COMPANY POLICIES

ALL COMPANY POLICIES AND DISCLAIMERS

ALL POLICIES AND DISCLAIMERS

Below are all the company policies. Click on the Tab you want to read the policies.

LEGAL DISCLAIMER

LEGAL DISCLAIMER


The MG Capital Group Inc., is not a licensed securities dealer, broker or US investment adviser, or certified public accountant. None of the information contained herein constitutes a solicitation for any purpose in any form or content, nor an offer to sell and/or buy securities and or properties. Any completed transaction is strictly one of private placement, and is in no way relying upon, or relating to the United States of America Securities act of 1933, as amended, or related regulations. Merely describing the details of an existing private placement program does not constitute an offer or solicitation of any kind and, if presented, is done so as a request for information.

MG Capital Group Inc. (or “MGCG”, or "MGCF"or “MG Capital”) makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of this website.


No part of this website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind.


No part of this website is intended to constitute a contractual offer capable of acceptance. No goods and / or services are sold through this website and product and / or service details are provided for information purposes only.


Whilst every effort has been made to ensure that all graphical representations of products and / or descriptions of services available from MGCG correspond to the actual products and / or services, MGCG is not responsible for any variations from these descriptions.
MGCG does not represent or warrant that such products and / or services will be available from us or our premises. For this reason, please contact us prior to visiting if you wish to enquire as to the availability of any products and / or services. Any such enquiry does not give rise to any express or implied warranty that the products and / or services forming the subject matter of your enquiry will be available upon your arrival at our premises.


All pricing (if any) information on the website if any is correct at the time of going online. MGCG reserves the right to change prices and alter or remove any special offers from time to time and as necessary. All pricing information is reviewed and updated every year in the event that pricing is shown on the site.


Alternative Investment Disclaimer
MG Capital Group Inc. is not a United States Securities Dealer, NFA/CFTC Member, or United States Investment Advisor. All articles and related documents are never considered to be a solicitation for any purpose, in any form or content. Upon reading the articles and information on this website, you hereby acknowledge this warning and Disclaimer. All information provided is for informational purposes only, and shall not be relied upon as personal financial advice. Any reference to a specific trading strategy is only to assist in learning, and shall NEVER be relied upon when making future investment decisions.

Futures, Forex, Hedge Funds, Private Equity, Private Placement, and all other forms of alternative investing involve a substantial risk of loss and may not be suitable for all investors. All investors must evaluate the alternative investment they are interested in, and shall not rely upon the opinion of MG Capital Group, or any of its affiliates, partners or brokers. The potential investor must assess any references to a specific company or trading strategy, and therefore, there is no liability incurred by MG Capital Group for any event occurring as a result of these opinions or references.

Past performance may show the history of the trader, but is not necessarily indicative of future trading results. Trading advice is based on information taken from trade and statistical services, and other sources which MG Capital Group believes to be reliable. We do not guarantee that such information is accurate or complete, and it should not be relied upon as such. Trading advice reflects our judgment at a specific time and is subject to change without notice. There is no guarantee that ANY advice provided by MG Capital Group will result in profitable trades or investment decisions. All trading and investment decisions should be made by the account holder, and shall not be based upon information derived from this website, or any employee of MG Capital Group Inc.

MG Capital Group and its members shall not be liable for any actions resulting from the reading, application, communication, or redistribution of any material provided on this website.

Asset Protection Disclaimer
Though MG Capital Group may refer to methods of asset protection; all material and articles are for informational purposes ONLY. Any information derived from this website regarding asset protection and foreign incorporation shall NOT be considered when making related decisions in the future. All material is of the highest integrity and has been thoroughly researched, but MG Capital Group Inc. makes no guarantee as to the accuracy or changing nature of this information. In addition, as with all information on this website, MG Capital Group Inc. and its employees are not liable for any for any actions resulting from the reading, application, communication, or redistribution of this material.


MG Capital Group Inc. is not to be considered a licensed tax advisor, and shall NOT be relied upon for tax or investment advice. Tax regulations vary between jurisdictions, and each reader is subject to tax and reporting laws in their country of residence.  Every reader must acknowledge and obey their local tax laws, and shall NOT consider information from this site when making tax related decisions. All information related to taxes shall not be relied upon in any way, as MG Capital Group Inc. makes no warranties or claims to the accuracy of this material.


Blog/Forum Disclaimer
Posts/Comments: All comments posted by readers are the sole opinion of the author (“reader”), and do not reflect the opinions of MG Capital Fund, or any of its members. MG Capital Group Inc. shall NOT be held responsible for the accuracy or legitimacy of any information posted by its readers, or its employees.  Anyone who chooses to engage in a financial transaction/business deal with someone they have met through 
MG Capital Group Inc., it’s Blog, Forum or website, MUST do so at their OWN RISK! MG Capital Group Inc. shall NOT be held liable for damages/compensation for ANY business deal, or financial transaction, originating through mgcgcorp.com, its Forum, Blog, or employees.  All material on mgcapital.fund and mgcapitalfunding.com, its Blog, and Discussion Forum, shall NEVER be relied upon when making future decisions. MG Capital Group Inc. does not endorse, guarantee, or support any information on mgcgcorp.com, mgcapital.fund and mgcapitalfunding.com, and shall NOT incur liability for any action resulting from the use of any of  its material.


For those of you who complain about reader comments, please research the Communications Decency Act or “CDA”, 47 U.S.C. § 230.  Because this important law is not well known, we want to take a moment to explain it, and how it protects MG Capital Group Inc. and all of its members. For even further detail, please click here for a Wikipedia article which covers every aspect of the law.
Because the comments on mgcgcorp.com, mgcapital.fund and mgcapitalfunding.com are authored by users of the site, we cannot be legally regarded as the “publisher or speaker” of the posts contained here, and hence are not liable for comments even if they contain false or inaccurate information.


The reason for this rule is simple. Websites cannot possibly monitor the accuracy of the huge volume of information which their users may choose to post. If a disgruntled plaintiff were permitted to hold a website liable for information that the site did not create, this would stifle free speech as fewer and fewer sites would be willing to permit users to post anything at all!! For an example, please refer to Batzel v. Smith, 333 F.3d 1018, 1027-28 (9th Cir. 2003) ( “Making interactive computer services and their users liable for the speech of third parties would severely restrict the information available on the Internet”. Therefore, Section 230 of the CDA sought to prevent lawsuits from shutting down websites and other services on the Internet.


In general, each and every lower federal district and federal appellate court that has construed the CDA has maintained that websites like mgcgcorp.com  mgcapital.fund and mgcapitalfunding.com are immune from virtually every type of civil liability when the site has been sued based on information posted by a third party. See Doe v. America Online, Inc., 783 So.2d 1010 (Fl. 2001); Green v. America Online, 318 F.3d 465, 470 (3rd Cir. 2003) (noting that the CDA, “‘precludes courts from entertaining claims that would place a computer service provider in a publisher’s role,’ and therefore bars ‘lawsuits seeking to hold a service provider liable for its exercise of a publisher’s traditional editorial functions – such as deciding whether to publish, withdraw, postpone, or alter content.’”); Carafano v. Metrosplash.com, Inc., 339 F.3d 1119 (9th Cir. 2003); Schneider v. Amazon.com, Inc., 31 P.3d 37 (Wash.App. 2001); Doe v. GTE Corp., 347 F.3d 655 (7th Cir. 2003); Zeran v. America Online, Inc., 129 F.3d 327 (4th Cir. 1997); Blumenthal v. Drudge, 992 F. Supp. 44 (D. D.C. 1998).


External Linking: Please be aware that some of the sites that you may link to through on our website are not supported by MG Capital Group Inc., and are maintained by outside entities. Because the material made available on these sites is not under the control of 
MG Capital Group Inc., we make NO representation to you about these sites, or the material you may find. The fact that MG Capital Group Inc. has linked to these sites does not constitute an endorsement or recommendation of any kind. The links to these sites are being provided only as a convenience to you, and are strictly for informational purposes only. MG Capital Group Inc. does not support the information of any other website or company, and shall NOT be held liable for damage occurring from any website it links to, or is linked from.


Privacy: When any visitor posts a comment/thread, MG Capital Group Inc. is automatically notified and receives general information (IP address, email, name) pertaining to the commenter. This information is stored by MG Capital Group Inc. to moderate comments, and will remain completely private. If you have concern with the way your information is used, please contact MG Capital Group Inc. directly to arrange for immediate deletion. Removal of all personal information will result in the loss of any content the commenter might have contributed to the Blog/Forum, including all posts and stored data.


Blog/Forum Content: All contents of this Blog/Forum, except for comments, constitute the opinion of the Author, but do NOT represent the views or opinions of MG Capital Fund. The Author is not an investment advisor, tax professional, or licensed broker, and you should NEVER substitute information from our website, Blog, or Forum for information obtained from an experienced professional. To encourage safety, we recommend you to always consult with a licensed advisor before making any decisions related to information on this website. The content of this Blog, Forum, and website are not intended to cause harm, but if you have any concern about any of its contents, please contact MG Capital Group Inc.. Disagreeing with the content of the website does not constitute sufficient grounds for you to request MG Capital Group Inc. to remove or modify any comments, posts, or information contained on this website. Removals will be judged on a case by case basis, and are not granted upon request.


Copyright Policy: All text, images, and other content on this website is the property of MG Capital Group Inc., unless noted otherwise. You are NOT allowed to reproduce, sell, or modify any part of this Blog, Forum, or website, and those who violate this policy may face criminal prosecution. You are welcome to link to our Blog/Forum, and discuss its contents in a respectful manner, which we greatly encourage. When you quote or link to our Blog/Forum, please include the website name in your link. Unless specified by MG Capital Group Inc., no one is authorized to use the content of this website for personal profit. THE UNAUTHORIZED COPYING, REPRODUCTION, MODIFICATION, REPUBLISHING, UPLOADING, POSTING, TRANSMITTING, OR DUPLICATION OF ANY MATERIAL ON THIS WEBSITE IS PROHIBITED.
Limitations of Liability: IN NO EVENT SHALL THE AUTHOR, OR MG CAPITAL GROUP INC, BE LIABLE FOR ANY DAMAGES OR LOSSES RELATED TO THIS WEBSITE. THE AUTHOR’S LIABILITY FOR ANY CLAIM IS LIMITED TO THE GROSS MONTHLY AMOUNT PAID BY THE AUTHOR FOR HOSTING SERVICES DURING THE ONE MONTH PERIOD IMMEDIATELY FOLLOWING THE DATE OF THE CLAIM. Each reader acknowledges that they have entered into this Agreement by visiting our website, relying and recognizing the limitations of liability stated herein. Without limiting the foregoing, MG Capital Group Inc. shall not have any liability for any failure or delay resulting from any condition beyond its reasonable control. As stated prior, MG Capital Group Inc. is not liable for the content of any comments which visitors, or authors, may post on this Blog, Forum, or website (see Comment policy).


Obligation to Indemnify:  By visiting this website, you agree and recognize that MG Capital Group Inc., its readers, employees, and owners (collectively “Indemnified Persons”) will be held completely harmless from any and all third party claims, liability, loss, and expenses (including but not limited to: damage awards, settlement amounts, legal fees, civil suits, etc.).


Additional DISCLAIMER 


MG Capital Group Inc is a private consulting firm and is not an Investment Advisor, Financial Agent or Broker, Tax Attorney, Legal Consultant or Attorney at Law.


MG Capital Group Inc is committed to use due diligence in furthering Client’s best interests and will and to provide unprejudiced specialized services with best of its knowledge, skills and expertise, undivided loyalty uncompromised by conflicts of interests and maintain professional code of conduct without any discrimination; however, MG Capital Group Inc doesn’t extend any guarantee or warranty of the successful / desired outcome of the services / application.


MG Capital Group Inc doesn’t constitute any representation, warranty or guarantee of any kind whatsoever, and will not stand liable for any direct or indirect loss, loss of profit, personal / business opportunities, emotional disturbances, special or consequential damages arising out of or in connection with any delay in performance or non-performance, due to what so ever the reason may be.


MG Capital Group Inc makes every effort to ensure that the information on its all marketing / advertising material, print collaterals, emails, website and service agreement is accurate and up-to-date with a sole purpose of education, reference and illustration and cannot be considered as an authoritative guide or reference on the latest business market and industry trends, also, we cannot and would not accept any obligation and responsibility for any errors, omissions, loss, damage or inconvenience caused by reliance on this content.


Any / all information about any investment opportunity or business listing is directly received from the Entrepreneurs or Businesses on AS IS basis which is deemed reliable but not guaranteed. We don’t verify or control any of such information. MG Capital Group Inc is not responsible for and does NOT warrant any statements, projections or any information provided by the business or entrepreneurs. Investor’s will be solely responsible for authentication, verification and due diligence of any such information and business operations.


By reviewing and signing this disclaimer, User confirms and understands that MG Capital Group Inc has NOT performed an independent investigation of the business or figures quoted during mergers or acquisition process. We strongly recommend that a Buyer or Sellers should seek legal and accounting advice prior to finalizing any Business transaction.


Any of the user on this website also acknowledges, that he/she fully understands and acknowledges the fact the MG Capital Group Inc is the legal owner of this website and portal and is a business brokerage and management consultancy firm who charges the management fee, success fee, subscription fee and commission as per their own business model. MG Capital Group Inc doesn’t take any responsibility of the content and its authenticity of whatsoever the nature may be for such third-party listings.


We endeavor to keep the information on this site up to date and correct, but is not necessarily comprehensive, complete, accurate or up to date hence we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

 

TERMS AND CONDITIONS



Terms and Conditions

1. Introduction
1.1. Definitions and Interpretation
In this Agreement the following terms shall have the following meanings:

“Content” means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Website;

“MGCF” means MG Capital Fund (or MG Capital Funding); "MGCG" means MG Capital Group Inc.

“Service” means collectively any online facilities, tools, services or information that MGCF  makes available through the Website either now or in the future;

“Premises” means our registered place(s) of business.

“System” means any online communications infrastructure that MGCG makes available through the Website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;

“User” / “Users” means any third party that accesses the Website and is not employed by MGCG and acting in the course of their employment; and

“The Site” means the MGCG owned domains/websites that you are using, including, but not limited to (www.mgimf.com
MG Investment Management Fund, www.mgfams.com MG Financial Asset Management Service, www.mgcapital.fund MG Capital Fund, www.mgcapitalgrp.com MG Capital Group, www.mgwmc.com MG Wealth Management Capital/Company) and any sub-domains of this site (e.g. http://news.mgcapital.fund) unless expressly excluded by their own terms and conditions.

“MGCG Owned Websites” means controlled, majority owned or Where MGCG controls the Data or Content of a website.

1.2. Terms
The Site is provided to you subject to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy before using our Site. By using our Site you are agreeing to be bound by these Terms and our Privacy Policy. If you don’t agree to these Terms or our Privacy Policy, you should stop using and accessing the Site. If you breach any of these Terms, your right to access and use the Site will cease immediately.

1.3. These Terms explain:
Our Terms of Business
How our Sites operate
What you can do with our content
What we can do with things you post
Your rights and responsibilities
1.4. Updating these Terms
We may update these Terms at any time. We will let you know what these changes are by posting them to this page, but it is your responsibility as a user to make sure you’re aware of them, by checking for any changes on a regular basis. Changes will become effective as soon as they are posted. If you continue to use our Site after the posting of changes to these Terms, your use of the Site indicates your agreement to be bound to the new Terms.

2. What we do
Our Site is all about sharing information on trade finance, invoice finance and business funding. We provide regularly updated trade information and news, finance tools and products, as well as our macro-economic views on the economy, and how businesses can finance their growth. After many of our articles you’ll find a link to discuss the articles with other MGCG users. The information you read on our Site is a great starting point for your further research into what suits your particular business financing requirements.

3. Terms of Business
3.1. This section gives details of our Terms of Business. Please note that these apply in addition to the Privacy Policy, which you may consult here. Read our full Terms of Business and Commitment here.

4. Privacy Policy
We take your privacy seriously. Please read our Privacy Policy to see how we collect, use and protect your personal information.

5. Links
Links on our Site
5.1. Our Site includes details on, or links through to, information provided by other websites. We don’t control the accuracy or completeness of that information and cannot accept any responsibility for the content of those websites. You take full responsibility for using that information and verifying it and for any decision to use, purchase or refrain from purchasing any of the services or products mentioned on a linked site. If you do purchase products or services from another website, please read its contract carefully before deciding to buy. Remember: your contract for those products or services will be with that website or company, not us.

5.2. When you use other websites, any personal information you give them will be dealt with in line with their privacy policies, not ours, so please read the privacy policies of each and every such website before using them.

5.3. Some of the links included on our Site are affiliate or paid for links. These are links which take you directly or indirectly to a financial or other product provider and which may result in us receiving a fee or commission as a consequence of you clicking through to its site or purchasing a product from it. However, our impartiality is important to us so we ensure our content is independent.

