Terms of Use

EFFECTIVE DATE: July 27, 2011

Welcome to the web site for Baldwin Wealth Management (“BALDWIN”) — also referred to hereinafter as the “Site.” This Site provides you with general information about the financial and other products and services of BALDWIN as well as with general financial educational materials and perspectives. PLEASE READ THESE TERMS OF USE CAREFULLY. By accessing and using this Site, you acknowledge that you have read, understand, and agree to be bound by all of the terms and conditions set forth below. We reserve the right to amend these terms of use from time to time by posting the amended terms on this Site.

NO OFFER, INVESTMENT ADVICE, OR PERFORMANCE GUARANTEES

Neither the information nor any opinion expressed on this Site constitutes an offer by BALDWIN to buy or sell any securities or financial instruments, or to provide any investment advice or service except in jurisdictions and states where we are appropriately filed or where an exemption or exclusion from necessary filing exists. The services, securities and financial instruments described on this Site may not be available to or suitable for you, and not all strategies are appropriate at all times. The value and income of any of the securities or financial instruments mentioned on this Site can fall as well as rise, and an investor may get back less than he or she invested. Foreign-currency denominated securities and financial instruments are subject to fluctuations in exchange rates that could have a positive or adverse affect on the value, price or income of such securities and financial instruments. Past performance is not necessarily a guide to future performance. Independent advice should be sought in all cases.

UNAVAILABILITY IN SOME JURISDICTIONS

None of the investment products or services mentioned on this Site is available, and prospectuses in respect of them will not be distributed, to persons resident in any state or territory where such distribution would be contrary to local law or regulation.

ACCESS TO THE SITE

The Site is made available to all persons aged 18 or older who agree to be bound by the terms and conditions set forth in these terms of use. For so long as you comply with these terms of use, we hereby grant you a personal, nonexclusive, nontransferable, revocable license to display, reformat and print up to two (2) copies of the content made available to you on the Site, solely for your personal use. You agree not to modify, reproduce, distribute, rent, lease, loan, sell, or create derivative works based upon the materials on the Site, or post any content from this Site to newsgroups, mail lists or electronic bulletin boards, without the prior written consent of an authorized representative of BALDWIN.

YOUR ACCOUNT

If you use the Site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password.

PRIVACY POLICY

Any personal information submitted by you on this Site is maintained in accordance with our Privacy Policy, the contents of which are as follows:

The following information is provided by Baldwin Wealth Management, LLC (BALDWIN), a Missouri limited liability corporation, as required by law, to help you understand our privacy policy and how we will handle and maintain confidential personal information as we fulfill our obligations to protect your privacy. “Personal information” refers to the nonpublic financial information obtained by BALDWIN in connection with carrying out our services.

Information We Collect

BALDWIN collects personal information as part of our relationship with you, to provide client services and fulfill legal and regulatory requirements. The type of information that BALDWIN collects may include:

Information BALDWIN receives from you on forms (such as name, address, Social Security number, assets, and income)
Information you provide BALDWIN directly about your personal finances or personal circumstances or which BALDWIN may receive from brokerage statements, custody statements, or other information you authorize BALDWIN to receive

Information Disclosed In Administering Products and Services

BALDWIN will not disclose personal information about current or former clients to non-affiliated third parties except as permitted or required by law. BALDWIN does not sell any personal information about you to any third party. BALDWIN will not disclose personal information without your authorization, except as required or permitted by law, even to affiliated third parties.

Procedures to Protect Confidentiality and Security of Your Personal Information

BALDWIN has procedures in place that limit access to personal information to those employees who need to know such information in order to perform business services. BALDWIN educates its employees on the importance of protecting the privacy and security of confidential personal information.

BALDWIN will update its policy and procedures when necessary to ensure that your privacy is maintained and that BALDWIN conducts business in a way that fulfills our commitment to you. If BALDWIN makes any material changes in its privacy policy, we will make that information available to you, our clients, through our Web site and/or other communications.

TAX CONSEQUENCES

Any investment products and services mentioned on this Site may have tax consequences. It is important to bear in mind that BALDWIN does not provide tax advice. The levels and bases of taxation can change. Your tax affairs are your own responsibility and you should consult your own attorneys or other tax advisers in order to understand the tax consequences of any investment products and services mentioned on this Site.

RESPONSIBLE BEHAVIOR

In addition to the obligations set forth above, you agree not to access or use this Site to:

a) reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of this Site, use of this Site, or access to this Site;

b) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;

c) forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted on this Site;

d) make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships;

e) make available any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

f) make available any content that is unlawful, harmful, threatening, tortious, defamatory, obscene, invasive of another’s privacy, or otherwise objectionable;

g) make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;

h) make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

i) interfere with or disrupt this Site or servers or networks connected to this Site, or disobey any requirements, procedures, policies or regulations of networks connected to this Site;

j) intercept, collect or store personal data about current or former clients of BALDWIN or any other visitors to this Site; or

k) violate any applicable local, state, national or international laws or regulations.

LINKS TO THIRD PARTY WEBSITES

This Site may contain links to other Web sites, including links to the Web sites of companies that provide related information, products and services. These links are solely for the convenience of visitors to this Site, and the inclusion of such links does not necessarily imply an affiliation, sponsorship or endorsement. BALDWIN makes no representations whatsoever regarding such third party Web sites. You should review the privacy policies of other Web sites carefully before providing any information to such sites. We are not responsible for the content or availability of third party Web sites, and shall not be responsible or liable for any information, opinions, advice, products, or services available on or through such third party Web sites.

