Disclosures and Terms of Service
Legal Disclosures: Mansour Wealth Management is affiliated with McDonald Partners, LLC, a registered investment adviser with the United States Securities and Exchange Commission (“SEC”). Any reference to or use of the terms “registered investment adviser” or “registered,” does not imply that McDonald Partners or any person associated with McDonald Partners or Mansour Wealth Management has achieved a certain level of skill or training. We may only transact business or render personalized investment advice in those states and international jurisdictions where we are registered, notice filed, or where we qualify for an exemption or exclusion from registration requirements. The purpose of this Website is to provide general information on our products and services only and should not be construed as a solicitation to effect, or attempt to effect, either transactions in securities or the rendering of personalized investment advice over the Internet. Any communications with prospective clients residing in states or international jurisdictions where McDonald Partners and its advisory affiliates are not registered or licensed shall be limited so as not to trigger registration or licensing requirements.
Terms of Service: PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEBSITE.
BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY MANSOUR WEALTH MANAGEMENT FROM TIME-TO-TIME AND POSTED ON THIS WEBSITE.
No Warranties. Although Mansour Wealth Management attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the “Contents”) on the Website, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE WEBSITE AND ITS CONTENTS ARE PROVIDED ON AN “AS IS” BASIS. USE OF THE WEBSITE AND ITS CONTENTS IS AT THE USER’S SOLE RISK. THE WEBSITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW.
Limitation of Liability: IN NO EVENT WILL MANSOUR WEALTH MANAGEMENT, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY’S USE OF THE WEBSITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEBSITE OR ANY WEBSITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEBSITE OR ANY OTHER WEBSITE, EVEN IF MANSOUR WEALTH MANAGMENT IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES..
Third Party Links, Products and Services Disclaimer: We provide links to the sites of certain other businesses. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any of these businesses or individuals or the content of their Websites. Mansour Wealth Management does not assume any responsibility or liability for the actions, product, and content of all these and any other third parties. You should carefully review their privacy statements and other conditions of use. You will use these links at your own risk.
Copyrights and Trademarks: All content included on this Website, such as text, graphics, logos, button icons, images, photos, data compilations, and software, is the property of Mansour Wealth Management or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this Website is the exclusive property of Mansour Wealth Management and protected by U.S. and international copyright laws. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, incorporate into another website, or in any other way exploit any of the content, in whole or in part without the specific permission of Mansour Wealth Management. All software used on this Website is the property of Mansour Wealth Management or its software suppliers and is protected by United States and international copyright laws.
Graphics, logos, page headers, button icons, scripts, and service names are trademarks, registered trademarks or trade dress of Mansour Wealth Management in the U.S. and/or other countries. These trademarks and trade dress may not be used in connection with any product or service in any manner that is likely to cause confusion among customers or in any manner that disparages or discredits Mansour Wealth Management. All other trademarks not owned that appear on this Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Mansour Wealth Management.
Transmissions to and from this Website: Except where expressly indicated otherwise, transmissions to and from this Website or directed to Mansour Wealth Management including E-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit. Please do not use E-mail to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please contact us at through the form on the Contact Us page of our Website. Any transmission to this Website, including E-mails shall be deemed and remain the property of Mansour Wealth Management. Mansour Wealth Management shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a Website user through this Website.
License and Site Access: Mansour Wealth Management grants you a limited license to access and make personal use of this Website and not to download or modify anything, or any portion of it, except with express written consent. This license does not include any resale or commercial use of this Website or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this Website or its contents; any downloading or copying of account information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This Website or any portion of this Website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Mansour Wealth Management. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Mansour Wealth Management express written consent. You may not use any meta tags or any other “hidden text” utilizing Mansour Wealth Management’s name or trademarks without the express written consent. Any unauthorized use terminates the permission or license granted by Mansour Wealth Management. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Mansour Wealth Management so long as the link does not portray Mansour Wealth Management or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Mansour Wealth Management logo or other proprietary graphic or trademark as part of the link without express written permission.
Intended Audience. The information provided on this Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Mansour Wealth Management or its affiliates to any registration requirement within such jurisdiction or country. Mansour Wealth Management does not claim that the products or services in this Website are available in any particular jurisdiction or appropriate for any particular investor. If you choose to access this Website from a location other than the United States, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.
No Offer or Advice: This Website does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced on or through this Website. Nor does this Website constitute an offering or recommendation by Mansour Wealth Management of any security, investment management service, or advisory service. Mansour Wealth Management does not provide investment advice, tax advice, or legal advice through this Website, and you agree that this Website will not be used by you for such purposes. Mansour Wealth Management does not represent that the securities, products, or services discussed on, or accessible through, this Website are suitable for any particular investor. You acknowledge that your requests for information are unsolicited, and the provision of any information through this Website shall not constitute or be considered investment advice, or an offer to sell, or a solicitation of an offer to buy any security.
Termination of Right to Use Website: Mansour Wealth Management s reserves the right to terminate your right to use this Website if you violate any of these Terms of Service. Upon termination of your right to use the Website, Mansour Wealth Management will remove your account privileges. Mansour Wealth Management will have no obligation to return to you your submitted data. The disclaimers and limitations of liabilities set forth in these Terms of Service shall survive any such termination. Your sole recourse and remedy if Mansour Wealth management terminates your right to use this Website, is to receive a refund for any products paid for but not processed or fulfilled by Mansour Wealth Management if any.