Links from your website
5.4. You are only permitted to link to our Site with our prior written consent provided you:

5.4.1. comply with these Terms and all applicable laws;

5.4.2. do not use any of our trade marks or logos;

5.4.3. link only to those pages (including our homepage, where relevant) we have given you our permission to link to;

5.4.4. do not in any way imply that we are endorsing you, your website, or its products or services;

5.4.5. do not misrepresent your relationship with us or present false information about us;

5.4.6. do not infringe any intellectual property or other rights of any person or otherwise breach all relevant laws and regulations;

5.4.7. do not have content in your website that could be considered distasteful or offensive.

If you breach these terms, we have the right to require that your link is removed and to take whatever other action we think appropriate.

6. Our content
6.1. All of the content on our Site is owned by us or our licensers and is protected by English and international copyright laws. Please note, the material located on our site is for informational purposes only, is general in nature, and is not intended to and should not be relied upon or construed as a legal opinion or legal advice regarding any specific issue or factual circumstance.

6.2. Our content includes any information, features of, or other material found on our Site. None of our content may be republished, posted, transmitted, stored, sold, distributed or modified without our prior written consent.

7. User content
7.1. When you post content or comments on our Site, you agree and represent that you have created that content. You still own any copyright in the text that you post on our Site. However, when you post text, images, video or other media, you expressly grant us a perpetual, fully transferable, worldwide royalty-free license to republish that text on our Site and to use/redistribute/make available and/or sell that text in any format and on any platform, either now known or hereinafter invented anywhere in the world as part of an edited compilation or otherwise. We may automatically track certain contextual links in your Comments posts, whether through Skimlinks or through our own technology.

7.2. We, or authorized third parties, reserve the right to cut, crop, edit or refuse to publish your content at our or their sole discretion. We may remove your content from use at any time. You acknowledge and accept that the technical requirements of our Site may result in changes to your content to conform with it. We take no responsibility for the deletion or failure to store postings of user content submitted by you or other Site users.

7.3. If you’re aged under 16 you confirm you have the permission of your parent or guardian to submit content to us.

8. Forum/social media
8.1. We encourage debate and the sharing of information between our users. However, we do require that your use of your views in our Comments, Social Media and any other communication systems that we provide is lawful and in accordance with our Rules which are incorporated into these Terms.

8.2. We accept no liability for user content on the Site provided by yourself or by others, including any reliance on the accuracy or completeness of such user content. You acknowledge and accept that user content posted on our Site is the opinion of the person posting only and in no way reflects our opinions or attitudes. You further acknowledge and accept that we have no obligation to moderate any content posted by you and other users on the Site.

8.3. You warrant that the content you post does not contain extremist views, appear to incite or promote terrorist activities and is not obscene, fraudulent, libellous, threatening, harassing, abusive, hateful or embarrassing to any other person as determined by us in our sole discretion, or illegal. You further warrant that the content you submit to us does not infringe any intellectual property right or proprietary or privacy right of any party or individual.

You agree not to:

8.3.1. post or transmit advertisements for or solicitations of business (whether openly, or under the false guise of an unconnected party);

8.3.2. after receiving a warning or otherwise being banned from the Site, continue to disrupt the normal flow of dialogue, post or transmit comments that are not related to the topic being discussed;

8.3.3. post or transmit chain letters or pyramid schemes;

8.3.4. impersonate another person;

8.3.5. disguise the IP address of the connection used to post any message;

8.3.6. post or transmit any files containing viruses or other harmful computer code;

8.3.7. harvest or otherwise collect or use information about others, including email addresses, without their explicit consent;

8.3.8. allow any other person or entity to use your identification for posting or viewing comments or for communicating with other users;

8.3.9. post the same note more than once or spam;

8.3.10. knowingly post untrue information about another person or business with the intention of harming their reputation or livelihood;

8.3.11. engage in any other conduct that restricts or inhibits any other person from using or enjoying these areas of our Site, or which, in our judgement, exposes us to any liability or detriment of any type;

8.3.12. intentionally make false or misleading statements about investments, their price or their prospects. If you do, you may be committing a criminal offence;

8.3.13. post either intentionally or otherwise, any material that could have the effect of manipulating the market value of any investment. This may be a criminal offence; or

8.3.14. give investment advice by way of business or make financial promotions.

9. MGCG Products
MGCG has a number of eligibility tools and any other personalized business tools that we may launch from time to time (“MGCG Finance Products“). The tools are purely guidance for your personal non-commercial use only. If you are submitting another person’s or company’s details when you use the tools, you must get their permission first before you provide us with their details. In submitting any other person’s or company’s details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.

9.1 Eligibility Tools
9.1.1. MGCG’s Finance Product eligibility tools match your company data to the criteria companies are looking for to see your chances of successfully obtaining a particular product such as a trade finance loan or invoice finance.

9.2. Your Responsibility
Note that it is your responsibility to:

9.2.1. check and ensure that all information, content, material or data you provide on the Site is correct, complete, accurate and not misleading and that you disclose all relevant facts;

9.2.2. ensure that any username, password and/or other identification information you create is kept confidential by you and is not disclosed or shared with anyone. Where you do disclose any of these details, you are solely responsible for all activities undertaken on our Site where they are used;

9.2.3. choose a strong password to access your personal information on our Site. Your password can only be reset with access to the email address registered in our system.

9.2.4. For further information on all the MGCG Finance Product Tools, please see our Privacy Policy.

10-13. Disclaimer of warranties & liability, indemnity, general & changes
10.1. We provide our Site in good faith but we can’t and don’t warrant the completeness, truth or accuracy of the information or other content or postings found on our Site, or their usefulness for any particular purpose. You acknowledge and agree that: (i) your use of the Site is at your own sole risk; and (ii) you bear full responsibility for your own Company finance research and decisions and that we shall not be liable for any action that you or others take or don’t take based on your use of or reliance on information provided by us or other users of our Site.

10.2. Before you apply for any products via our Site and in particular the MGCG Product Tools, it is very important you: (i) carefully read the terms and conditions of the product, the product provider’s terms and conditions and any other terms applicable to the product; (ii) check all the information held by the product provider about you to ensure it is correct, complete and accurate. We make no representations and warranties as to any linked websites and MGCG has no liability or responsibility with respect to your use of such websites. It is your responsibility to: (i) ensure the product matches your requirements and that you agree to the terms and conditions of the product before you apply for it; and (ii) identify and correct any mistakes or errors in the information about you held by the product provider before you apply for any product. We cannot accept any responsibility or liability for any loss or damage you may suffer or incur: (i) in the event that any product you apply for does not meet your requirements, or is not suitable for you; or (ii) if any information about you held by the product provider is not correct, complete and accurate; or (iii) if it is misleading, or if you have failed to disclose all relevant facts. If you’re in any doubt as to whether any information is relevant or required to be disclosed, or that something may be incorrect, you should disclose it to your proposed provider before you apply for the product.

10.3. We don’t accept any responsibility or liability for the accuracy or reliability of any statement made on the Site by anyone other than authorized MGCG employees acting in such capacity.

10.4. We don’t promise that your access to our Site, or its content will be delivered uninterrupted, timely or error-free, or that the Site will be free from viruses or other harmful properties. It’s your responsibility to implement satisfactory safeguards and procedures to make sure any files you obtain through our Site are free from such contaminations or other harmful properties.

10.5. THE EFFECT OF WHAT IS SET OUT HERE IS THAT YOU ACKNOWLEDGE AND AGREE THAT TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, UNDER NO CIRCUMSTANCES WILL WE OR OUR AFFILIATES, INCLUDING, WITHOUT LIMITATION, OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, SUCCESSORS AND ASSIGNS, BE HELD LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL OR OTHER TYPE OF DAMAGE, LOSS, OR INJURY RESULTING FROM YOUR USE OR DOWNLOADING OF ANY CONTENT ON OUR SITE.

11. Indemnity
You agree to indemnify, defend and hold harmless us, our directors, officers, employees and licensers from and against any claim, liability, cost, damage or loss we may incur (including reasonable legal fees) as a result of any material that you post or transmit on our Site, Social Media or via any other communications systems, any actions you take which disrupt access to and/or the functioning of our Site or any breach by you of your obligations under these Terms.

12. General
12.1. If any of these provisions is deemed invalid, void or unenforceable that provision will be deemed severable from the rest and will not affect the validity and enforceability of any remaining provisions.

12.2. Our failure or delay to exercise any provision of these Terms shall not be construed as a waiver of any provision or right.

12.3. These Terms shall be governed by the laws of United States and any dispute between us will be resolved exclusively in the Courts of United States of America.

13. Changes
These Terms were published on 28 dec 2018 and replace with immediate effect the Terms previously published.
 
Any questions? If you have any questions about our Site or these Terms, please contact us on support@mgcapitalgroupinc.com  

MG Capital Group (or “MGCG”, or “MG Capital Group Inc”) makes no warranty or representation that this website will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of this website.
No part of this website is intended to constitute advice and the content of this website should not be relied upon when making any decisions or taking any action of any kind.
No part of this website is intended to constitute a contractual offer capable of acceptance. No goods and / or services are sold through this website and product and / or service details are provided for information purposes only.
Whilst every effort has been made to ensure that all graphical representations of products and / or descriptions of services available from MGCG correspond to the actual products and / or services, MGCG is not responsible for any variations from these descriptions.
MGCG does not represent or warrant that such products and / or services will be available from us or our premises. For this reason, please contact us prior to visiting if you wish to enquire as to the availability of any products and / or services. Any such enquiry does not give rise to any express or implied warranty that the products and / or services forming the subject matter of your enquiry will be available upon your arrival at our premises.
All pricing information on the website is correct at the time of going online. MGCG reserves the right to change prices and alter or remove any special offers from time to time and as necessary. All pricing information is reviewed and updated every year in the event that pricing is shown on the site.

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TERMS AND CONDITIONS: USER AGREEMENT 

By inquiring about our services, signing our retainer / service agreement, hiring our professional / management services, visiting our website / office/s, and accessing the information, knowledge, procedure, resources, services, products, and tools we provide, you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as ‘User Agreement’). 

These Terms and Conditions are subject to change at the sole discretion of MG Capital Group Inc without any prior notice. You acknowledge and agree that it is your responsibility to review this User Agreement (available on our website) periodically to familiarize yourself with any modifications. Your continued use of our site/services after such modifications will constitute acknowledgment and agreement of the modified terms and conditions and that MG Capital Group Inc, its directors, management, owners, officers, or employees are not responsible for any loss, damages, legal consequence, or anything that may result from the use of the site or its services.

GENERAL TERMS & CONDITIONS

  • All Information is believed to be reliable based on the current fact & figures but is not guaranteed as it is for reference/educational purpose only and cannot be considered as an authoritative guide. MG Capital Group Inc cannot accept any obligation and responsibility for any risk, loss, damage or inconvenience caused by reliance on this content or any errors or omissions.
  • Unless otherwise expressed, MG Capital Group Inc expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement.
  • MG Capital Group Inc doesn’t constitute any representation, warranty or guarantee of any kind whatsoever, and will not stand liable for any direct or indirect loss, loss of profit, personal / business opportunities, emotional disturbances, special or consequential damages arising out of or in connection with any delay in performance or non-performance due to what so ever the reason may be.
  • MG Capital Group Inc relies on an outside vendor for website hosting and some technology solutions. MG Capital Group Inc is not responsible for any website downtime or service interruptions associated with any technology problem(s), Internet problem(s), or any other type of problem(s) and is in no way obligated to make monetary reimbursements or refunds for any reason.
  • MG Capital Group Inc in no way providing any legal, accounting, or business advice relating to the purchase or sale of any business or franchise, the hiring of any service advertiser, or the purchase of any products advertised on the website or making any business investment or migration decisions. We strongly advice the users to consult with independent third parties prior to their engagement and commitment. 
  • For advisory and consulting services, market research and analysis, all the data and information provided is mere for guidelines or reference purpose and cannot be considered as an authoritative guideline. MG Capital Group Inc doesn’t take responsibility of its authenticity and the dependence or reliance on it in any form. 
  • Non-compliance to standard procedures may result to Non-Claimable application suspension.
  • Business listing or introduction services provided by MG Capital Group Inc are provided “As Is”. Clients of any of these services, or “advertisers” are responsible for the information posted on the site and are responsible for monitoring and managing their own accounts. In no way is MG Capital Group Inc responsible for this information. 
  • MG Capital Group Inc reserves the right to modify and re-classify any advertising listing on the site at any time by adding new industry related categories, removing industry related categories, or modifying or adjusting any other classifications system that defines where or how a user will find a listed company’s ads. These changes may alter the way a listing advertisement is found through the website’s various search functions and tools.
  • MG Capital Group Inc is in no way obligated to refund any money for any service rendered or purchases after the actual service has been activated or implemented.
  • MG Capital Group Inc use the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site or to audiences similar to people who have visited our site.
  • All the content, logo, drafts, blogs, trademark, service marks, is the intellectual property of MG Capital Group Inc. Any unauthorized reproduction is strictly prohibited.
  • The use of the site, its content, listings, and any other area is strictly prohibited for our direct or indirect competitors, nor shall you provide, disclose or transmit any portion of the Site to any direct or indirect competitor of us. In case if you need to work with us, you need to choose our affiliate program and that is subject to approval. 
  • You agreed and will be fully liable to indemnify and keep us indemnified against and all claims, liabilities, losses, damages, costs, and expenses of any kind or character, whether director or incidental, including without limitation court costs, reasonable attorneys’ fees, expert witness’ fees, interest, fees, and penalties incurred by us as a result of your use of this Site.
  • MG Capital Group Inc is a privately held single member company and is not regulated or affiliated by any financial services authority or other such regulatory body and you are strictly prohibited from offering any form of bonds, securities, collective investment schemes, financial advice or any similar such arrangements.
  • If you place your listings as an affiliate, you may not display your phone number or email address on your Listing in any forms, and Investors, Buyers will be able to contact you through the enquiry form placed next to your Listing.
  • MG Capital Group Inc reserves the right to change, alter, amend suspend, terminate or cancel any / all of the referral program, affiliate program or partner program on its discretion with or without any prior notice. 
  • MG Capital Group Inc reserves the right to immediately remove the content or complete listing form our marketplace / database, if it is deemed in appropriate to our terms and conditions. And in such case no refund will be processed.
  • In the event of loss or damage to any essential documents received, MG Capital Group Inc liability will be limited to the actual value of the passport and documents up to a maximum of $100 per paid application. MG Capital Group Inc accepts no liability for consequential loss.
  • MG Capital Group Inc doesn’t provide any kind of guarantee or warranty on positive outcome of any program whatsoever the case may be. 
  • Investments application processing times shown on promotional materials are standard / average processing times only and should be used as a reference guide only.
  • MG Capital Group Inc always suggest and advises the Client planning for migration; not to sell / vacate any property, leave employment or finalize business or personal matters of whatsoever nature until written advice or approval has been received from the respective authorities.
  • Certain documentation required for an Investment application may be valid for a certain period of time and become invalid thereafter. It is the client’s responsibility to ensure that the documentation provided to MG Capital Group Inc at the time of submitting an application are valid and within date.

 

THIRD PARTIES

  • In the event that consultation/data/information provided by MG Capital Group Inc is being relayed/transferred by you to any third party as a recommendation, please be advised that you do so at your own risk. 
  • You agree that, you will not forward data/information, provided in confidence, by MG Capital Group Inc, to any third party without the former’s explicit consent. The Client indemnifies MG Capital Group Inc against any loss, action, proceedings, costs, claims and damages which may have be caused directly or indirectly by a breach of the aforementioned obligations of the client under this Agreement, OR, ramifications caused by the reliance of any third party on advice/data/information given by the Client, which was derived directly or indirectly from MG Capital Group Inc.

DIGITAL SIGNATURE & CONTRACTS 

In accordance with the Uniform Electronic Transactions Act (UETA) and the Electronic Signatures in Global and National Commerce Act, or E-Sign (the Act) and other applicable local or state legislation regarding Electronic Signatures and Transactions, the MG Capital Group Inc hereby expressly accept the use of electronic signatures as an additional (main) method of signing and/or initialing any Agreement between MG Capital Group Inc and the concerning party, clients, agent, broker or any third party. The parties hereby agree that either party may sign electronically by using a digital signature service or the digital / electronic forms and agreements made available on this website. 

Any party entering into any agreement with MG Capital Group Inc through its digital contract available on website confirms, agrees and acknowledges that any such digital contract is and are explicitly enforceable by law. 

AFFILIATES / THIRD PARTY SERVICES / REFERRALS

  • You understand that MG Capital Group Inc may pay a commission in the form of a referral fee to any organization that refers business to us, and by agreeing to these terms and conditions, you are acknowledging that we have disclosed these business and financial agreements to you. 
  • In certain cases, MG Capital Group Inc may receive royalties, commissions, referral fees and all marketing contributions from third parties where we refer our clients to external vendors that are not under the control of the MG Capital Group Inc. MG Capital Group Inc does not accept any liability or responsibility for the services provided by a third party. We do not endorse and shall not be held responsible or liable for any content, advertising, products or services on or available from such third parties / vendors. 
  • Any dealings between you and any vendors / third party advertiser or merchant mentioned or linked to by means of a direct dealing, including payment for and delivery of products, services and any other terms, conditions, warranties or representations associated with such dealings, are made between you and the relevant vendor / advertiser or merchant. MG Capital Group Inc will not be held responsible or liable for any loss or damage of any kind incurred as the result of any such dealings. 
  • Investors and Clients under no circumstances is allowed to have any sort of direct dealing with the Entrepreneurs / Sellers / vendors / attorneys / third parties introduced by MG Capital Group Inc. And if he/she makes any sort of direct link / deal, MG Capital Group Inc will have a right to claim for the full amount of service fee equivalent to the value of services asked and also may include extra penalty charges levied by MG Capital Group Inc Management. 

