Terms of Service

Please read these Terms of Service ("Terms", "Terms of Service") carefully.This information applies to any and all services described on PFMElite.com ("Service"), which is owned and operated by PFM Management Services, Inc. ("Us", "We" or "Our"). 

Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service. 

Terms of Use

The content of this website is intended for informational use only and should not be construed as advice or as an offer to give advice. Likewise, this site is not an offer or recommendation of any service. We expressly recommend you seek advice from a professional.

Links To Other Web Sites

Our Service may contain links to third-party web sites or services not owned or controlled by us. We have no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services you visit.

Hours of Operation

• We are open Monday – Thursday from 9:00 AM to 4:00 PM CST.
• We are closed for all government observed holidays.

Disclosure Statement

Any opinions expressed in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. Any economic forecasts set forth may not develop as predicted and there can be no guarantee the strategies promoted will be successful. Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. International and emerging market investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

These Terms shall be governed and construed in accordance with the laws of Tennessee, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.

Ownership Rights of Content

All information listed on or linked to the sites is the sole property of Us and is not to be shared, redistributed, or resold in any way at any time without the express permission of the owner.

Contact

If you have questions or comments regarding these policies, please email us at info@pfmelite.com.

Privacy Policy

Please read this Privacy Policy ("Policy") carefully.This information applies to any and all services described on PFMElite.com, owned and operated by PFM Management Services, Inc. ("Us", "We" or "Our"). It  explains our views and practices concerning privacy, and how they may pertain to you as a user of our websites.

All information transmitted, printed or otherwise submitted to Us via website shall be deemed to be the property of Us and we shall be free to use such information for any lawful purposes. These sites contain links to other sites and we are not responsible for the privacy practices or the content of such sites.

Collected Information

We automatically collect and/or track the following:

• Web page headers (home server domain names, IP address, type of client computer, and type of Web browser)
• Information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information
• Information, user specific or aggregate, on what pages our visitors access
• E-mail addresses of visitors communicating with Us via e-mail.

Cookies

Cookies are small files stored on your device (computer or mobile device). We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our Service.

• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.

• Security Cookies. We use Security Cookies for security purposes.

Use of Data Collected

We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future communications regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner even if your number is found on a do not call registry, in-house list or similar registry.

Disclosure of Data to Third Parties

If you choose to provide personal information, it will be used for the following purposes:

• Considering you for Our service,
• As required by law,
• For marketing services which we determine, in our sole judgment, that you might find of interest.

We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be pre-screened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.

Your Opt-Out Rights

You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our marketing lists. If you remove your information from our marketing lists it will no longer be used by us to send promotional correspondence to you. You can remove your information from our marketing lists by clicking on the Unsubscribe link at the bottom of the emails we send you, or by sending your request, in writing, via email to: info@pfmelite.com.

We Do Not Intend to Collect Data from Children

The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever. No part of our sites is structured to attract anyone under the age of 18.

Our Right to Contact You

We reserve the right to contact you regarding agreements, privacy policy, or any other policies or agreements relevant to you.

Our Right to Change

We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our sites.

Anti-Spam Policy. Can-Spam Act Compliance

We are dedicated to ensuring compliance with the Can-Spam Act, which took effect January 1, 2004. You may receive email from our sites in the following circumstances:

• Acknowledging your request for information has been received
• Requests for additional information
• Response to your inquiries
• Thanking you for your requests
• Advertisements for services available through affiliated firms
• Advertisements for third party products and services where we have determined that such product or service may be of interest to you

To ensure compliance with the Can-Spam Act, We have implemented the following guidelines for email delivery:

• All emails sent to you by Us will clearly identify Us as the sender.
• The Subject Line of any email you receive will always accurately describe the subject matter of the email.
• Any email from Us will include the ability to unsubscribe from future email messages.
• Unsubscribing will ensure the customer is removed from our sites automated-email list.
• All emails sent to you directly by Us include valid postal address information in the footer.
• All third party marketing partners are required to comply with the Can-Spam Act.
• Emails sent to you directly by Us will include an email address and physical address where you can send suggestions, complaints or other correspondence.

Summary

We understand consumers’ concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. From time to time, we will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things,

• The data was collected voluntarily from individuals on website registrations and co-registrations.
• The sellers have a right, under any applicable privacy statements, to transfer the data to us.
• We have the right to send marketing offers to individuals.

Contact Information

We hope this information satisfies any questions or concerns you may have regarding our email practices. If you have additional questions or wish to discuss this matter further, please contact us at info@pfmelite.com.

PFM Management Services, Inc.

2020 Fieldstone Parkway

Suite 900-541

Franklin, TN 37069

(615) 297-1660