Exclusions and Limitations: Some Jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for incidental or consequential damages. Accordingly, some of the limitation may not apply to you.
Governing Law/Jurisdiction: These Terms of Service will be governed by and construed in accordance with the laws of the State of Ohio, without giving effect to any principles of conflicts of laws. Any action seeking legal or equitable relief arising out of or relating to this Website or Terms of Service, sole jurisdiction shall reside with the appropriate State or Federal Court located in Cleveland, Ohio. A printed version of these Terms of Service will be admissible in judicial and administrative proceedings based upon or relating to these Terms of Service to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
If any provision of the Terms of Service shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from the Terms of Service and shall not affect the validity and enforceability of any remaining provisions. Mansour Wealth Management makes no representation that the Terms of Service comply with the laws of any other country. Visitors who use the Website and/or services and reside outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable. By virtue of your use of the Website, you agree not to transfer, by electronic transmission or otherwise, any materials derived from the Website and/or services in violation of any laws.
Waiver. No waiver by Mansour Wealth Management of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.
Designations
The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP Board”).
The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.
To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements:
- Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;
- Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;
- Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and
- Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP®Professionals.
Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks:
- Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and
- Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP®Professionals must provide financial planning services in the best interests of their clients.
CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.
ACCREDITED INVESTMENT FIDUCIARY (AIF®)
The AIF® designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process. To receive the AIF® designation, individuals must complete a training program, successfully pass a comprehensive, closed-book final examination under the supervision of a proctor and agree to abide by the AIF ® Code of Ethics. In order to maintain the AIF® designation, the individual must annually renew their affirmation of the AIF® Code of Ethics and complete six hours of continuing education credits. The certification is administered by the Center for Fiduciary Studies, LLC (a Fiduciary360 (fi360) company).
CERTIFIED PRIVATE WEALTH ADVISOR® (CPWA)
The CPWA certification is administered by Investment Management Consultants Association. The CPWA® designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on private wealth management topics and strategies for high-net-worth clients. Prerequisites for the CPWA® designation are: a Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, CIMC®, CFA®, CFP®, ChFC® or CPA license; acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements; five years of professional client-centered experience in financial services or a related industry; and two letters of reference from an IMCA member, professional supervisor, or currently licensed professional in financial services or a related industry. CPWA® designees have completed a rigorous educational process that includes self-study requirements, an in-class education component, and successful completion of a comprehensive examination. CPWA® designees are required to adhere to IMCA’s Code of Professional Responsibility and Rules and Guidelines for Use of the Marks. CPWA® designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through Investment Management Consultants Association (IMCA).
CIMA® – CERTIFIED INVESTMENT MANAGEMENT ANALYST
The CIMA certification signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application.
Prerequisites for the CIMA certification are three (3) years of financial services experience and an acceptable regulatory history. To obtain the CIMA certification, candidates must pass on online Qualification Examination, successfully complete a one-week classroom education program provided by a Registered Education Provider an AACSB-accredited university business school, and pass an online Certification Examination. CIMA designees are required to adhere to IMCA’s Code of 28 Dividend Assets Capital, LLC
Professional Responsibility, Standards of Practice, and Rule and Guidelines for Use of the Marks. CIMA designees must report 40 hours of continuing education credits, including two (2) ethics hours, every two (2) years to maintain certification. The designation is administered through Investment Management Consultants Association (IMCA®). For more information, visit www.imca.org.
Series 7 (General Securities Representative) – 250 multiple choice questions – administered in two parts of 125 questions each; 3 hours testing time for each part. This registration qualifies a candidate for the solicitation, purchase, and/or sale of all securities products, including corporate securities, municipal securities, municipal fund securities, options, direct participation programs, investment company products, and variable contracts.
Series 8 (General Securities Sales Supervisor – Options Module & General Module) – Series 8 was replaced by Series 9 and 10 effective 8/16/1999. 200 multiple choice questions. The testing time is 1 hour and 30 minutes for the Series 9, which contains 55 options questions and 4 hours for the Series 10, which has 145 questions covering FINRA, NYSE, Municipal Securities Rule Board, and Securities and Exchange Commission rules. This registration is appropriate for individuals required to register as principals to supervise sales activities in corporate, municipal, and options securities, investment company products, variable contracts, and direct participation programs. Branch office managers and regional or national sales managers may register in this capacity.
The Series 31 is an exam and securities license entitling the holder to sell managed futures funds or supervise those activities. It also certifies individuals who want to receive trailing commissions on commodity limited partnerships, managed accounts or commodity pools as advised by Commodity Trading Advisors (CTA).
The Series 31 Exam is a National Futures Association (NFA) exam administered by the Financial Industry Regulatory Authority (FINRA). Also known as the Futures Managed Funds Examination, it covers topics such as rules, regulations and responsibilities with respect to the futures industry.
Series 63 – (Uniform Securities Agent) – Required by each state and authorizes licensees to transact business within the state. All Series 6 and Series 7 licensees must carry this license as well. The provisions of the Uniform Securities Act are tested on the 75-minute exam.
Series 65 – The Series 65 license is required by anyone intending to provide any kind of financial advice or service on a non-commission basis. The exam for this license is a 180-minute exam. The exam covers the rules and regulations pertaining to registered investment advisors and also various investment vehicles and disciplines, economics, ethics and analysis.