 

 

GENERAL TERMS AND CONDITIONS FOR WEBSITE

By reading and continuing to use the site you agree to the following conditions of use.

1. Disclaimer; MG Capital Group Inc makes every effort to ensure that the information on this website is accurate and up to date. However, we cannot accept responsibility for any loss or inconvenience caused by reliance on inaccurate material contained in its website.

2. Links to Other Sites; certain links, including hypertext links, in our site will take you outside our site to sites owned and operated by third parties. Links are provided for your convenience and inclusion of any link does not imply endorsement or approval by MG Capital Group Inc. of the linked site, its operator or its content. We are not responsible for the content of any website outside of our site. 

3. Privacy Policy; MG Capital Group Inc is dedicated to keeping your details private. Any information, we collect in relation to you, is kept strictly secured. We do not pass on/sell/swap any of your personal details with anyone. We use this information to identify your orders, provide you with our monthly newsletter (if applicable) and to personalize your service experience with us; that’s all. 

4. Accessibility; MG Capital Group Inc endeavors at all times to make the site as accessible as possible to disabled users. In no way does MG Capital Group Inc seek to deliberately discriminate against disabled users’ access to the website service.

5. Disputes and Jurisdiction; each provision within the terms and conditions are severable and any provision which is void, or could render the terms and conditions void, is excluded. The terms and conditions are governed by the law in force in United States of America and each party agreeing to the terms and conditions submits to this. Also, by agreeing to the terms and conditions you waive any claim that such courts are an inconvenience.

 

SUMMARY OF TERMS

Browser: Used to locate and display Web pages via a software application. The most popular ones are Microsoft Internet Explorer, Google Chrome, Safari and Mozilla Firefox.

Cookie: Message given to a web browser by a web server. The message is then stored by the browser in a text file called ‘cookie.txt’. Cookies are used to enable a website to ‘remember’ whether a user has visited the site before and possibly to store marketing information about previous visits (items bought last time; pages visited etc.). Cookies are also used to store temporary information as a user moves from page to page within a site (items in a shopping basket etc.). Such cookies are erased when the user session ends. This information is converted to number format for statistical purposes, and all information relating to the individual is erased when the user session is ended. Users can set their browser not to allow cookies to be stored in their computer. To do this, please follow the instructions provided with your web browser software.

IP Address: If you are connected to the Internet you have one, for example it may look something like this 198.184.98.9

User Session: A user’s visit to a site begins when the user first accesses any page on a given site and ends after a visitor has left that site and not revisited it within a specified amount of time (normally 20 minutes) or when the user’s browser is closed.

Web Server: Delivers (serves up) web pages to your computer.

 

COPYRIGHT

All Content published on or otherwise accessible through this Website is protected by copyright. The Content, the copyright in the Content, and all other intellectual property relating thereto, are owned or controlled by MG Capital Group Inc. You may only use or reproduce the information in the Content for your own personal, non-commercial or educational use. The Content may not be otherwise used, reproduced, broadcast, published or retransmitted without the prior written permission of the copyright holder. You must abide by all copyright notices, information and restrictions contained in any Content on or accessed through the Website and maintain such notices in the Content.

 


PRIVACY POLICY

PRIVACY POLICY:
Your privacy is important to us. At MGCG want you to be confident that the information you give us when using our site is safe and secure. In this Privacy Policy we’ll explain how MGCG use your data to provide you the best possible, more personalized experience, and why we collect your personal information, what rights and choices when it comes to these details as well as the key actions we take to keep your data secure and confidential.

1. What this Privacy Policy covers
This is the Privacy Policy for MG Capital Group Inc. “MGCG”, Websites “The Site”, related mobile applications or other similar devices and our tools. For definitions of these terms, please refer to our Terms and Conditions here.


MGCG are committed to putting the businesses we work with first and being transparent on how we collect, use and protect your personal information. The data controller is MGCG (referred to in this policy as “we”, “us” or “our”). We want you to be confident that the personal information you give us is safe and secure with us, and understand how we use it to offer you a better and more personalised experience on The Site.


Our Privacy Policy explains:
▪ the personal information we collect;
▪ how and why we collect and use your personal information;
▪ why we process your personal information;
▪ when and why we will disclose your personal information internally, or to other organisations;
▪ the rights and choices you have when it comes to your personal information;
▪ why we use cookies;
▪ the steps we take to ensure your information is kept secure and confidential;
▪ how long we will hold your information for; and
▪ how to contact us.


Our Site contains links to third-party websites that are not subject to this Privacy Policy. Read our Terms and Conditions for further information on these links and what they are used for. We’d always recommend that you read a third party’s terms and conditions and privacy policy carefully before providing any personal information on a third-party website, as we cannot accept any responsibility or liability for those third-party websites.

2. Personal information we collect about your business
▪ When you register for the MGCG News Update emails you must provide us with your email address and name
▪ When you register for the MGCG E-Learning Modules or Guides you must provide us with your email address and name
▪ When you register for any MGCG Competitions, Nominations and Scholarships you may be asked to provide us with the following personal details about your business, including without limitation your name, postal and billing addresses, email addresses, phone numbers, date of birth, title, marital status, dependants, employment status, income and primary bank
▪ When you register interest for any MGCG Finance Product or services you must provide us with your email address, name, organisation, business finance requirements, and telephone number
▪ When you register interest for finance through our partners, you must provide us with your email address, name, organisation, organisation address, finance requirements, and telephone number

3. How we collect and use your business information
This section explains how we collect and use your business information.


3.1. MGCG News Update emails
We collect your email address and name when you register to receive our MGCG News Update emails. This is usually weekly, but on occasion we may send a special edition when we have something really exciting or important to share with you and it doesn’t happen very often.


3.2. MGCG E-Learning Modules or Guides
We may collect your email address and name so that we can send you the MGCG E-Learning Modules or Guides.  This is usually weekly, but on occasion we may send a special edition when we have something really exciting or important to share with you and it doesn’t happen very often.


3.3. MGCG Competitions, Nominations and Scholarships
We may collect your email address and name, and additional information if you’re entering MGCG Competitions, Nominating yourself, another person, your company, or another company. If you’re providing us with another person’s or another company’s personal information you should first ask them to read this Privacy Policy and our Terms and Conditions. By giving us personal information about another person you are confirming that they have given you consent to provide the personal information to us and that they understand how their details will be used.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law (see section 12 below).


3.4 MGCG Finance Products
We collect your personal information from you when you request certain products via forms on our Site. We use this so that we can manage your request.
If we need to pass your personal information to a third party to meet your request, we will make it clear at the time you submit your details. In accordance with section 1 above, we recommend that you read the privacy policies of those third parties.


3.4.1. Finance Eligibility
We use the business information you give when you submit a request for finance.
All personal information that we hold to enables us to help your company provide the most appropriate financing types and financiers to help you access commercial finance. You can email us to request we delete your business information for you at mg@mgcgcorp.com


3.5. Comments
We collect and use your email and IP address to enable you to post on The Site. We use your email address to send you your password to enable you to log in to our Forum and to send you email notices if you have elected to receive them. We also use your email and IP addresses for admin, troubleshooting and investigatory purposes, as well as to prevent spam.


3.6. Internal reporting, insight and analysis
We may also use the personal information referred to in this section 3 to generate aggregated, anonymised data for the purposes of internal reporting, insight and analysis, enabling us to improve and personalise our Site, the products we offer and search results for our Site. Where necessary this exercise may be carried out on our behalf by a third party – please see section 7 below.


3.7. Site personalisation
We may use the information you provide us to personalise aspects of our Site, enable your details to be moved across our tools to speed up form filling and for market research. As part of this, we may match your personal information against information that has been collected by a third party. We are always working to make a better Site for you and using your personal information in this way helps us to do this. It also means that if you’ve given us permission, any email we send to you is appropriate for your needs.


3.8. Contacting you
We collect and may use the information you provide to us to: mg@mgcgcorp.com 


3.8.1 contact you in response to the communications that you have directed at us. We want to be able to help you so we use personal data to provide clarification or assistance in response to your communications;


3.8.2 invite you to take part in surveys, polls and other market research activities carried out by us and by other organisations on our behalf. Any feedback you provide will only be used to improve our Site and will not be published. However, if we contact you about this, you do not have to take part in the activities;


3.8.3 award you a prize if you have won a competition we’re running.
If you’re providing us with another person’s personal information you should first ask them to read this Privacy Policy and our Terms and Conditions. By giving us personal information about another person you are confirming that they have given you consent to provide the personal information to us and that they understand how their details will be used.
We will periodically review your personal information to ensure that we do not keep it for longer than is permitted by law (see section 12 below).


4. Why do we process your personal information?
We will only collect and use your personal information (as described in sections 2 and 3) in accordance with data protection laws. Our grounds for processing your personal information are as follows:
Consent – Where necessary we will only collect and process your personal information if you have consented for us to do so.
Legitimate Interests – We may use and process some of your personal information where we have sensible and legitimate business grounds for doing so. Under European privacy laws there is a concept of “legitimate interests” as a justification for processing your personal information. Our legitimate interests for processing your personal information are:
▪ to enable you to access and use the Site;
▪ to follow up on expressed interest on the Site;
▪ to communicate with you about your use of the MGCG’s Finance Product Tools and Comparison Hubs; and
▪ to improve our Site. We may use your personal information to undertake demographic and geographic segmentation and generate anonymised profiling information to help us understand what you might be interested in and for market research. We are always working to make MGCG a better Site for you and using your personal information in this way helps us to do this.
From May 2018, you will have a right to object to our use of your personal information for these legitimate interests, including a right to object to profiling by us (see section 8 below).


5. Use of children’s personal information
We do not knowingly collect or store any personal information about children under the age of 16. If you are aged under 16 please get your parent or guardian’s permission before you provide any personal information to us.


6. Sharing your personal information with MGCF
MGCG might share the following information across MGCG owned websites, that includes;


6.1. Any personal information about you, including contact details (as opposed to aggregated or anonymised user behaviour data), we gather while operating our Site shall not be tracked or otherwise used by MGCG without your informed consent (except for internal reporting, accounting or compliance purposes);


6.2. If you give separate informed consent for your personal information to be shared across the MGCG it may then be used to speed up form filling, or to personalise or improve your experience if you then go to those websites;


6.3. If we send you directly to MGCG’s websites or you visit them independently, your personal information shall be subject to those websites’ privacy policies; and


6.4. Any of your personal information, including contact details, gathered while operating our Site shall not be sold to third parties or used for the purposes of unsolicited communications from other parts of MGCG.


7. Disclosure of your personal information to other organisations
The personal information that we collect when you use our Site is confidential. We may disclose your personal information to a third party in the following circumstances:


7.1. To our funding partners, if you give us permission to share your details so that we can help your business access finance;


7.2. If required or permitted to do so by law;


7.3. If required to do so by any court, the Financial Conduct Authority or any other applicable regulatory, compliance, governmental or law enforcement agency;


7.4. If necessary in connection with legal proceedings or potential legal proceedings;


7.5. If ownership of all or part of our Site is transferred, in which case any purchaser would only be entitled to use that information in a way consistent with this Privacy Policy; and


7.6. In line with our own Terms and Conditions (in particular section 8 regarding reporting offending Comments to their ISP or to the authorities if their actions appear to amount to a crime).


8. How you can change permissions
Your privacy is of huge importance to us. All emails or other forms of communication directly from us to you will include clear instructions on how to unsubscribe. Plus, if you don’t want to be contacted by us anymore you can email mg@mgcgcorp.com Section 9 below also sets out your other information rights.


9. Your information rights and responsibilities


9.1. You already have certain rights under existing data protection legislation, including a right to request a copy of the personal information we hold on you, if you request it in writing. From 28 Dec 2018 you will have the following rights:


9.1.1. Right to correct: the right to have your personal information rectified if it is inaccurate or incomplete;


9.1.2. Right to erase: the right to request that we delete or remove your personal information from our systems;

9.1.3. Right to restrict our use of your information: the right to ‘block’ us from using your personal information or limit the way in which we can use it;

9.1.4. Right to data portability: the right to request that we move, copy or transfer your personal information;

9.1.5. Right to object: the right to object to our use of your personal information including where we use it for our legitimate interests, or where we use your personal information to carry out profiling to inform our market research and user demographics. If you raise an objection we will stop processing your personal information unless very exceptional circumstances apply, in which case we will let you know why we’re continuing to process your personal information.
We will use reasonable efforts consistent with our legal duty to provide you with your rights in accordance with data protection legislation.

9.2. To make enquiries, exercise any of your rights set out in this Privacy Policy and/or make a complaint please contact mg@mgcgcorp.com 
 

9.3. If you’re not satisfied with the way any complaint you make in relation to your personal information is handled by us then you may be able to refer your complaint to the relevant data protection regulator. 

10. Cookies

10.1. We use cookies (files which are sent by us to your computer or other access device) and tracking technology to help to improve the functionality and performance of our Site.

10.2. The information derived from our use of cookies will be aggregated to provide statistical information about the usage of our Site. However, we do not use any information derived from cookies, nor any IP addresses we collect, to identify any individual user of our Site.

10.3. Some third-party technology we use (eg, embedded videos, social sharing) also drop cookies to improve your experience on their sites.

10.4. For details on what cookies we use, information on how to stop them being stored or how to delete ones already stored, read our Cookie Policy.

11. Keeping your personal information secure

11.1. Keeping information about you secure is very important to us so we store and process your personal information in accordance with the high standards required under data protection legislation. From time to time and for operational reasons the personal information we collect from you may be transferred to and stored in countries outside of the European Economic Area (“EEA”). Your information may also be processed by some of our service providers which operate outside the USA AND EEA. Different countries have different data protection and security laws and some of these do not offer the same level of protection as you enjoy under UK data protection legislation. However, when we appoint our service providers to help us provide products and services to you (which may include some based in the USA), we take care to ensure that they have appropriate security measures in place.

11.2. We do our best to keep the information you disclose to us secure. However, we can’t guarantee its security. By using our Site you accept the inherent risks of providing information online and will not hold us responsible for any breach of security.

12. How long do we keep your personal information?
Unless a longer retention period is required or permitted by law, we will only hold your personal information on our systems for the period necessary to fulfil the purposes outlined in this Privacy Policy or until you request it is deleted. If, having registered for any of our services, you do not use them for a reasonable time (which may vary depending on the service(s) you’ve registered for) we may contact you to ensure you’re still happy to receive communications from us. Even if we delete your personal information it may persist on back-up or archival media for legal, tax or regulatory purposes.

13. How to contact us
Our Data Protection Officer is MG Capital Group's Director.
If you have any queries relating to our use of your personal information or any other related data protection questions, please contact info@mgcapitalgroupinc.com
 

14. Changes
This policy is effective from 28 Dec 2018 and replaces with immediate effect the Privacy Policy published earlier. We may, from time to time, make changes to this Privacy Policy to reflect any changes to our privacy practices in accordance with changes to legislation, best practice or Site enhancements. We will let you know what these changes are by posting them to this page. Where the changes are significant, we may also choose to email you with the new details and get your consent to make these changes where required by law. It is your responsibility as a user to make sure that you are aware of changes posted on this page, by checking for any changes on a regular basis. Changes posted on this page will become effective as soon as they are posted.


Additional Privacy Policy

PRIVACY POLICY: General Data Protection Regulation (“GDPR”)

MG Capital Group Inc is committed to protecting and respecting your privacy.

This privacy policy (together with our Disclaimer, Terms of Use and our Marketplace Policy and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us.  Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting this site, you are accepting and consenting to the practices described in this policy.

This privacy policy applies to information we collect with regards to;

  • People who visit our site.
  • People who subscribe for any services or information on our website.
  • Partners, affiliates, agents and anybody who works with us to provide the services mentioned on our website

This policy does not apply to any public area or third-party area of our Site or services. In the event you submit personal information to contact another member of the Marketplace, contact a seller about a Listing, create a listing, add a contact on a Listing, or post on our Site, such information becomes publicly available and we are not responsible for the personal information you choose to submit to these services, forums, listings, or persons.

General 

This Privacy Notice sets out how MG Capital Group Inc(hereinafter referred to as “MGCG” or “We”) processes data, whether on individuals (including personal data in respect of individuals who are clients, prospective clients, intermediaries or other third parties that MGCG interacts with, or any individual who is connected to those parties) or otherwise. Where the data held are on individuals, this document also sets out the rights of those individuals in respect of that personal data.

This Privacy Notice has been prepared in accordance with the provisions of the European General Data Protection Regulation (“GDPR”).

