials is transferred to you as a result of any such downloading. MSI reserves complete title and full intellectual property rights in all website content. Any other use of materials on this website, including reproduction for purposes other than those noted above, modification, distribution, or republication, without prior written permission of MSI, is strictly prohibited.
USE OF LINKS
If you choose to leave this site via a link contained herein and view content that is not provided by MSI, you do so at your own risk. The information being provided is strictly as a courtesy and we make no representation as to the completeness or accuracy of information provided at these websites. The content to which you link will not have been developed or otherwise reviewed by MSI. Nor is MSI liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information, and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the web sites you are linking to.
E-MAIL COMMUNICATIONS
When you send us an e-mail to inquire about our products and services, we collect your name and e-mail address and use this to reply to your inquiry. We use the email address you provide us so that we can send you e-mail communications about various matters such as information about new products and services and notifications and updates about existing products and services. You agree that we can send you such email communications. You can unsubscribe from one or more of our e-mail communications at any time by clicking the unsubscribe link at the bottom of any e-mail communication that you receive from us. To see what personal information we collect when you sign up for any of our on-line services, and how we use, share, store and protect that information, see the MSI Privacy Policy published on this website.
COOKIES POLICY
Cookies are small text files that are placed on your computer, mobile device or any other device by a website, containing details of your browsing history on that website among its many uses. Cookies can be persistent or session cookies. Persistent cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser. We use both session and persistent cookies for the purposes set out below:
Session Cookies
These cookies are essential to provide you with services available through the website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.
Persistent Cookies
These cookies allow us to remember choices you make when you use the website, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the website.
We use the following categories on our websites:
Essential Cookies
These are cookies that our website needs in order to function, and that enable you to move around and use its services and features. Without these necessary cookies, the website will not perform as smoothly for you as we would like it to and we may not be able to provide the website or certain services or features you request.
Performance Cookies
These cookies collect information about how you use our website — for instance, which pages you most frequently visit. This data may be used to help optimize our website and make it easier for you to navigate. These cookies do not collect information that identifies you. All information these cookies collect is aggregated and therefore anonymous.
We may use the following categories on our websites:
Advertising Cookies
We may use third-party advertising companies to serve ads when you visit our website. These companies may employ cookies to measure advertising effectiveness. If you would like more information about this practice and to know your choices about not having this information used by third-party advertising companies, see the Network Advertising Initiative's consumer website.
Analytics Cookies
Analytics cookies collect information about your use of the website that allow us to study, and then improve, how customers interact with the website. This is known as website analytics. Analytics cookies allow us to understand more about how many visitors we have to our website, how many times they visit us and how many times a user viewed specific web pages within our website. Although analytics cookies allow us to gather specific information about the pages that you visit and whether you have visited our website multiple times, we cannot use them to find out details such as your name or address.
Third-Party Cookies
These are cookies set by third parties (someone other than the owner of the website). Aside from setting cookies ourselves, we also allow third parties to set cookies during your visit to our website. These organizations provide us with information on how you use our website. They may also use cookies to promote our newest products and latest offers to you on other websites based on your activity on our website, or your activity on other websites that use the same cookies. For example, you may see products that you viewed on our website presented on other websites as you move around the internet. Some of our partners will use your location to provide more relevant messaging. We have no control over third-party cookies.
Social Media Cookies
Social media cookies are used to enable you to share pages and content you find interesting on our website through third-party social networking and other websites. These cookies may also be used for advertising purposes.
Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies. We do not store sensitive personal information, such as mailing addresses, account passwords, etc. in the cookies we use. For further information on how we use, store and keep your personal data secure, see our Privacy Policy.
If you prefer to avoid the use of cookies on the website, first you must disable the use of cookies in your browser and then delete the cookies saved in your browser associated with this website. You may use this option for preventing the use of cookies at any time. If you do not accept our cookies, you may experience some inconvenience in your use of the website and some features may not function properly. If you'd like to delete cookies or instruct your web browser to delete or refuse cookies, please visit the help pages of your web browser.
For the Chrome web browser, please visit: https://support.google.com/accounts/answer/32050
For the Internet Explorer web browser, please visit: http://support.microsoft.com/kb/278835
For the Firefox web browser, please visit: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
For the Safari web browser, please visit: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
For any other web browser, please visit your web browser's official web pages.
DISCLAIMERS
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 MSI), will be profitable or equal any historical performance level(s).
We are not FDIC insured. No Bank, State, or Federal Guarantee or insurance of funds is provided. MSI cannot guarantee any specific future financial results or provide any warranty against financial loss.
CALIFORNIA CONSUMER PRIVACY ACT (CCPA)
We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.
LICENSES
MS Insentra LLC or one of its principals is licensed in the following states:
AZ, CA, DE, FL, GA, NV, OH, OK, PA, TX
QUESTIONS?
If you have questions, please contact: (480) 563-2000 or compliance@mshowells.com.