Privacy Statement

Last Modified: January 1, 2022

Your privacy is important to HUMANITAS. Our goal is to treat the personal information you furnish to HUMANITAS with the utmost respect and in accordance with this Privacy Policy. We request that you carefully read this Privacy Policy and our Terms of Use before using the HUMANITAS website. Please note that by visiting, viewing or using the HUMANITAS website in any manner whatsoever you are agreeing to the terms set forth in this Privacy Policy, as well as the Terms of Use for the HUMANITAS website.

1. Anonymous Browsing.

You can visit the HUMANITAS website on the internet without telling HUMANITAS who you are or revealing any information about yourself including, but not limited to, your e-mail address. In this case, our web servers merely collect the name of the domain you used to access the Internet and the website you came from and subsequently visited after the HUMANITAS website. This information may be used by HUMANITAS, and/or our business partners, to measure general information such as the number of visits, average time spent, page views, and other statistics about visitors to the HUMANITAS website. HUMANITAS may also use this data to monitor its website performance and to make the website easier and more convenient to use.

2. Personal information collection.

There are times when HUMANITAS may ask you for information about yourself to assist us in meeting your various needs, including, without limitation:

• Providing you with requested products or services;
• Servicing your account;
• Improving our services; and
• Developing and/or informing you of additional products or services that may be of interest.

In these cases, your browsing on the HUMANITAS website will no longer be anonymous. To provide the aforementioned services, HUMANITAS may need to ask you to provide, among other things, personal information such as your name, social security number, physical address, zip code, e-mail address and/or phone number. Please note that HUMANITAS does not knowingly solicit information from children and does not knowingly market our products or services to children.

3. Cookies.

If you are browsing on the HUMANITAS website, or otherwise on the Internet, a cookie is used to help generally measure the number of visits, average time spent, page views and other statistics relating to a website. Said cookie by itself does not reveal to HUMANITAS your e-mail address or any other personal information. However, if you decide to register with HUMANITAS online we may collect additional information to provide offerings or content tailored to your individual needs.

In this case, HUMANITAS uses cookies to recognize you on subsequent visits to the HUMANITAS website and make your online experience on HUMANITAS's website more convenient. Cookies are small pieces of data stored by your internet browser on your computer's hard drive. Cookies cannot be used to collect data from your hard drive, obtain your e-mail address or other personal-identifying information about you. Please note that you may set your internet browser to notify you when you receive a cookie or to prevent sending cookies. However, by not accepting cookies, you may limit the functionality of the HUMANITAS website.

4. Sharing information and consumer choice.

When you provide information to HUMANITAS we may share your information with our affiliated companies and third-parties for the purpose of fulfilling your requests as well as offering other services that may be of interest to you. However, notwithstanding, the sharing of additional information to any third-party shall not occur unless permitted by you or required by law. HUMANITAS may also aggregate statistics that we gather about our customers, sales, traffic patterns, and services and provide these statistics to third-parties; however, when we do, these statistics will not include any personal information that identifies you or other individuals visiting the HUMANITAS website.

5. Information security and protection.

HUMANITAS takes reasonable technical and organizational precautions to prevent the loss, misuse or alteration or your personal information.

HUMANITAS uses encryption and authentication tools to protect your personal information and, therefore, information you provide to HUMANITAS through our website is secure. HUMANITAS employees with access to your information are instructed to be use said information only in adherence with the principles set forth in this Privacy Policy and the laws applicable to each specific business and HUMANITAS employees who misuse customer information are subject to disciplinary action.

6. HUMANITAS Contact information.

You may access your data collected by HUMANITAS by sending a written request to the address listed below. If you believe that an error has been made in the accuracy of your data collected, HUMANITAS will correct such error upon adequate verification of the error and the identity of the person seeking the correction. If you wish to access, remove or correct any personal identifying information or data you supplied to HUMANITAS, or if you have any questions about this Privacy Policy, you may contact us by email at clientservices@humanitasadvisors.com or by sending a letter via the U.S. Mail to: Humanitas LLC 400 Corporate Pointe Suite 300, CA 90230-7620. Please note that in order to protect your privacy and security, HUMANITAS may need to take reasonable steps to verify your identity before responding to any requests noted herein or otherwise.

7. Changes to this Privacy Policy.

HUMANITAS reserves the right to modify or supplement this Privacy Policy statement at any time, without notice and for any reason whatsoever. If HUMANITAS, however, makes any material change to this Privacy Policy statement, we will update our website to include said changes. For this reason, we encourage you to review the Privacy Policy whenever you use HUMANITAS's website and the last date this Privacy Policy was modified is set forth above.

Terms of Use

Last Modified: January 1, 2022

1. Website Content.

Applicable copyright laws protect the contents of the Humanitas website. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information found on this website. Please read this agreement carefully before accessing or using this site. By accessing the website, you agree to be bound by the terms and conditions contained herein. If you do not want to be bound by these terms and conditions, you should not access or use the website. Humanitas may at any time revise these terms and conditions without notice. Accordingly, you agree to review the agreement periodically, and your continued access or use of this site shall be deemed your acceptance of the modified agreement.

2. Limitation of Liability.

You use the website at your own risk. All information and content available on or accessible from the Humanitas website are provided "as is", without warranty of any kind, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Humanitas makes no representations or warranties about the accuracy or completeness of the information contained on this website. Humanitas does not guarantee or warrant that functions will be uninterrupted or error- free, that any information, software or other material available on or accessible through the website are free of viruses, worms, Trojan Horses, or other code that has contaminating or destructive properties. If your use of this website or the materials therein results in the need for servicing or replacing property, equipment, or data, Humanitas is not responsible for those costs. Humanitas assumes no responsibility for any consequence relating directly or indirectly to any action or inaction that you or anyone else takes based on the information, services, or other material from this site.

The material on the Site is provided for informational purposes only. It does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice directly from a competent, independent professional in your jurisdiction.

THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT HUMANITAS) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

3. Links to Other Websites.

Links to other websites are offered as a matter of convenience and in no way meant to imply that Humanitas endorses, approves, sponsors, promotes or is affiliated with the owners of or participants in those sites or any material contained therein.

4. Ownership of Materials & Restrictions on Use.

Applicable copyright laws protect the contents of Humanitas' website. No permission is granted to modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on this website.

5. Jurisdictional Issues.

The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all states.

All insurance and/or securities transactions are conducted based on signed written agreements between our licensed and/or registered agents and our customers, and the terms of those agreements are binding on the parties.

No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.

Your use of this Site, and its Privacy Policy, Terms of Use & Legal Information shall be construed and controlled by the laws of the State of California. Further, any dispute arising from your use of this Site, or its Privacy Policy, Terms of Use & Legal Information, or a breach thereof, shall be governed by the laws of the State of California. By accessing this Site, you agree to personal jurisdiction by the state and federal courts sitting in the State of California, County of Los Angeles.