 WHO WE ARE

We are one of the leading business consultancy and brokerage firm and marketplace based in Michigan – USA.

Company Registered Name: MG CAPITAL GROUP INC.

Website Address: www.mgcapitalgroupinc.com 

Our main office is located in 22167 Antler Drive, Novi, MI-48375. And our business address is 22167 Antler Drive, Novi, MI-48375.

We strive to protect personal data and apply high standards of conduct when it comes to privacy issues. We ensure that our employees / associates are provided with the appropriate training in order to handle personal data promptly and in accordance with the laws. Furthermore, we endeavor to ensure that any parties with whom we co-operate apply the same high standards when it comes to data protection and privacy as We do. We ensure to be equipped with highest level of professional etiquettes & code of ethics to maintain Client’s Data Privacy.

WHAT WE COLLECT 

When you visit one of our offices, our internet website(s), our social media pages, our online / media advertising channels or our representatives in various exhibitions, events or seminars or when you call / e-mail us; we may ask you to provide us with certain information so that we can communicate with you about our products and services and can address your enquiries with full commitment and professionalism. You are not obliged to provide us with such information, but if you choose not to, you may miss out on market updates, news, events and special offers and certain services may not be available to you.

Occasionally we may receive information about you from other sources (such as credit reference agencies) which we will add to the information which we already hold about you.

The personal information we will ask you to provide is the following:

  • Full Name
  • Address
  • Country of Residence
  • Nationality
  • Contact Number
  • Email
  • Age
  • Ethnic Group
  • Family Details
  • Work Related Information

When you visit our Site, make any searches, enquiries, or anything of such nature, we may automatically collect the following information:

  • Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform;
  • Information about the full Uniform Resource Locators (URL) clickstream.
  • products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the Site.

When anybody leaves reviews, or testimonials about us on our website, we may collect your information as well and use the same to post on our website or any other media, along with your name and personal details as well.

Our website is a public platform, you should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us.

All credit/debit cards details and personally identifiable information will NOT be stored, sold, shared, rented or leased to any third parties.

HOW WE USE IT 

Here at MGCG we take your privacy seriously and will only use your personal information in accordance with our Personal Data Protection Policy, in order to communicate with you about our services, ensure the continuous supply of the services and to improve the quality of our services.

The purposes for which we collect your personal information are as follows;

  • To investigate and follow up on any comments, inquiries and complaints you may have and to resolve any disputes and problems which may have arisen with respect to the use of our services.
  • To obtain feedback from you that will help us to improve and/ or further the provision of our facilities and services.
  • To communicate with you about our services that may be of interest to you.
  • To communicate with you about products and/or services of our affiliates that may be of interest to you.
  • To inform you about promotional events, special offers, etc.
  • To update you with our latest marketing and advertising campaigns.
  • To contact you or approach you with promotional campaigns or marketing via email, SMS, calls, social media or any other applicable medium or resources.
  • To enable us to perform our obligations towards you.
  • To comply with a legal obligation to which we may be subject.
  • Any other purpose specifically requested and/or agreed by you.

 

HOW LONG WE KEEP IT

Your information will be kept only for as long as required to fulfil the purposes for which it was collected, in accordance with our Data Retention Policy. After the applicable retention period, your personal data will be irreversibly destroyed unless destruction is prohibited for legal, regulatory or technical reasons.

Any personal data held by us for marketing and service update notifications will be kept by us until such time that you notify us that you no longer wish to receive this information. Please refer to our Data Retention Policy for more information on our personal data retention schedule.

Any requests for further information in relation to the continued processing of specific data and requests for destruction of data should be made to info@mgcapitalgroupinc.com.

CHANGES TO THIS PRIVACY NOTICE

MGCG keeps this Privacy Notice under review in order to ensure that it is in line with any changes to the laws relating to privacy and personal data. Any updates will be communicated to you promptly and shall also appear on the Firm’s website at www.mahandruassociates.com.

This Privacy Policy was last updated on August 1, 2020.

YOUR RIGHTS

Should you believe that any personal information we hold on you is incorrect or incomplete, you have the ability to request to see this information, rectify it or have it deleted by contacting us through our website.

In the event that you wish to complain about how we have handled your personal data, please contact MGCG Data Projection Officer at info@mgcapitalgroupinc.com or in writing at given address. We will then look into your complaint and work with you to resolve the matter.

If you still feel that your personal data has not been handled appropriately according to the law, you can contact the Office of the Commissioner for Personal Data Protection.

CONTACT 

Contact:  +1-248-462-2353

Email: info@mgcapitalgroupinc.com

 


TERMS OF USE

Terms of Business | MG Capital Group Inc. (MGCG OR MGCF)
MGCG are committed to working in a responsible and transparent way. We aim to work with companies to build long-term relationships and so fairness and transparency is at the heart of our business. We want to understand the requirements of a company and pride ourselves on having the ability to understand, dissect a problem and provide quick feedback.
MGCG work in a clear and methodical way, to introduce potential borrowers to finance facilities that are suitable for their requirements.

1. Aims of the Terms of Business
1.1 This section gives details of our Terms of Business. Please note that these apply in addition to the Privacy Policy, which you may consult here.

1.2 We do not require you to sign or countersign or otherwise indicate agreement to the Terms of Business. However, you are deemed to agree to them, and to be bound by them, if you engage Trade Finance Global to act as an introducer for your business.

2. What we do
2.1 MG Capital Group Inc. is a consulting company and we deal with the majority of trade and invoice finance providers. We are an introducer of credit only and not a funder. Our services are provided with no direct costs to the borrower. MGCG will generally receive commission from the funder after a successful introduction (see point 5 for more information) in some cases only.

2.2 We support our clients in seeking to obtain an appropriate funding solution to meet their specific requirements. You may be allocated a dedicated consultant who will work with you to find a suitable solution for your business from our panel of independent finance providers.

3. Our services include:
3.1 An assessment of your specific funding and business requirements;

3.2 We would provide you with a shortlist of typically 3 – 4 funders from our panel who offer appropriate finance products to fit your needs;

3.3 Feedback in respect of the pros and cons of the funders’ facility offers; and

3.4 After care service once you become a live client.

4. Fair Treatment
We always aim to treat you fairly. This means that we will always endeavour to:

4.1 Conduct our business with due skill, care and integrity;

4.2 Never put ourselves in a position where our primary duty to you is compromised;

4.3 Deal with any complaint sympathetically and independently of the colleague concerning whom the complaint is directed;

4.4 Be transparent in the matter of our remuneration; and

4.5 Respect your confidentiality.

5. Remuneration
5.1 MGCG will look to the borrower to pay directly for using our introducer services if not paid by funder. Depends on case to case.

5.2 MGCG may receive commission payments from any funder that we introduce to you and from whom you then borrow. Our Consultants are not made aware of the commission rates and therefore will not be influenced by this as a factor when making introductions to any of our panel funders. We expect our panel funders to disclose to you that MGCG will be paid a fee for a successful introduction, and to make available full details of commission actually paid on request.

5.3 Please note that where you return to a funder whom we have introduced in order to negotiate a further facility at some point in the future, we may be entitled to a further commission payment in relation to that facility.

6. Conflicts of Interest
We consider, in view of our business profile, that it is extremely unlikely that our relationship with you is going to give rise to a conflict of interest. However, in theory:

6.1. MGCG, or one of our Directors or Contractors, could have an interest in a lending company on our panel: or

6.2. Circumstances could arise where our duties to you conflict with our duties to another client of MGCG.

6.3. If so, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out.

7. Complaints
If you wish to register a complaint with respect to our services under these Terms and Conditions and Terms of Business, please refer to our Complaints Policy. Our internal complaints procedure is available on request.

8. Limitation of our liability to you
8.1 Our responsibility under these Terms of Business is to assist you to find a funder willing to provide financing to your business in accordance with the needs and profile of that business that you have disclosed to us. We are not responsible for the manner in which you use the loans (or other finance) advanced to you or the consequences of these financial transactions for your business.

8.2 Any discussion that you have with a panel funder that is outside the scope or purpose of these Terms of Business, and the consequences for you or your business of any such discussion and any transaction or investment that arises from such discussion, are not our responsibility for any purposes whatsoever.

8.3 We present funders on our panel to you on the basis that we have used reasonable care to ensure that those funders are honest, responsible and (where necessary) appropriately regulated businesses. We do not accept responsibility to you for any loss you may sustain or any costs or expenses you may incur which arise due to a failure or demerit in a funder of a nature that it would not have been reasonable for us to have detected by our normal due diligence procedures.

8.4 Nothing in these Terms of Business excludes or limits our responsibility to you for:

8.4.1 fraud;

8.4.2 death or personal injury as a result of our negligence; or

8.4.3 anything that the Rules of the FCA prohibits us from excluding or limiting.

9. Your Responsibilities
9.1 In order for us to fulfil our responsibilities to you, you are expected to read any documentation we provide to you and let us know if there is anything that is unclear or does not represent your requirements, and pose any other question that affect your use of our services. We will not be responsible to you if as a result of deficient information or lack of information from you, we make arrangements that are not wholly appropriate for your business.

9.2 If, in the course of our relationship with you, you or your business suffer material changes (specifically though not exclusively referring to material adverse financial changes), you must inform us accordingly, unless you are under a formal legal obligation not to do so.

9.3 Should we incur material cost or expense or sustain material loss as a result of your failure to comply with paragraphs 9.1 or 9.2, we are entitled to an indemnity from you to the extent of such cost, expense or loss.

10. What we don’t do
10.1. We do not provide legal advice. If you are presented with loan documentation for agreement with a funder whom we have introduced to you, it is your responsibility to seek legal advice from an appropriately experienced and qualified solicitor.

10.2. We are not responsible for advising you on the solvency of your business or on whether it may be insolvent. The law imposes obligations on the Directors or owners of a business that is or may be technically insolvent, and if the reason you are seeking debt finance is connected with the solvency of your business, you should take advice on your obligations from a qualified insolvency practitioner.

10.3. We do not provide taxation, fiscal or investment advice.

10.4. We are here to offer an introducing service as described, and will introduce you to appropriate funders from our panel in this respect, based on the information that you provide to us. This does not amount to advice by us to you on the full commercial operation of your business, which is likely to depend on information that we do not have and are not entitled to see or receive. Accordingly, the decision to proceed with one of our introduced funders (if any) is ultimately yours.

10.5. Information on our Site does not constitute any form of advice, recommendation, representation, endorsement or arrangement by us and is not intended to be relied upon by you in making (or refraining from making) any specific investment or other decisions. As general policy we do not vet funders on a customer service basis. Given that the impact of any information expressed on our Site can vary widely based on your particular circumstances, you should always carry out your own research into the product that is of interest to you. Please see our MGCF Disclaimer here to find out more.

Please see our Privacy Policy and Terms and Conditions for more details about the information we use.

If you’re interested in finding out more about our commitment to businesses then please send us an email on info@mgcapitalgroupinc.com and we’ll get back to you.


COMPLAINTS POLICY

Complaints Policy


At MG Capital Group Inc. we put our customers’ interests first. If you are unhappy with our service we want to hear about it and we will do our best to put it right.


How to contact us
If you are not satisfied with any aspect of our service and would like us to look into your concerns further please do not hesitate to contact us by email at complaints@mgcapitalgroupinc.com


We want to ensure we can deal with your complaint efficiently so please include the full name of the contact that got in touch with MGCG, your business and trading name, a summary of your complaint and the best way to contact you.


What happens next?
We will endeavour to respond to and resolve your complaint straight away. However, if we are unable to resolve your complaint within three business days, we may need to carry out further internal investigations. If these are required we will send you a written communication within 5 working days to confirm this and we will give you the name and contact details of the person that will handle your complaint.


We will always get back to you as soon as we can but you will receive a final response within 8 weeks of receiving your complaint.
In the unlikely event that our investigations require longer than 8 weeks to complete, we will write to you to explain why we are not yet in a position to provide a final response to your complaint and indicate when we will make further contact.


Questions?
If you have any questions about how to make a complaint, please do not hesitate to contact us on complaints@mgcapitalgroupinc.com 


Changes
This policy is effective from 28 Dec 2019. We may, from time to time, make changes to this Complaints Policy to reflect any changes to our privacy practices in accordance with changes to legislation, best practice or Site enhancements. We will let you know what these changes are by posting them to this page. Where the changes are significant, we may also choose to email you with the new details and get your consent to make these changes where required by law. It is your responsibility as a user to make sure that you are aware of changes posted on this page, by checking for any changes on a regular basis. Changes posted on this page will become effective as soon as they are posted.

AML POLICY



Anti-Money Laundering (“AML”), Countering the Financing of Terrorism (“CFT”) and Know Your Client (“KYC”) Policy

1. MG Capital Group, Inc. (“MGCG, we, us, our”) Policy
It is the policy of MGCG to prohibit and actively prevent money laundering and any activity that facilitates money laundering or the financing of terrorist or criminal activities.  We will comply with all applicable requirements and regulations.  Money laundering is generally defined as engaging in acts designed to conceal or disguise the true origins of criminally derived proceeds so that the proceeds appear to have derived from legitimate origins or constitute legitimate assets. Generally, money laundering occurs in three stages. Cash first enters the financial system at the “placement” stage, where the cash generated from criminal activities is converted into monetary instruments, such as money orders or traveler’s checks, or deposited into accounts at financial institutions. At the “layering” stage, the funds are transferred or moved into other accounts or other financial institutions to further separate the money from its criminal origin. At the “integration” stage, the funds are reintroduced into the economy and used to purchase legitimate assets or to fund other criminal activities or legitimate businesses. Terrorist financing may not involve the proceeds of criminal conduct, but rather an attempt to conceal either the origin of the funds or their intended use, which could be for criminal purposes. Legitimate sources of funds are a key difference between terrorist financiers and traditional criminal organizations. In addition to charitable donations, legitimate sources include foreign government sponsors, business ownership and personal employment. Although the motivation differs between traditional money launderers and terrorist financiers, the actual methods used to fund terrorist operations can be the same as or similar to methods used by other criminals to launder funds. Funding for terrorist attacks does not always require large sums of money and the associated transactions may not be complex.  Our AML/CFT policies, procedures and internal controls are designed to ensure compliance with all applicable regulations and will be reviewed and updated on a regular basis to ensure appropriate policies, procedures and internal controls are in place to account for both changes in regulations and changes in our business.

2. AML/CFT Compliance Person Designation and Duties
We have a designated Money Laundering Reporting Officer (“MLRO”).  The MLRO has full responsibility for our AML/CFT program. The duties of the MLRO will include monitoring our compliance with AML/CFT obligations, overseeing communication and training for employees and overseeing software modifications to ensure they comply with AML/CFT obligations. The MLRO will also ensure that we keep and maintain all of the required AML/CFT records and will ensure that any Suspicious Transaction Reports (“STR”) generated by our software are filed with the Financial Crime Unit (“FCU”) when appropriate. The MLRO is vested with full responsibility and authority to enforce our AML/CFT program. We will provide the company administrators, company secretary and associated financial institutions with contact information for the MLRO, including: (1) name; (2) title; (3) mailing address; (4) email address; and  (5) telephone number. We will promptly notify all parties of any change in this information and will review, and if necessary, update, this information within 30 business days after the end of each calendar year. The annual review of this information will be conducted by the MLRO and will be completed with all necessary updates being provided no later than 30 business days following the end of each calendar year. In addition, if there is any change to the information, the MLRO will update the information promptly, but in any event not later than 30 days following the change.

3. Giving AML/CFT Information to government authorities if requested
We will respond to a request (“Request”) concerning accounts and transactions by immediately searching our records to determine whether we maintain or have maintained any account for, or have engaged in any transaction with, each individual, entity or organization named in the Request. We will designate one or more persons to be the point of contact (“POC”) for Requests and will promptly update the POC information following any change in such information. (See Section 2 above regarding updating of contact information for the MLRO.) Unless otherwise stated in the Request, we are required to search our files for each individual, entity or organization named in the Request. If we find a match, the MLRO will consider any appropriate action. If the search parameters differ from searching through our entire database, for example, if limits to a geographic location apply, the MLRO will structure our search accordingly.  If the MLRO searches our records and does not find a matching account or transaction, then the MLRO will not reply to the Request. We will maintain a register of Money Laundering and Financing of Terrorism Enquiries together with documentation that we have performed the required search by saving the logs, which will at all times be available on request.  We will not disclose the fact that the authorities have requested or obtained information from us, except to the extent necessary to comply with the Request. The MLRO will review, maintain and implement procedures to protect the security and confidentiality of requests from the authorities with regard to the protection of customers’ non-public information.  We will direct any questions we have about the Request to the authorities.  Unless otherwise stated in the Request, we will not be required to treat the information request as continuing in nature, and we will not be required to treat the Request as a government provided list of suspected terrorists for purposes of the customer identification and verification requirements.

4. Levels of CDD
People who have opened an account need to provide their full contact details, prior to being allowed to deposit, trade and withdraw currencies.
This is known as Level 1 clearance, which allows deposits and withdrawals of USD 100 a day and USD 1,000 a month.
Level 2 clearance allows for USD 5,000 a day in deposits and withdrawals and USD 50,000 a month and for this a scanned copy of photographic ID and proof of address as explained in clause 5 is required.
Level 3 clearance allows for unlimited deposits and withdrawals and for this we will need original certified photographic ID and proof of address in our possession.