LINKS TO THIS WEB SITE

We ask that you notify us in advance of your intention to link to the Site by e-mailing us at [email protected]. You may not (i) display this Site in frames, or (ii) display any of the content found on this Site via inline links, without express written permission from an authorized representative of BALDWIN.

OUR RIGHTS IN THIS SITE

This Site contains copyrighted material, trademarks, and other proprietary information and is protected by United States and international copyright laws. BALDWIN reserves all right, title and interest in and to this Site and all materials, information, and compilations of information available on or through this Site, as well as the domain name, design, layout, and “look and feel” of this Site, the trademarks, service marks, and trade dress related thereto, and all other intellectual property and other proprietary rights embodied therein and appurtenant thereto. You agree that you will have no rights in or to any of the foregoing, expressed or implied, other than the rights expressly granted in these terms of use, or otherwise expressly granted to you in writing by an authorized representative of BALDWIN.

DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. BALDWIN MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR STATUTORY, REGARDING YOUR ACCESS TO OR USE OF THIS SITE, OR THE PRODUCTS, SERVICES OR INFORMATION DESCRIBED ON OR AVAILABLE THROUGH THIS SITE. WITHOUT LIMITING THE FOREGOING, WE EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT OF THIRD-PARTY RIGHTS. THIS SITE INCLUDES FACTS, VIEWS AND OPINIONS OF INDIVIDUALS AND ORGANIZATIONS DEEMED OF INTEREST. NOTHING CONTAINED ON THIS SITE SHALL BE CONSTRUED AS AN ENDORSEMENT OF THESE VIEWS OR OPINIONS.

LIMITATIONS OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BALDWIN OR OUR AFFILIATES, PARENT COMPANY, DIRECTORS, OFFICERS, AGENTS, EMPLOYEES OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE, OR SIMILAR DAMAGES (INCLUDING LOSS OF USE, LOSS OF PROFITS OR LOSS OF DATA) ARISING OUT OF OR RELATED TO THIS SITE OR YOUR USE OF THIS SITE, OR FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON THE INFORMATION PROVIDED ON OR AVAILABLE THROUGH THIS SITE, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL CUMULATIVE LIABILITY OF BALDWIN AND OUR AFFILIATES, PARENT COMPANY, DIRECTORS, OFFICERS, AGENTS, EMPLOYEES AND LICENSORS ARISING FROM OR RELATED TO THIS SITE AND YOUR USE OF THIS SITE, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS PAID BY YOU TO ACCESS AND USE THIS SITE IN THE TWELVE (12) MONTHS PRECEDING THE FIRST SUCH CLAIM, OR (B) ONE HUNDRED DOLLARS ($100). THE EXISTENCE OF ONE OR MORE CLAIMS SHALL NOT INCREASE THIS LIMITATION.

GOVERNING LAW; JURISDICTION

These terms of use and the relationship between you and us relating to your use of this Site shall be governed by and interpreted in accordance with the laws of the State of Missouri, without regard to any conflict of laws principles that would require the application of the laws of a different jurisdiction. You agree to submit to the personal jurisdiction of the state and federal courts located within St. Louis or St. Louis County, Missouri for any dispute, claim or action arising out of or related to your use of this Site or these terms of use, and hereby waive any objections to the jurisdiction or venue of such courts.

ASSIGNMENTS

You may not assign or delegate any right or duty under these terms of use or related to this Site without the prior written consent of an authorized officer of BALDWIN. Any attempted assignment or delegation without such consent will be null and void from the beginning and without further effect. We may assign any right or duty under these terms of use or related to this Site with or without notice to you. Subject to the foregoing, these terms of use will be binding upon and will inure to the benefit of you and us, and each of our respective representatives, heirs, administrators, successors and permitted assigns.

CHANGES TO THESE TERMS OF USE

We reserve the right to amend these terms of use from time to time by posting the amended terms on this Site. We will notify you of these changes by updating the “Effective Date” for these terms of use, or by posting a notice on our Site that the terms of use have been changed. However, it remains your responsibility to review the terms of use, and your continued use of this Site after we have amended the terms of use shall signify your acceptance of the amended terms. These terms of use may be modified by you only by obtaining the prior written consent of an authorized representative of BALDWIN.

WAIVER

No duty or breach of these terms of use may be waived by any act, omission or knowledge by us, except by an instrument in writing expressly waiving the duty or breach and signed by an authorized representative of BALDWIN. Any waiver (express or implied) by us of any duty or breach will not constitute a waiver of any other or subsequent duty or breach.

CONTACTING US

If you have questions about these terms of use, the Privacy Policy for this Site, or any other questions concerning this Site, please contact:

Baldwin Wealth Management
225 South Meramec Ave., Suite 500 A
St. Louis, MO 63105
(314) 395 3648

ENTIRE AGREEMENT

These terms of use constitute the entire agreement between you and us with regard to your access to and use of this Site, and supersede all prior and contemporaneous negotiations, statements and agreements, whether written or oral, relating to the subject matter hereof. In the event any provision of these terms of use is judicially determined to be invalid or unenforceable, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent permitted under applicable law, and the remaining provisions will continue in full force and effect.

INTELLECTUAL PROPERTY NOTICES.