5. Customer Due Diligence (“CDD”) and Know Your Client Identification Program (“KYC”)
We will collect sufficient information from each customer who has opened an account to enable the customer to be identified; utilize risk-based measures to verify the identity of each customer who has opened an account; record CDD information and the verification methods and results; provide the required adequate CDD notice to customers that we will seek identification information to verify their identities; and compare customer identification information with government-provided lists of suspected terrorists, once such lists have been issued by the government.

a.  Required Customer Information
After opening an account, we will collect the following information for all accounts, if applicable, for any person, entity or organization that is opening a new account and whose name is on the account prior to activating the account for deposits and withdrawals of FIAT currencies (deposits, trading and withdrawing digital currencies does not require CDD verification):
1. the name;
2. date and place of birth (for an individual);
3. nationality;
4. gender;
5. email;
6. phone number;
7. proof of a residential address (for an individual), or a principal place of business, local office, or other physical location (for a person other than an individual); and
8. proof of identification with a photograph.

b. Customers Who Refuse to Provide Information
If a potential or existing customer either refuses to provide the information described above when requested, or appears to have intentionally provided misleading information, we will deactivate the account and, after considering the risks involved, consider closing any existing account. In either case, our MLRO will be notified so that we can determine whether we should report the situation to the authorities.

c. Verifying Information
Based on the risk, and to the extent reasonable and practicable, we will ensure that we have a reasonable belief that we know the true identity of our customers by using risk-based procedures to verify and document the accuracy of the information we get about our customers, but in any case complying with the statutory requirements. The MLRO will analyze the information we obtain to determine whether the information is sufficient to form a reasonable belief that we know the true identity of the customer (e.g., whether the information is logical or contains inconsistencies). We will verify customer identity through documentary means, non-documentary means or both. We will use documents to verify customer identity when appropriate documents are available. In light of the increased instances of identity fraud, we will supplement the use of documentary evidence by using the non-documentary means described below whenever necessary. We may also use non-documentary means, if we are still uncertain about whether we know the true identity of the customer. In verifying the information, we will consider whether the identifying information that we receive, such as the customer’s name, street address, postcode, email, telephone number, date of birth and photographic ID, allow us to determine that we have a reasonable belief that we know the true identity of the customer (e.g., whether the information is logical or contains inconsistencies). Appropriate documents for verifying the identity of customers include the following:


For an individual
– Proof of identity (passport copy or provisional or full driving licence or Government issued National Identity Card (picture page is sufficient))
– Proof of residential address (utility bill* less than 3 months old or bank statement) * Electricity, gas, water, phone bill (not mobile phone)


For a Corporation
– Certificate of Incorporation
– Memorandum and articles of Association
– Identify the Beneficial Owner
– For at least 2 directors of a Corporation – proof of identity and proof of residential address


All of the above documents should be certified by a lawyer, accountant, notary public or Consular Official at a British Embassy or Consulate for clearance level 3

The certifier must sign and date the copy document (printing his/her name clearly in capitals underneath) and clearly indicate his/her position or capacity on it and provide his contact details. The certifier must state that it is a true copy of the original. Any non-English documentation requires translation and certification as above.

We are not required to take steps to determine whether the document that the customer has provided to us for identity verification has been validly issued and that we may rely on a government-issued identification as verification of a customer’s identity. If, however, we note that the document shows some obvious form of fraud, we must consider that factor in determining whether we can form a reasonable belief that we know the customer’s true identity. We will use the following non-documentary methods of verifying identity:
– Confirming validity of email
– Confirming validity of telephone number
We will verify the information within a reasonable time after the account is opened. Depending on the nature of the account and requested transactions, we may refuse to complete a transaction before we have verified the information, or in some instances when we need more time, we may, pending verification, restrict the types of transactions or dollar amount of transactions. If we find suspicious information that indicates possible money laundering, terrorist financing activity, or other suspicious activity, we will, after internal consultation with our MLRO, report the activity in accordance with applicable laws and regulations.  We recognize that the risk that we may not know the customer’s true identity may be heightened for certain types of accounts, such as an account opened in the name of a corporation, partnership or trust that is created or conducts substantial business in a jurisdiction that has been designated as a primary money laundering jurisdiction, a terrorist concern, or has been designated as a non-cooperative country or territory. We will identify customers that pose a heightened risk of not being properly identified. We will also take the following additional measures that may be used to obtain information about the identity of the individuals associated with the customer when standard documentary methods prove to be insufficient:
1. Obtain verification of beneficial owners of corporations 
2. Obtain additional references from financial institutions


d. Lack of Verification
When we cannot form a reasonable belief that we know the true identity of a customer, we will do the following: (1) deactivate the account or keep it in deactivated status; (2) close an account after attempts to verify customer’s identity fail; and (3) determine whether it is necessary to inform the FSC or FCU in accordance with applicable laws and regulations.


e. Record keeping
We will keep logs of our verification, including all identifying information provided by a customer, the methods used and results of verification, and the resolution of any discrepancies identified in the verification process. We will keep records containing a description of any document that we relied on to verify a customer’s identity, noting the type of document, any identification number contained in the document, the place of issuance, and if any, the date of issuance and expiration date. With respect to non-documentary verification, we will retain logs that describe the methods and the results of any measures we took to verify the identity of a customer. We will also keep records containing a description of the resolution of each substantive discrepancy discovered when verifying the identifying information obtained. We will retain records of all identification information for five years after the account has been closed; we will retain records made about verification of the customer’s identity for five years after the record is made.


f. Comparison with Government-Provided Lists of Terrorists
At such time as we receive notice that the authorities have issued a list of known or suspected terrorists and identified the list as a list for CDD purposes, we will, within a reasonable period of time after an account is opened (or earlier, if required by another law or regulation or directive issued in connection with an applicable list), determine whether a customer appears on any such list of known or suspected terrorists or terrorist organizations issued by any government agency and designated as such by the authorities in consultation with the functional regulators. We will follow all directives issued in connection with such lists.


g. Notice to Customers
We will provide notice to customers that we are requesting information from them to verify their identities, as required by law. We will use the following method to provide notice to customers:
Inform them by email and through our software when the customer wants to activate their account for depositing and withdrawing FIAT currencies, by using the following text:


– Important Information About Procedures for Activating a New Account
To help the government fight the funding of terrorism and money laundering activities, we are required to obtain, verify, and record information that identifies each person who opens an account and wishes to deposit and withdraw FIAT currencies
– What this means for you: When you would like to deposit and withdraw FIAT currencies, we will ask for your name, address, date of birth and other information that will allow us to identify you. We will also ask to see photographic proof of your identification and proof of address.


h. Reliance on Another Financial Institution for Identity Verification
We may, under the following circumstances, rely on the performance by another party (including an affiliate) of some or all of the elements of our CDD with respect to any customer that is opening an account or has established an account or similar business relationship with the other party to provide or engage in services, dealings or other financial transactions:
– when such reliance is reasonable under the circumstances; and
– when the other party has entered into a contract with MGCG requiring it to certify annually to us that it has implemented its anti-money laundering and counter terrorist financing program and that it will perform (or its agent will perform) specified requirements of the CDD program.

6. General Customer Due Diligence
It is important to our AML and KYC reporting program that we obtain sufficient information about each customer to allow us to evaluate the risk presented by that customer and to detect and report suspicious activity. When we open an account for a customer, the due diligence we perform may need to be enhanced.  For each account meeting the following criteria and which could be deemed to be higher risk:
– Corporations in off shore jurisdiction;
– Individuals from high risk countries; and
– CDD documentation of questionable origin;
We will take steps to obtain sufficient customer information to comply with our  enhanced due diligence requirements. Such information should include:
– Identification of beneficial owners of corporations
– Reference from a financial institution
– Proof of source of funds.

7. Customer Due Diligence and Enhanced Due Diligence Requirements for Private Banking Accounts/Senior Foreign Political Figures
We do not open or maintain private banking accounts.

8. Monitoring Accounts for Suspicious Activity
We will monitor account activity for unusual size, volume, pattern or type of transactions, taking into account risk factors and red flags that are appropriate to our business. (Red flags are identified in Section 8.b. below.) The MLRO or his or her designee will be responsible for this monitoring, will review any activity that our monitoring system detects, will determine whether any additional steps are required, will document when and how this monitoring is carried out, and will report suspicious activities to the appropriate authorities.  The MLRO or his or her designee will conduct an appropriate investigation and review relevant information from internal or third-party sources before the authorities are notified.


a. Emergency Notification to Law Enforcement by Telephone
In situations involving violations that require immediate attention, such as terrorist financing or ongoing money laundering schemes, we will immediately call an appropriate law enforcement authority.
b. Red Flags


Red flags that signal possible money laundering or terrorist financing include, but are not limited to:
Customers – Insufficient or Suspicious Information


– Provides unusual or suspicious identification documents that cannot be readily verified.
– Reluctant to provide complete information about nature and purpose of business, prior banking relationships, anticipated account activity, officers and directors or business location.
– Refuses to identify a legitimate source for funds or information is false, misleading or substantially incorrect.
– Background is questionable or differs from expectations based on business activities.
– Customer with no discernible reason for using MGCG service.


Efforts to Avoid Reporting and Record keeping
– Reluctant to provide information needed to file reports or fails to proceed with transaction.
– Tries to persuade an employee not to file required reports or not to maintain required records.
– “Structures” deposits, withdrawals or purchase of monetary instruments below a certain amount to avoid reporting or record keeping requirements.
– Unusual concern with MGCG compliance with government reporting requirements and MGCG AML/CFT policies.


Certain Funds Transfer Activities
– Wire transfers to/from financial secrecy havens or high-risk geographic location without an apparent business reason.
– Many small, incoming wire transfers or deposits made using checks and money orders. Almost immediately withdrawn or wired out in manner inconsistent with customer’s business or history. May indicate a Ponzi scheme.
– Wire activity that is unexplained, repetitive, unusually large or shows unusual patterns or with no apparent business purpose.


Activity Inconsistent With Business
– Transactions patterns show a sudden change inconsistent with normal activities.
– Unusual transfers of funds or journal entries among accounts without any apparent business purpose.
– Maintains multiple accounts, or maintains accounts in the names of family members or corporate entities with no apparent business or other purpose.
– Appears to be acting as an agent for an undisclosed principal, but is reluctant to provide information.


Other Suspicious Customer Activity
– Unexplained high level of account activity with very low levels of securities transactions.
– Funds deposits for purchase of a long-term investment followed shortly by a request to liquidate the position and transfer the proceeds out of the account.
– Law enforcement requests.


c. Responding to Red Flags and Suspicious Activity
When an employee of MGCG detects any red flag, or other activity that may be suspicious, he or she will notify the MLRO. Under the direction of the MLRO, MGCG will determine whether or not and how to further investigate the matter. This may include gathering additional information internally or from third-party sources, contacting the government, freezing the account and/or informing the authorities.

9. Suspicious Transactions Reporting
a. Filing a report with the FSC or FCU


We will file a report with the authorities
for any transactions (including deposits and transfers) conducted or attempted by, at or through MGCG involving $10,000 or more of funds (either individually or in the aggregate) where we know, suspect or have reason to suspect: (1) the transaction involves funds derived from illegal activity or is intended or conducted in order to hide or disguise funds or assets derived from illegal activity as part of a plan to violate or evade law or regulation or to avoid any transaction reporting requirement under law or regulation; (2) the transaction is designed, whether through structuring or otherwise, to evade any requirements of the regulations; (3) the transaction has no business or apparent lawful purpose or is not the sort in which the customer would normally be expected to engage, and after examining the background, possible purpose of the transaction and other facts, we know of no reasonable explanation for the transaction; or (4) the transaction involves the use of MGCG to facilitate criminal activity.
We will also file a report and notify the appropriate law enforcement authority in situations involving violations that require immediate attention, such as terrorist financing or ongoing money laundering schemes. We may file a voluntary report for any suspicious transaction that we believe is relevant to the possible violation of any law or regulation but that is not required to be reported by us. It is our policy that all suspicious activities will be reported regularly to the Board of Directors and appropriate senior management.


b. Currency Transaction Reports
MGCG only allows FIAT currency transactions once accounts are activated. Any transfers over $10,000 may be reported to the authorities.


c. Currency Transportation
MGCG prohibits both the receipt of currency or other monetary instruments that have been transported, mailed or shipped to us.  MGCG only accepts currency transactions through financial institutions and internationally recognized payment platforms.


d. Monetary Instrument Purchases
We do not issue bank checks or drafts, cashier’s checks, money orders or traveller’s checks in the amount of $3,000 or more.

10. AML/CFT Record keeping
a. Responsibility for Required AML Records


Our MLRO and his or her designee will be responsible for ensuring that AML/CFT records are maintained properly. In addition, as part of our AML/CFT program, MGCG will create and maintain all relevant documentation on customer identity and verification (See Section 4 above) and funds transmittals. We will maintain all documentation for at least five years.


b. AML/CFT Reporting Maintenance and Confidentiality
We will hold reports and any supporting documentation confidential. We will not inform anyone outside of the authorities or other appropriate law enforcement or regulatory agency about a report. We will segregate report filings and copies of supporting documentation from other firm books and records to avoid disclosing information. Our MLRO will handle all requests for reports.We may share information with another institution about suspicious transactions in order to determine whether we will jointly file a report according to the rules and regulations of the authorities. In cases in which we file a joint report for a transaction that has been handled both by us and another institution, both institutions will maintain a copy of the filed report.


c. Additional Records
We shall retain either the original or a microfilm or other copy or reproduction of each of the following:
– A record of each advice, request or instruction received or given regarding any transaction resulting (or intended to result and later cancelled if such a record is normally made) in the transfer of currency or other monetary instruments, funds of more than $10,000;
– A record of each advice, request or instruction given to another institution (which includes broker-dealers) or other person, regarding a transaction intended to result in the transfer of funds, or of currency, other monetary instruments, of more than $10,000;
– Each document granting signature or trading authority over each customer’s account;
– A record of each remittance or transfer of funds, or of currency of more than $10,000 to a person, account or place; an
– A record of each receipt of currency and of each transfer of funds of more than $10,000 received on any one occasion directly and not through a domestic financial institution, from any person, account or place.

11. Clearing/Introducing Relationships
We will work closely with all collaborating institutions to detect money laundering. We will exchange information, records and data as necessary to comply with AML/CFT laws.

12. Training Programs
We will develop ongoing employee training under the leadership of the MLRO and senior management. Our training will occur on at least an annual basis. It will be based on our firm’s size, its customer base, and its resources and be updated as necessary to reflect any new developments in the law.  Our training will include, at a minimum: (1) how to identify red flags and signs of money laundering and/or the financing of terrorism that arise during the course of the employees’ duties; (2) what to do once the risk is identified (including how, when and to whom to escalate unusual customer activity or other red flags for analysis and, where appropriate, the filing of reports to the authorities; (3) what employees’ roles are in MGCG compliance efforts and how to perform them; (4) MGCG record retention policy; and (5) the disciplinary consequences (including civil and criminal penalties) for non-compliance with the FSC regulations.  We will develop training in our firm, or contract for it. Delivery of the training may include educational pamphlets, videos, intranet systems, in-person lectures and explanatory memos. We will maintain records to show the persons trained, the dates of training and the subject matter of their training.  We will review our operations to see if certain employees, such as those in compliance, margin and corporate security, require specialised additional training. Our written procedures will be updated to reflect any such changes.

13. Program to Independently Test AML /CFT Program
a. Staffing
The testing of our AML/CFT program will be performed at least annually (on a calendar year basis) by the testing officer, personnel of MGCG, who is not the MLRO nor does he perform the AML/CFT functions being tested nor does he report to any such persons. His qualifications include a working knowledge of applicable requirements under the FSC rules and regulations. To ensure that he remains independent, we will separate his functions from other AML/CFT activities. Independent testing will be performed more frequently if circumstances warrant.


b. Evaluation and Reporting
After we have completed the independent testing, staff will report its findings to an internal audit committee.  We will promptly address each of the resulting recommendations and keep a record of how each noted deficiency was resolved.


14. Monitoring Employee Conduct and Accounts
We will subject employee accounts to the same AML/CFT procedures as customer accounts, under the supervision of the MLRO. We will also review the AML/CFT performance of supervisors, as part of their annual performance review. The MLRO’s accounts will be reviewed by the testing officer

15. Confidential Reporting of AML/CFT Non-Compliance
Employees will promptly report any potential violations of MGCG AML/CFT compliance program to the MLRO, unless the violations implicate the MLRO, in which case the employee shall report to the testing officer. Such reports will be confidential, and the employee will suffer no retaliation for making them.

16. Additional Risk Areas
We have reviewed all areas of its business to identify potential money laundering and/or financing of terrorism risks that may not be covered in the procedures described above. The major additional areas of risk include future changes to regulations and hacking attempts on MGCG servers. Additional procedures to address these major risks are maintaining constant contact with the FSC and performing daily security checks on MGCG server security procedures, performed by a dedicated server security specialist.

17. Senior Manager Approval
Senior management has approved this AML/CFT compliance program in writing as reasonably designed to achieve and monitor our firm’s ongoing compliance with the requirements of the FSC and the implementing regulations under it.

COOKIES POLICY

COOKIES POLICY 

 

WHO WE ARE

We are one of the leading business consultancy and brokerage firm and marketplace based in Michigan – USA.

Company Registered Name: MG Capital Group Inc.


Website Address: https://www.mgcapitalgroupinc.com 


Our main office is located in 22167 Antler Drive, Novi- MI-48375. And our business address is 22167 Antler Drive, Novi- MI-48375.


This Cookies Policy has been prepared in accordance with the provisions of the EuropeanGeneral Data Protection Regulation (“GDPR”). 

 

COOKIES

Cookies are files sent by web servers to web browsers and stored by the web browsers and/or on your computer or mobile device that contains data related to a website you visit. It may allow a website “remember” your actions or preferences over a period of time, or it may contain data related to the function or delivery of the site. The information is then sent back to the server each time the browser requests a page from the server.  This enables a web server to identify and track web browsers. Cookies can be set by the owner of the website or in some cases by third party services the website owner allows to present other information, run content or provide other functionality such as analytics.


COOKIE USAGE ON OUR SITE/S

When you first visit this website, you will see a message informing you about cookies. If you click the ‘Hide this message” or “I agree” button, a cookie will be set that records your preference. Most browsers allow you to turn off cookies or to customize your settings for cookies. To find out how to do this, learn the “managing cookies in your browser”. Please note that if you turn off cookies or change your settings, some features of the website may not work correctly.


ABOUT COOKIES

This website uses cookies.  By using this website and agreeing to this policy, you consent to MG Capital Group Incuse of cookies in accordance with the terms of this policy.


GOOGLE COOKIES

We use Google Analytics to analyze the use of this website. Google Analytics generates statistical and other information about website use by means of cookies, which are stored on user’s computers.  The information generated relating to our website is used to create reports about the use of the website. Google will store and use this information.  Google’s privacy policy is available at:http://www.google.com/privacypolicy.html.

 

THIRD PARTY COOKIES

When you use this website, you may also be sent the third-party cookies, which may be used as per their policy and terms & conditions.


DISCLAIMER

By clicking “Continue” or continuing to use our site, you acknowledge that you accept our Privacy Policy, Cookies Policy and Terms of Use. We also use cookies to provide you with the best possible experience on our website. You can find out more about the cookies we use and learn how to manage them in policy statement. Feel free to check out our policies anytime for more information.

 

LIMITATION OF LIABILITY

Limitation of Liability 

MG Capital Group Inc doesn’t constitute and expressly disclaims any representation, warranty or guarantee of any kind whatsoever, whether express or implied, and will not stand liable for any direct or indirect loss, loss of profit, personal / business opportunities, emotional disturbances, special or consequential damages, conditions of merchantability, fitness for a particular purpose and non-infringement arising out of or in connection with any delay in performance or non-performance due to what so ever the reason may be.


The duties, responsibilities and obligations of MG Capital Group Inc towards any other party and / or to any third party are limited to the terms and conditions of its signed service agreement ONLY and in no scenario the compensation and / or indemnification can increase than the value of its earned fee as per the signed contract whether sued or settled.

 

MODE OF PAYMENT

MODE OF PAYMENT


For an ease of our valuable clients, MG Capital Group Inc offer multiple payment options given as below;

  • Pay by Cheque –
    • Cheques issued under the name of “MG Capital Group Inc.” can be dropped to our office.
    • We can arrange for a pickup as per your convenience.
  • Pay by Cash – Cash dealing is only allowed with the premises of MG Capital Group Inc – Michigan office in exchange with the company receipt only.
  • Bank Transfer – Bank Transfer, ACH and Wire (Cash / Online) coming soon.
  • MG Capital Group Inc is not responsible for any direct / cash / un-authorized payment to any of its representatives (direct /indirect).
  • MG Capital Group Inc provides its clients to pay online through its company website (www.mgcapitalgroupinc.com) via Credit card. An extra amount of 3% will be charged in case of credit card transaction as Bank Fee.
  • MG Capital Group Inc provides its clients to pay online through its company website (www.mgcapitalgroupinc.com) via Bitcoins also.

For any further explanation / discussion, please feel free to contact our hotline +1-408-216-869

REFUND POLICY

Refund Policy 


In an un-fortunate scenario, where the refund of the amount is claimed, MG Capital Group Inc strict Refund Policy is given as below;

  • MG Capital Group Inc is a services-based consulting firm and is fully eligible to be compensated against its time, experience, expertise, advisory, consulting and services. Any amount earned in its scope of services is not refundable unless expressly declared. 
  • Management Fee and Consulting Fee is treated as advance payment and considered as earned against the time and services of the Consultant, except the termination of the agreement for cause where;
    • If the premature termination is happening prior to rendering the full services, then a fair calculation will be made as per professional services rate along with any reimbursements and the portion of the unearned amount will be refunded to the Client. 
    • If the full scope of services is completed, Client might not be eligible for any refund.
  • Any third-party payments including but not limited to investment amount, govt. / authority fee, third party payment, attorney fee, vendor payment is out of the scope of responsibility of MG Capital Group Inc and any refund is subject to their independent policy without any prejudice of MG Capital Group Inc. 
  • Full refund will be issued in case of technical error such as double charging or any other cases where MG Capital Group Inc are responsible.
  • A refund claim is acceptable in case of the inability or incompetency of service execution and in which case a fair calculation of compensation against the time and efforts must be evaluated. 
  • Refund will be issued through the Original Mode of Payment or via Bank Transfer or Check where it is not possible to refund via the original mode of payment.
  • Any success fee, referral fee, brokerage fee, commission or repatriation once earned is not refundable. 
  • In any particular service request, the refund policy stated and described in its service contract is considered as annex to this refund policy and is enforceable. 
  • Any refund request should be made in written email / letter form stating the exact reason of Refund claim which will immediately lead to suspension or termination of services. 
  • Any refunds requested due to a customer error will be subject to a $ 350 administration charge, once approved. 
  • Any refund once approved, will be processed within 30-45 working days.

 

SERVICE DELIVERY AND CONTINUITY POLICY

SERVICE DELIVERY AND CONTINUITY POLICY 


MG Capital Group Inc is committed to provided a state of the art services to fulfill its contractual obligation and to achieve the maximum satisfaction of its clients and is authorized to use any external resources including but not limited to other service providers, attorneys, solicitors, vendors, freelancers, locally or global outsource staff, independent contractors or any individual or organization on its own discretion for the successful execution and competition of the services.


MG Capital Group Inc works on pre-paid services model and it reserves the rights to cancel / withdraw or suspend any of its ongoing services due to delay in payment or non-payment of its services.


MG Capital Group Inc reserves the right to stop or terminate the continuity of its services or block the access of any one to access the services and subscriptions available online, even if paid (ongoing) services, at per its own discretion in respect to the Terms of Use also called as User Agreement.


MG Capital Group Inc will NOT deal, entertain or provide services to any of OFAC* sanctioned countries or any other restrictions as per law of Unites Stated of America.


*OFAC administers a number of different sanctions programs. The sanctions can be either comprehensive or selective, using the blocking of assets and trade restrictions to accomplish foreign policy and national security goals.

 

INVESTMENTS RISK DISCLAIMERS
INVESTMENT RISKS


Risk is inherent in any investment product or objective/strategy, and MG Capital Group Inc. does not guarantee any level of return on a client’sinvestments. There is no assurance that a client’s investment objectives will be achieved, and a client could lose all or a portion of the amountinvested. The management of client accounts and recommendations made to clients are based in part upon the use of forward-looking projections,which in turn are based upon certain assumptions about how markets will perform in the future. There can be no guarantee that markets will perform in the manner assumed and the actual performance of markets and a client’s Account could differ materially from those assumptions. Also, a client’s Account value may fluctuate, sometimes dramatically, depending upon the nature of the client’s investments, market conditions and other factors.A client may be subject to certain risks based on the investments in the client’s account and the client’s investment strategies, including, but not limited to the risks described below. Clients should not pursue a strategy or invest in an investment product unless they are prepared to accept the associated risks. Clients are encouraged to discuss with their Financial Advisor the risks that apply to them. A client should also review the prospectus or other disclosure document for any security or other investment product in which the client invests, as it will contain important information about the risks associated with investing in such security or other investment product.


General Investment Risks


Set forth below is a summary of the general risks associated with common investments.


Securities Selection Risks. A client’s account may fluctuate in value differently than, or in the opposite direction as, the overall market or applicable benchmark because of the selection of individual securities for the Account. The judgments made about the attractiveness, value and potential appreciation of particular securities may prove to be incorrect. For example, while the stock markets may experience increases in value, the client’s account may experience a decline in value due to the underperformance of the stocks selected for investment in the client’s account.


 


Investment Objective and Asset Allocation Risks. A client’s investment objective and asset allocation strategies involve the risk that certainasset classes selected for the client’s account may not perform as well as other asset classes during varying periods. In addition, clients who pursue more aggressive investment objectives and asset allocation strategies, while hoping to achieve high returns, may face greater risk of loss than clients with more conservative objectives and strategies. In developing investment objectives and asset allocation strategies, clientsshould carefully consider their financial situation and needs, investment goals, investment time horizon and risk tolerance. A client shouldinform the client’s Financial Advisor of these considerations so the Financial Advisor can assist in determining the client’s investment objectives and asset allocation strategies.


 
Stock Market Risks. Common stock and other equity security prices vary and may fall, thus reducing the value of a client’s investments. Certain stocks selected for a client’s account may decline in value more than the overall stock market.



Equity Securities Risks.Common stocks and other equity securities may experience sudden, unpredictable drops in value or long periods ofdecline in value. This may occur because of factors that affect the securities markets in general, such as adverse changes in economic conditions, the general outlook for corporate earnings, interest rates or investor sentiment. Equity securities may also lose value because of factors affecting an entire industry or sector, such as increases in production costs, or factors directly related to a specific company, such as decisions made by its management.



Common Stock Risks.Common stocks are susceptible to general stock market fluctuations and to volatile increases and decreases in value asmarket confidence in and perceptions of their issuers change. These investor perceptions are based on various and unpredictable factors including:expectations regarding government, economic, monetary and fiscal policies; inflation and interest rates; economic expansion or contraction; andglobal or regional political, economic and banking crises. Holders of common stocks are generally subject to greater risk than holders of preferredstocks and debt obligations of the same issuer because common stockholders generally have inferior rights to receive payments from issuers incomparison with the rights of preferred stockholders, bondholders and other creditors.


 


Capitalization Risks.A client may be invested in small- and mid-cap stocks, which are often more volatile and less liquid than investments inlarger companies. The frequency and volume of trading in securities of such companies may be substantially less than is typical of larger companies.Therefore, the securities of such companies may be subject to greater and more abrupt price fluctuations. In addition, small- and mid-size companies may lack the management experience, financial resources and product diversification of larger companies, making them more susceptible to market pressures and business failure.



Investment Style Risks.Investment styles or strategies that focus on growth stocks may perform better or worse than styles or strategies that focus on value stocks or that are broader or more diversified. Similarly, investment styles or strategies that focus on value stocks may performbetter or worse than styles or strategies that focus on growth stocks or that are broader or more diversified. A particular style of investing may go out of favor at times and for extended periods. Growth stocks are often characterized by high price-to-earnings ratios and may be more volatile than stocks with lower price-to-earnings ratios. Value stocks are subject to the risk that the broader market may not agree with the manager’s assessment of, or recognize, the investments’ intrinsic value.


 
Foreign Issuer and Investment Risks.Securities of foreign issuers and investments in foreign markets generally are subject to certain inherent risks, such as political or economic instability of the country of issue, the difficulty of predicting international trade patterns and the possibility ofimposition of exchange controls. Such securities may also be subject to greater fluctuations in price than securities of domestic corporations.Investors in foreign markets may face delayed settlements, currency controls and adverse economic developments as well as higher overalltransaction costs. In addition, fluctuations in the U.S. dollar’s value versus other currencies may enhance, erode, reverse gains or widen losses frominvestments denominated in foreign currencies. For instance, foreign governments may limit or prevent investors from transferring their capital out of a country. This may affect the value of a client’s investment in the country that adopts such currency controls. Exchange rate fluctuations also may impair an issuer’s ability to repay U.S. dollar denominated debt, thereby increasing the credit risk of such debt. In addition, there may be less publicly available information about a foreign company than about a domestic company. Foreign companies generally are not subject to uniform accounting, auditing and financial reporting standards comparable to those applicable to domestic companies. With respect to certain foreign countries, there is a possibility of expropriation or confiscatory taxation, or diplomatic developments, which could affect investment in those countries.



Fixed Income Security Risks.Fixed income securities are subject to certain risks, including interest rate risk, credit risk, liquidity risk and call risk.In addition, they are subject to maturity risk. Generally, the longer a bond’s maturity, the greater the interest rate risk and the higher its yield.Conversely, the shorter a bond’s maturity, the lower the interest rate risk and the lower its yield. Non-rated, split-rated, below investment grade, andmortgage-backed and other asset-backed securities have additional, special risks.


 
Interest Rate Risk.The value of some investment products, particularly fixed income securities, is affected significantly by changes in interest rates.Generally, when interest rates rise, the product’s market value declines; and when interest rates decline, its market value rises. In addition, a rise in interest rates may have a negative impact on the issuer, which, in turn, could have a negative impact on the market value of the investment product.



Credit Risk.The value of some investment products, particularly fixed income securities, is affected by changes in the product’s credit quality rating or the issuer’s financial condition. If the credit quality rating or the issuer’s financial condition declines, so may the value of the investmentproduct. Issuers may experience unanticipated financial problems and may be unable to meet its payment obligations. Municipal obligations in particular may be adversely affected by political and economic conditions and developments (for example, legislation reducing state aid to localgovernments.) Bonds receiving the lowest investment grade rating or a non-investment grade rating may have speculative characteristics and,compared to higher grade debt obligations, may have a weakened capacity to make principal and interest payments due to changes in economic conditions or other adverse circumstances. Ratings agencies such as Moody’s, Fitch and S&P provide ratings on bonds based on their analyses of information they deem relevant. Ratings are essentially opinions or judgments of the credit quality of an issuer and may prove to be inaccurate.In addition, there may be a delay between events or circumstances adversely affecting the ability of an issuer to pay interest and/or repay principal and an agency’s decision to downgrade a security.



Call or Prepayment Risk/Extension Risk. A fixed income security may be callable by the issuer after a certain period of time or at any time. This means that the issuer can redeem or repurchase the security at a pre-determined price.


Generally, an issuer will redeem or repurchase a security when prevailing interest rates are lower. Mortgage- or asset- backed debt obligations aresubject to prepayment risk, which is the risk that the borrowers will prepay amounts owed to investors. Mortgage- or asset-based debt obligations are also subject to extension risk, which is the risk that the underlying mortgages or other assets will be paid off by the borrowers more slowly than anticipated, thus increasing the average life of such bonds and the sensitivity of the prices of such bonds to future interest rate changes.



Government Obligation Risks.Client assets may be invested in securities issued, sponsored or guaranteed by the U.S. Government, its agencies and instrumentalities. However, no assurance can be given that the U.S. Government will provide financial support to U.S. Government-sponsored agencies or instrumentalities where it is not obligated to do so by law. For instance, securities issued by the Government NationalMortgage Association (“Ginnie Mae”) are supported by the full faith and credit of the United States. Securities issued by the Federal NationalMortgage Association (“Fannie Mae”) and the Federal Home Loan Mortgage Corporation (“Freddie Mac”) have historically been supported only bythe discretionary authority of the U.S. Government. While the U.S. Government provides financial support to various U.S. Government-sponsoredagencies and instrumentalities, such as those listed above, no assurance can be given that it will always do so.


 
Municipal Securities Risks. Repayment of municipal securities depends on the ability of the issuer or project backing such securities to generatetaxes or revenues. Municipal securities may also decrease in value during times when tax rates are falling. Since interest income on municipalsecurities is normally not subject to regular federal income taxation, the attractiveness of municipal securities in relation to other investmentalternatives is affected by changes in federal income tax rates applicable to, or the continuing federal tax-exempt status of, such interest income. Any proposed or actual changes in such rates or exempt status, therefore, can significantly affect the liquidity, marketability and supply and demand for municipal securities, which would in turn affect MG Capital Group Inc.’s ability to acquire and dispose of municipal securities atdesirable yield and price levels. Investment in tax-exempt debt obligations poses additional risks. In many cases, the IRS has not ruled on whether theinterest received on a tax-exempt obligation is tax-exempt, and accordingly, purchases of these municipal securities are based on the opinion of bondcounsel to the issuers at the time of issuance. Thus, there is a risk that interest may be taxable on a municipal security that is otherwise expected to produce tax-exempt interest.



Asset-Backed Securities Risks.Asset-backed securities are securities secured or backed by mortgage loans, student loans, automobile loans,installment sale contracts, credit card receivables or other assets and are issued by entities such as commercial banks, trusts, financial companies, finance subsidiaries of industrial companies, savings and loan associations, mortgage banks and investment banks. These securities represent interests in pools of assets in which periodic payments of interest or principal on the securities are made, thus, in effect, passing through periodicpayments made by the individual borrowers on the assets that underlie the securities, net of any fees paid to the issuer or guarantor of the securities.Asset-backed securities are issued in multiple classes (or tranches) and their relative payment rights may be structured in many ways. Asset-backedsecurities may be subject to greater risk of default during periods of economic downturn than other instruments. Asset-backed securities also can bemore sensitive to interest rate risk than other types of fixed income securities. Modest movements in interest rates (both increases and decreases) may quickly and significantly reduce the value of certain types of these securities. Asset-backed securities are subject to a number of other risks,including, but not limited to, market and valuation risks, liquidity risk, and prepayment risk.


 
Money Market Fund Risks.A money market fund is a type of mutual fund that generally invests in short-term debt instruments. Many investors use money market funds to store cash. There are three primary types of money market funds: (1) government money market funds (funds that invest nearly all assets in cash, government securities, and/or repurchase agreements collateralized by cash or government securities),including U.S. Treasury money market funds that invest in U.S. Treasury issued debt securities such as bills, notes and bonds; (2) prime moneymarket funds (funds that may invest in any eligible U.S. dollar-denominated money market instruments as defined by Rule 2a-7 under the Investment Company Act of 1940, including government and agency securities, commercial paper, corporate notes, certificates of deposit,corporate notes, and repurchase agreements); and (3) tax-exempt money market funds that invest in municipal securities whose interest is exempt from federal income tax or both federal and state income tax. In addition, money market funds are further divided into retail and institutional categories. Retail money market funds (which may consist of prime or tax-exempt funds) have policies and procedures reasonably designed to limitbeneficial ownership to natural persons. Institutional money market funds (which may consist of prime or tax-exempt funds) permit beneficialownership by institutions and natural persons. Government money market mutual funds are available to both retail and institutional investors. Therules governing money market mutual funds vary based whether the fund is a retail, institutional or government fund. Retail and government money market funds generally try to keep their net asset value (NAV) at a stable $1.00 per share using special pricing and valuation conventions.Institutional money market mutual funds are required to calculate their NAV in a manner such that the NAV will vary based upon the market value of assets and liabilities of the fund (also known as a “floating NAV”). An investment in a money market fund is not insured or guaranteed by theFDIC or any other government agency. Although some money market funds seek to preserve the value of an investment at $1.00 per share, there can be no assurance that will occur, and it is possible to lose money should the fund value per share fall. In some circumstances, money market funds may be forced to cease operations when the value of a fund drops. In that event, the fund's holdings may be liquidated and distributed to the fund's shareholders. This liquidation process could take time to complete. During that time, the amounts a client has invested in the money market mutual fund would not be available for purchases or withdrawals. In addition, retail and institutional money market funds are required to impose redemption fees (also known as liquidity fees) and suspend redemptions (also known as redemption gates) in certain circumstances. Government money market funds may also impose redemption fees and suspend redemptions in those same circumstances. More specific information about how a money market mutual fund calculates its NAV and the circumstances under which it will impose a liquidity fee or redemption gate is set forth in the prospectus for that fund.

Illiquid Securities and Liquidity Risks.Liquidity risk is the risk that certain investments may be difficult or impossible to sell at the time and price that a client would like to sell. Clients may have to lower the price, sell other investments or forego an investment opportunity, any of which may have a negative effect on the management or performance of client accounts. The liquidity of a particular investment depends on the strength of demand for the investment, which is generally related to the willingness of broker-dealers to make a market for the investment as well as the interest of other investors to buy the investment. During periods of economic uncertainty, significant economic and market downturns andperiods in which financial services firms are unable to commit capital to make a market in, or otherwise buy, certain investments, a client mayexperience challenges in selling such investments at optimal prices. In addition, recent regulatory changes applicable to financial intermediaries that make markets in debt securities have restricted or made it less desirable for those financial intermediaries to hold large inventories of debtsecurities.


Concentration Risks. A client’s account may consist of a portfolio of securities that is concentrated in an issuer or group of issuers, an industry oreconomic sector or group of related industries or sectors, or concentrated in limited asset classes. Client accounts with concentrated positions aresusceptible to greater volatility and increased risk of loss than an Account that is diversified across several issuers and industries or sectors and assetclasses. A client should not engage in strategies using concentration unless the client is prepared to experience significant losses in the value of the client’s account.


Mutual Fund Risks. Mutual funds can have many different investment objectives and strategies, including equity, fixed income, balanced, international, and global strategies, and strategies that focus on a particular market capitalization, investment style, economic industry or sector, orgeographic region. Mutual funds have risks, which may include market risk, management and securities selection risk, investment objective and assetallocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer and investment risk, and emerging market risk. Also, investment return and principal valuewill fluctuate, and shares, when redeemed, may be worth more or less than their original cost.


Exchange-Traded Fund (ETF) Risks. An ETF is different from a mutual fund in that an ETF does not sell its shares directly to public investorsand does not redeem shares from public investors. Rather, shares of an ETF are commonly purchased or sold in the secondary market on a securitiesexchange, like common stocks. An ETF maintains a net asset value but, based on demand and other factors, the market price of shares of an ETFmay vary from its net asset value.


ETFs invest in and hold securities and other assets, such as stocks, bonds, commodities and currencies, and have stated investment objectives and principal strategies. ETFs can have many different investment objectives and strategies, including equity, fixed income, balanced, international,and global strategies, and strategies that focus on a particular market capitalization, investment style, economic industry or sector, or geographicregion. Many ETFs seek to track the performance of an index or other underlying benchmark. Passively managed ETFs will not be able to replicateexactly the performance of the indices the ETFs track because the total return generated by the securities will be reduced by management fees,transaction costs and other expenses incurred by the ETF. ETFs have other risks, which may include market risk, management and securitiesselection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk,interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer and investment risk, and emerging market risk.


Closed-End Fund Risks. Unlike mutual funds which continuously offer and redeem their shares on a daily basis at net asset value, closed-end fundstypically raise money by selling a fixed number of shares of common stock in a single, one- time offering, much the way a company issues stock in an initial public offering. Closed-end funds can have many different investment objectives and strategies, including equity, fixed income, balanced, international, and global strategies, and strategies that focus on a particular market capitalization, investment style, economic industry or sector, or geographic region. Closed-end fund shares are not redeemable, meaning that investors cannot require closed-end funds to buy back their shares, although closed-end fund shares are listed and traded on an exchange. For many reasons, closed-end fund shares often trade at a discount to their net asset value and the market prices of closed end fund shares often fall below their public offering prices. Clients are therefore cautioned about buying shares of a closed-end fund in its initial public offering. Closed-end funds often engage in leverage to raise additional capital for purposes of making investments through borrowings and issuances of senior securities (such as preferred stock). Such leverage may present the opportunity to enhance potential returns but also involve the risk of exacerbating losses and depreciation in the value of the underlying securities. Closed-end funds have other risks, which may include market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer and investment risk, and emerging market risk. Some closed-end funds are organized as interval funds, which differ from traditional closed-end funds in that their shares do not trade on the secondary market, but instead their shares are subject to repurchase offers from the fund. Closed-end funds structured as an interval fund will, therefore be relatively less liquid. Interval funds also often impose a redemption fee when shares are sold back to the fund. The degree of these and other risks will vary depending on the type of close-end fund selected.



Unit Investment Trust (UIT) Risks. A UIT is a pooled investment vehicle in which a portfolio of securities is selected by the sponsor anddeposited into the trust for a specified period of time. The portfolio of a UIT is designed to follow an investment objective over a specified timeperiod, although there is no guarantee that the objective will be met. UITs can have many different investment objectives and strategies, including equity, fixed income, balanced, international, and global strategies, and strategies that focus on a particular market capitalization, investment style, economic industry or sector, or geographic region. UITs are passively managed and follow a “buy and hold” strategy, meaning that UITs buy afixed portfolio of securities and hold on to that portfolio until their termination date at which time the portfolio is liquidated with the net proceedspaid to investors. UITs, thus, generally have a relatively higher risk of loss than other funds in the event of adverse changes in market or economicconditions. UITs have other risks, which may include management and securities selection risk, investment objective and asset allocation risk, stockmarket risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, capitalization risk, investment stylerisk, foreign issuer and investment risk, and emerging market risk. The degree of these and other risks will vary depending on the type of UITselected. Also, investment return and principal value will fluctuate, and units, if and when redeemed, may be worth more or less than their originalcost.



Non-Traditional Assets and Complex Strategies Risks


Set forth below is a summary of the risks associated with investments in non-traditional assets and complex strategies.


Non-Traditional Assets Risks. Non-traditional assets, such as real estate, commodities, currencies and private companies, are subject to risksthat are different from, and in some instances, greater than, other assets like stocks and bonds. Some Non-traditional assets are less transparent and more sensitive to domestic and foreign political and economic conditions than more traditional investments. Non-traditional assets are alsogenerally more difficult to value, less liquid, and subject to greater volatility compared to stocks and bonds.


Commodities Risks. Investments in commodities markets or a particular sector of the commodities markets, and investments in securities or other instruments denominated in or indexed or linked to commodities, are subject to certain risks. Those investments generally will subject a client’s account to greater volatility than investments in traditional securities. The commodities markets are impacted by a variety of factors,including changes in overall market movements, domestic and foreign political and economic conditions, interest rates, inflation rates and investmentand trading activities in commodities. Prices of commodities may also be affected by factors such as drought, floods, weather, livestock disease,embargoes, tariffs and other regulatory developments. The prices of commodities can also fluctuate widely due to supply and demand disruptions inmajor producing or consuming regions. Certain commodities may be produced in a limited number of countries and may be controlled by a smallnumber of producers or groups of producers. As a result, political, economic and supply related events in such countries could have adisproportionate impact on the prices of such commodities. No active trading market may exist for certain commodities investments, which may impair the value of the investments.


Currency Risks. Investments in currencies, and investments in securities or other instruments denominated in or indexed or linked to currencies,are subject to certain risks. Those investments are subject to all of the risks associated with foreign investing generally. In addition, currency markets generally are not as regulated as securities markets. Also, changes in currency exchange rates could adversely impact the investment. Devaluation of a currency by a country will also have a significant negative impact on the value of any investment denominated in that currency. Currency investments may also be positively or negatively affected by a country’s strategies intended to make its currency stronger or weaker relative to other currencies.


Leverage and Margin Risks. Leveraging strategies may amplify the impact of any decrease in the value of underlying securities in a client’s account,thereby increasing the client’s risk of loss. The use of leverage may also increase volatility experienced in a client’s account. A client should not engage in strategies involving leverage or margin unless the client is prepared to experience significant losses in the value of his or her account.



Short Sales Risks. Short selling runs the risk of loss if the price of the securities sold short does not decline below the price at which they wereoriginally sold. This risk of loss is theoretically unlimited, as there is no cap on the amount that the price of a security may appreciate. In addition, alender may request, or market conditions may dictate, that securities sold short be returned to the lender on short notice, which may result having to buy the securities sold short at an unfavorable price. A client should not engage in short sales unless the client is prepared to experience significant losses in his or her account.


Options Risks. In purchasing a put or call option, the purchaser faces the risk of loss of the premium paid for the option if the market price moves in a direction opposite to what the purchaser had expected. In selling or writing an option, the seller faces significantly more risk. A sellerof a call option faces the risk of significant loss if the prevailing market price of the underlying security or index increases above the strike price. A seller of a put option faces the risk of significant loss if the prevailing market price of the underlying security or index decreases below the strike price.


Derivative Instrument Risks. The values of options, convertible securities, futures, swaps, forward contracts and other derivative instruments isderived from an underlying asset, such as a security, commodity, currency, or index. Derivative instruments often have risks similar to the underlyingasset, however, in certain cases, those risks are greater than the risks presented by the underlying asset. Derivative instruments may experiencedramatic price changes and imperfect correlations between the price of the derivative and the underlying asset, which may increase volatility. Derivatives generally create leverage, and as a result, a small movement in the underlying asset's value can result in large change in the value of thederivative instrument. Derivatives are also subject to liquidity risk, interest rate risk, market risk, credit risk, management risk and counterparty risk.The use of these instruments is not appropriate for some clients because they involve special risks. A client should not invest in these instruments unless the client is prepared to experience volatility and significant losses in the client’s account.


Hedging Risks. When a derivative instrument is used as a hedge against an opposite position, any loss on the derivative instrument should besubstantially offset by gains on the hedged investment, and vice versa. Although hedging can be an effective way to reduce the investment risk, it may not always perfectly offset one position with another. As a result, there is no assurance that hedging transactions will be effective.


Complex Investment Product Risks
Set forth below is a summary of the risks associated with investments in alternative or complex products.


Hedge Funds and Funds of Hedge Fund Risks. Hedge funds typically engage in one or more complex strategies, including the use of non-traditional assets, short sales, leverage and other derivative instruments. Funds of hedge funds typically invest substantially all of their assets in otherhedge funds. Hedge funds and funds of hedge funds have unique tax characteristics. A client should consult with a tax advisor before investing in those funds. Some hedge funds and funds of hedge funds are subject to limited regulation and offer limited disclosure and transparency. Also, thecosts of hedge funds and funds of hedge funds are typically higher than other types of funds. Investment advisers or managers for those funds oftenreceive a management fee plus an incentive or performance-based fee. Because of the existence of a performance-based fee, fund managers may be motivated to make riskier investments that have the potential for significant growth in value. Hedge funds and funds of hedge funds are also subject to a higher risk of incorrect valuations. Many hedge funds hold investments for which market quotations are not readily available, whichnecessitates the use of “fair value” pricing. Fair value pricing is an inherently subjective process and may not accurately reflect the prices that canactually be obtained upon sale of the assets for which fair values are used. Investments in hedge funds and funds of hedge funds also have reduced liquidity compared to other investments and are generally subject to a higher risk of volatility. Investing in hedge funds and funds of hedge funds involves other special risks, including, but not limited to, risks associated with non-traditional assets, short sales, leverage, derivative instruments, and complex strategies. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer and investment risk, and emerging market risk. Hedge funds and funds of hedge funds are complex investments that have significant, special risks. As a result, they may not be suitable for some clients. Clients investing in hedge funds or funds of hedge funds should have a high tolerance for risk, including the willingness and ability to accept significant price volatility, potential lack of liquidity and potential loss of their investment.

Private Equity Funds and Funds of Private Equity Funds Risks. Private equity funds are pools of actively managed capital that invest primarilyin private companies with the intent of creating value in the companies in which they invest by improving operations, reducing costs, selling non-coreassets and maximizing cash flow. Private equity funds usually have an investment objective or strategy that may focus on companies in certain sectors,industries, geographic regions, size ranges or stages of development or operations, or on certain types and sizes of investments. Funds of privateequity funds typically invest substantially all of their assets in other private equity funds. Private equity funds and funds of private equity fundshave unique tax characteristics. A client should consult with a tax advisor before investing in those funds. Private equity funds and funds of privateequity funds are subject to limited regulation and offer limited disclosure and transparency. Also, the costs of private equity funds and funds of privateequity funds are typically higher than other types of funds. Investment advisers or managers for those funds often receive a management fee plus anincentive fee or carried interest. Private equity funds and funds of private equity fund are also generally subject to administrative service fees and portfolio company transaction fees. Because of the existence of a carried interest, fund managers may be motivated to make riskier investments that have the potential for significant growth in value. Investments in private equity funds and funds of private equity funds also have reduced liquidity compared to other investments. Investors should not expect to receive distributions from a fund for a number of years. Private equityinvesting is very risky. Many investments made in portfolio companies are not profitable. In addition, investments made by private equity funds and funds of private equity funds may be concentrated in one or more economic industries or sectors, geographic regions, stages of development oroperation, or sizes of companies. Investing in private equity funds and funds of private equity funds involves other special risks, including, but notlimited to, dependence upon key personnel and conflicts of interest risks. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocation risk, interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer andinvestment risk, and emerging market risk. Private equity funds and funds of private equity funds are complex investments that have significant, special risks. As a result, they may not be suitable for some clients. Clients investing in private equity funds and funds of private equity funds should have ahigh tolerance for risk, including the willingness and ability to accept lack of liquidity and potential loss of their investment.


Private Credit Funds or Floating Rate Bond Fund Risks. Private credit funds or floating rate bond funds invest in floating rate bonds, alsoknown as floating rate corporate debt, floating rate loans or floating rate bank loans, which are a type of fixed income security that have unique characteristics and risks compared to traditional bonds. Floating rate bonds are not issued by a company directly to the public. Instead, financialinstitutions provide loans to companies that need funding. The loans are then combined and repackaged for sale to investors. Sometimes, repaymentof the loan is secured by assets of the companies obtaining the loans. However, the companies underlying floating rate bonds are frequently those that have low or no credit ratings. Thus, floating rate bonds generally are subject the same risks as below investment grade or “junk” bonds. Unlike traditional bonds, interest payments on floating-rate bonds, are determined by a reference interest rate, such as the federal funds rate. The interest rate of floating rate bonds is reset periodically to the then-existing reference rate. Consequently, the interest payments made on those bonds vary, or “float”, in accordance with reference rate. Because the interest rate is periodically reset to a reference interest rate, floating-rate bonds are generally subject to lower interest rate risk compared to traditional bonds. Floating rate bonds are generally resold in a private secondary market, which may be subject to irregular trading activity and settlement periods. As a result, floating rate bonds are subject to greater liquidity risk than other investments.


Exchange Traded Notes Risks. An ETN is a type of debt security that trades on an exchange and provides a return linked to the performance ofan underlying benchmark. The underlying benchmark can be a particular security, bond, commodity, currency, or other non-traditional asset type, a group or basket of companies, securities, commodities, currencies, derivative instruments, non-traditional asset investments or other assets, or an index or other benchmark linked to stocks, market volatility, bonds, interest rates, Treasury yields, yield curves and spreads, derivative instruments, strategies, commodities, currencies or other assets. ETNs trade on exchanges throughout the day at prices determined by the market. Unlike ETFs,issuers of ETNs do not buy or hold assets to replicate or approximate the performance of the underlying benchmark. Also in contrast to ETFs, ETNs also do not calculate their net asset value, are generally not redeemable on a daily basis, and are not registered under the InvestmentCompany Act of 1940. Issuers may also have the right and option to redeem ETNs. Redemptions are made at the ETN’s “indicative value” or “closing indicative value”. An ETN's closing indicative value is computed by the issuer and is distinct from an ETN's market price, which is the price at which an ETN trades in the secondary market. Issuers of ETNs may also issue and redeem notes as a means to keep the ETN’s market price in line with its indicative value, which have caused significant fluctuations in ETN prices. Investing in ETNs involves special risks, including, but not limited to, risks associated with non-traditional assets and derivative instruments and the risk that the actual market price for an ETN may vary significantly from the indicative value computed by the issuer. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, capitalization risk, investment style risk, foreign issuer and investment risk, and emerging market risk. ETNs are complex investments and involve significant, special risks. As a result, ETNs may not be suitable for some clients.


 
Managed Futures Risks. Managed futures are commodity pools (typically structured as investment partnerships) managed by a futures tradingadviser that trade speculatively in various derivative instruments and other investments. There are significantly higher fees and expenses associated with investments in managed futures than other types of funds. Sponsors or managers for these pools often receive a management fee plusincentive or performance-based fee. Because of the existence of a performance-based fee, managers may be motivated to make riskier investmentsthat have the potential for significant growth in value. Managed futures may seek exposure to different asset classes, such as equity securities, fixedincome securities, commodities (such as metals, agricultural products, and energy products), currencies, interest rates, and indices. Managed futures often obtain this exposure through derivative instruments, which may be traded on U.S. or foreign exchanges or markets. Managed futures often employ computerized, systematic and often proprietary trading models and systems. Investing in managed futures involves special risks, including,but not limited to, liquidity risks and risks associated with commodities, currencies, and other non-traditional assets, leverage, derivative instruments and complex strategies. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocationrisk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, foreign issuer andinvestment risk, and emerging market risk. Managed futures can be speculative investments because of the types of investments they make and theyinvolve significant, special risks. As a result, they may not be suitable for some clients. Clients investing in these funds should have a high tolerance for risk, including the willingness and ability to accept significant price volatility, potential lack of liquidity and potential loss of their investment.



Leveraged Fund and Inverse Fund Risks. Leveraged funds and inverse funds may be structured as ETNs, ETFs or open-end mutual funds.Leveraged funds seek to deliver multiples of the performance of the index or benchmark they track. Inverse funds seek to deliver the opposite ofthe performance of the index or benchmark they track. Leveraged inverse funds seek to achieve a return that is a multiple of the inverse performance of the underlying index. Most leveraged and inverse funds “reset” daily, which means that they are designed to achieve their stated objectives on a daily basis. Because of the effects of compounding, volatility and the fund expenses, the returns of a leveraged or inverse fund over longer periods of time can differ significantly from the performance (or inverse of the performance) of their underlying index or benchmark during the same period of time. To achieve their objectives, leveraged and inverse funds typically employ aggressive investment techniques, such as the use of leverage, short sales, swap contracts, futures, options and other derivative instruments. Investing in leveraged funds and inverse funds involves special risks, including, but not limited to, risks associated with non-traditional assets, short sales, leverage, and derivative instruments. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, credit risk, foreign issuer and investment risk, and emerging market risk. Leveraged funds and inverse funds are complex investments that have an increased risk of loss compared to other funds and they involve significant, special risks. As a result, they may not be suitable for some clients. A client should not invest in these securities unless the client is prepared to experience significant losses in the value of the client’s account.


Structured Products Risks. Structured products are a hybrid between two asset classes (typically issued in the form of a CD or note) but instead of having a pre-determined rate of interest, the return is linked to the performance of an underlying asset class, such as single security or basket or index of securities; a commodity or basket or index of commodities, including futures; and a foreign currency or basket of foreign currencies.Investing in structured products involves special risks, including, but not limited to, risks associated with derivative instruments. Other risks mayinclude: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securitiesrisk, common stock risk, fixed income securities risk, interest rate risk, credit risk, foreign issuer and investment risk, emerging market risk,commodities risk and currency risk. Structured products are complex investments and involve special risks. As a result, they may not be suitable for some clients.



Real Estate Investment Trusts Risks. A REIT is a corporation, trust or association that owns and typically operates income-producing real estateor real estate-related assets. The income-producing real estate assets owned by a REIT may include office buildings, shopping malls, multi-familyhousing, student housing, hotels, resorts, hospitals and health care facilities, self-storage facilities, data centers, warehouses, telecommunicationsfacilities, and mortgages or loans. Many REITs are registered with the SEC and their common stock and preferred stock are publicly traded on a stockexchange. These are known as publicly traded REITs. Others may be registered with the SEC but are not publicly traded. These are known as private REITs (also known as non-traded or non-exchange traded REITs). Private REITs are generally subject to limited regulation and offerlimited disclosure and transparency. The shareholders of a REIT are responsible for paying taxes on the dividends that they receive and on anycapital gains associated with their investment in the REIT. Dividends paid by REITs generally are treated as ordinary income and are not entitled tothe reduced tax rates on other types of corporate dividends. Prices of REIT securities and trading volumes may be more volatile that other investments. Many REITs focus on a particular sector of the real estate market, such as apartments, student housing, hotels and hospitality, healthcare, office buildings, shopping malls, warehouses, self-storage facilities and the like. Those REITs are subject to risks associated with sectors in which they are focused. Additionally, many REITs may own properties that are concentrated in a particular geographic region or regions, which subject them to the risk of deteriorating economic conditions in those areas. Investing in REITs involves other special risks, including, but not limited to, real estate portfolio risk (including development, environmental, competition, occupancy and maintenance risk), liquidity risk, leveragerisk, distribution risk, capital markets access risk, growth risk, counterparty risk, conflicts of interest risk, dependence upon key personnel risk, andregulatory risk. Other risks may include: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, interest rate risk, credit risk, foreign issuer and investment risk, and emerging market risk. REITs involvesignificant, special risks and may not be suitable for some clients. Clients investing in REITs should have a high tolerance for risk, including thewillingness and ability to accept significant price volatility and volatility of regular distribution amounts, potential lack of liquidity and potentialloss of their investment.


Business Development Company Risks. A BDC is typically a domestic, closed-end investment company that is operated for the purpose of making equity and debt investments in small and developing businesses, as well as financially troubled businesses. As a result, investments made by BDCs tend to be risky and speculative. Investment advisers or managers for BDCs often receive a management fee plus incentive orperformance-based fee. Because of the existence of a performance-based fee, managers may be motivated to make riskier investments that have thepotential for significant growth in value. BDCs commonly use borrowings or leverage to make investments in portfolio companies. Adverseinterest rate movements can negatively impact a BDC’s ability to make investments. Investments made by BDCs are typically illiquid, and valuing such investments is challenging. It is possible that valuations on investments used are materially different from the values that BDCs willultimately receive upon disposition of those investments. Changing market and economic conditions affecting a BDC’s investments may causesignificant volatility in the BDC’s net asset value and stock price. Due to the nature of BDCs’ investments, securities issued by BDCs are subject to greater liquidity risk than other investments. A debt security or preferred stock issued by a BDC, in many cases, is non-rated or is rated belowinvestment grade, which can carry its own risks. Investing in BDCs involves other special risks, including, but not limited to, portfolio companycredit and investment risk, leverage risk, capital markets access risk, dependence upon key personnel risk, and regulatory risk. Other risks mayinclude: market risk, management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, and interest rate risk. BDCs can be speculative investments because of the types of investments they make and involve significant, special risks. As a result, BDC investments may not be suitable for some clients. Clients investing inBDCs should have a high tolerance for risk, including the willingness and ability to accept significant price volatility, potential lack of liquidity andpotential loss of their investment.


 
Master Limited Partnership Risks. An MLP is a form of publicly-traded partnership that is taxed as a partnership. MLPs have unique taxcharacteristics. A client should consult with a tax advisor before investing in MLPs. An MLP must generally earn at least 90% of its income fromcertain qualifying sources, which includes income and gains from certain activities involving natural resources such as oil, natural gas, natural gasliquids, refined petroleum products, coal, carbon dioxide and biofuels. An MLP is generally structured as a limited partnership or limited liabilitycompany and managed and operated by a general partner or manager. Owners of an MLP are called “limited partners” or “unit holders”. Unit holders own interests or units in the MLP (“units”) that are traded on a stock exchange. MLPs make distributions to unit holders of their availablecash flows. Many MLPs focus on a particular sector or industry. Those MLPs are subject to risks associated with sectors or industries in which theyare focused. The value of an investment in an MLP and the amount of distributions it makes may depend on the prices of the underlying commodity, such as oil or natural gas. Many MLPs are sensitive to changes in the prevailing level of commodity prices. MLPs have also shown sensitivity to interest rate movements. Investing in MLPs involves other special risks, including, but not limited to, macroeconomic risk, interest rate risk, liquidity risk, operating risk, capital markets access risk, growth risk, distribution risk, conflicts of interest risk, and regulatory risk. MLPs are complex investments that have significant, special risks. As a result, MLPs may not be suitable for some clients. Clients investing in MLPs should have a high tolerance for risk, including the willingness and ability to accept potential lack of liquidity and potential loss of their investment.


Risks Associated with Certain Investment Objectives and Asset Allocation Strategies
Each account is subject to the risks associated with the investment objectives and strategies applicable to the account. Below are some of the risks associated with various investment objectives and strategies.



All Growth. An account with an “All Growth” objective or strategy will generally be invested in a manner that seeks to provide growth of capital.Accounts with All Growth strategies have historically experienced high fluctuations in annual returns and overall market value, typically as a result of changes to market and economic conditions. The strategy’s primary risks generally include: market risk, management and securities selectionrisk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk, and capitalization risks. Dependingupon the specific investments, an All Growth account may also be subject to other primary risks, including investment style risks, foreign issuer andinvestment risks, emerging market risks, fixed income security risks, below investment grade (high yield or “junk” bonds) securities risks, and therisks described under the headings “Non-Traditional Assets and Complex Strategies Risks” and “Complex Investment Product Risks” above.


Capital Growth. An account with a “Capital Growth” objective or strategy will generally be invested in a manner that seeks to provide growth ofcapital. Accounts with Capital Growth strategies have historically experienced moderately high fluctuations in annual returns and overall marketvalue, typically as a result of changes to market and economic conditions. The strategy’s investments are subject to a risk of price declines, especially during periods when stock markets in general are declining. A Capital Growth account’s primary risks generally include: market risk,management and securities selection risk, investment objective and asset allocation risk, stock market risk, equity securities risk, common stock risk,and capitalization risks. Depending upon the specific investments, a Capital Growth account may also be subject to other primary risks, includinginvestment style risks, foreign issuer and investment risks, emerging market risks, fixed income securities risk, interest rate risk, credit risk, asset-backed securities risks, below investment grade (high yield or “junk” bonds) securities risks, and the risks described under the headings “Non-Traditional Assets and Complex Strategies Risks” and “Complex Investment Product Risks” above.


Growth with Income. An account with a “Growth with Income” objective or strategy will generally be invested in a manner that seeks to providemoderate growth of capital and some current income. Accounts with Growth with Income strategies have historically experienced moderatefluctuations in annual returns and overall market value, typically as a result of changes to market and economic conditions and interest rates. Thestrategy’s investments are subject to a risk of price declines, especially during periods when stock markets in general are declining or when interestrates are rising. A Growth with Income account’s primary risks generally include: market risk, management and securities selection risk, investmentobjective and asset allocation risk, stock market risk, equity securities risk, common stock risk, fixed income securities risk, interest rate risk, creditrisk, and capitalization risks. Depending upon the specific investments, a Growth with Income account may also be subject to other primary risks, including investment style risks, foreign issuer and investment risks, emerging market risks, asset-backed securities risks, below investment grade (high yield or “junk” bonds) securities risks, and the risks described under the headings “Non-Traditional Assets and Complex Strategies Risks” and “Complex Investment Product Risks” above.


Income with Growth. An account with an “Income with Growth” objective or strategy will generally be invested in a manner that seeks to providecurrent income and some growth of capital. Accounts with Income with Growth strategies have historically experienced moderate fluctuations inannual returns and overall market value, typically as a result of changes to interest rates and market and economic conditions. The strategy’sinvestments are subject to a risk of price declines, especially during periods when interest rates are rising or when stock markets in general are declining. An Income with Growth account’s primary risks generally include: market risk, management and securities selection risk, investmentobjective and asset allocation risk, fixed income securities risk, interest rate risk, credit risk, money market fund risk, stock market risk, equity securities risk, common stock risk, and capitalization risks. Depending upon the specific investments, an Income with Growth account may also be subject to other primary risks, including investment style risks, foreign issuer and investment risks, emerging market risks, asset-backed securities risks, below investment grade (high yield or “junk” bonds) securities risks, and the risks described under the headings “Non-Traditional Assets and Complex Strategies Risks” and “Complex Investment Product Risks” above.


Conservative Income. An account with a “Conservative Income” objective or strategy will generally be invested in a manner that seeks to provide current income. Relative to the objectives or strategies described above, Conservative Income strategies have historically experienced smallerfluctuations in annual returns and overall market value as a result of changes in stock market conditions, but have experienced fluctuations in relation to changes in interest rates and economic conditions. The strategy’s investments are subject to risk of price declines, especially duringperiods when interest rates are rising. A Conservative Income account’s primary risks generally include: market risk, management and securitiesselection risk, investment objective and asset allocation risk, fixed income securities risk, interest rate risk, credit risk, money market fund risk, equity securities risk, and common stock risks. Depending upon the specific investments, a Conservative Income account may also be subject toother primary risks, including investment style risks, foreign issuer and investment risks, asset-backed securities risks, and below investment grade (high yield or “junk” bonds) securities risks.


Capital Preservation. An account with a “Capital Preservation” objective or strategy will generally be invested in a manner that seeks topreserve capital while generating current income. Relative to the objectives or strategies described above, Capital Preservation strategies havehistorically experienced smaller fluctuations in annual returns and overall market value as a result of changes in stock market conditions, but haveexperienced fluctuations in relation to changes in interest rates and economic conditions. The strategy’s investments are subject to risk of price declines, especially during periods when interest rates are rising. A Capital Preservation account’s primary risks generally include: market risk,management and securities selection risk, investment objective and asset allocation risk, fixed income securities risk, interest rate risk, credit risk, and money market fund risk. Depending upon the specific investments, a Capital Preservation account may also be subject to other primary risks, including foreign issuer and investment risks, asset- backed securities risks, and below investment grade (high yield or “junk” bonds) securities risks.


Opportunistic Strategy. An account with an “Opportunistic” strategy will generally be invested in a manner that seeks to provide long term growththrough capital appreciation and/or income by utilizing an active management style that shifts the percentage of assets held in various categories totake advantage of market pricing anomalies, strong market sectors, the current interest rate environment and/or other macro-economic trends toachieve growth while accounting for a client’s specific short, intermediate and long term investment and/or cash flow needs. Depending upon the investment strategy used, some Opportunistic accounts have historically experienced high fluctuations in annual returns and overall market value, typically as a result of changes to market and economic conditions. Depending upon the investment strategy used and the investments made, anOpportunistic account’s investments may be subject to a high risk of price declines, especially during periods when stock markets in general aredeclining. An Opportunistic account’s primary risks generally include: market risk, management and securities selection risk, investment objectiveand asset allocation risk, stock market risk, equity securities risk, common stock risk, and capitalization risks. Depending upon the specificinvestments, an Opportunistic account may also be subject to other primary risks, including investment style risks, foreign issuer and investmentrisks, emerging market risks, fixed income security risks, below investment grade (high yield or “junk” bonds) securities risks, and the risksdescribed under the headings “Non-Traditional Assets and Complex Strategies Risks” and “Complex Investment Product Risks” above.