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Disclosures

Terms of Use

The terms that govern your use of this website.

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Acceptance of these terms

By accessing or using this website you agree to these Terms of Use. If you do not agree, please do not use the site. We may revise these terms from time to time, and the version posted here is the version that applies.

These terms govern this website only. They do not govern any brokerage or advisory relationship. Those relationships are governed by separate written agreements and by the disclosure documents linked from our Disclosures page. Where these terms and a client agreement differ, the client agreement controls.

Permitted use

You may view, download, and print pages from this site for your own personal, non-commercial reference. You agree not to:

  • use the site for any unlawful purpose, or in violation of any applicable law or regulation;
  • copy, reproduce, republish, distribute, or create derivative works from the site's content for commercial purposes without our prior written permission;
  • attempt to gain unauthorized access to the site, its servers, or any connected system;
  • interfere with or disrupt the site, including through scraping, automated data collection, denial-of-service activity, or the introduction of malicious code;
  • remove, obscure, or alter any copyright, trademark, or other proprietary notice; or
  • frame or mirror any part of the site without our prior written permission.

Intellectual property

The content of this website, including its text, graphics, photography, video, page design, and the arrangement of that material, is owned by or licensed to Monarch Capital Advisors, LLC and is protected by copyright and other intellectual property laws. The Monarch Capital Advisors name and logo are marks of Monarch Capital Advisors, LLC.

Other names, marks, and logos appearing on this site, including those of Arkadios, FINRA, and SIPC, are the property of their respective owners and are used for identification only. Nothing on this site grants any licence or right to use any mark without the owner's permission.

No advice, no offer

The content of this website is provided for general informational purposes only. It is not investment, legal, tax, or accounting advice, it is not a recommendation to adopt any investment strategy, and it is not an offer or solicitation to buy or sell any security. Investing involves risk, including the possible loss of principal. See our Disclosures page for the full disclosure set.

Disclaimer of warranties

This website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We work to keep the information on this site accurate and current, but we do not warrant that it is complete, accurate, or up to date, that the site will be uninterrupted or error-free, that defects will be corrected, or that the site or the servers that make it available are free of harmful components.

Third-party sites

This site links to websites operated by third parties. We do not control those sites and are not responsible for their content, accuracy, availability, security, or privacy practices. A link is not an endorsement. See Links to third-party sites.

Limitation of liability

To the fullest extent permitted by law, neither Monarch Capital Advisors, LLC nor its members, officers, employees, or agents will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your access to or use of, or inability to use, this website, whether based in contract, tort, negligence, strict liability, or any other theory, and whether or not we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. Nothing in these terms limits any liability that cannot be limited under applicable law, and nothing in these terms is intended to waive any right you may have under federal or state securities laws.

Indemnification

You agree to indemnify and hold harmless Monarch Capital Advisors, LLC and its members, officers, employees, and agents from any claim or demand, including reasonable legal fees, arising out of your breach of these terms or your misuse of this website.

Governing law

These Terms of Use are governed by the laws of the State of Georgia, without regard to its conflict of laws principles. You agree that the state and federal courts located in Georgia will have exclusive jurisdiction over any dispute arising out of or relating to these terms or this website, and you consent to the personal jurisdiction of those courts. Nothing in this paragraph affects any dispute resolution provision, including any arbitration provision, in a separate client agreement, which continues to govern disputes within its scope.

Severability and entire agreement

If any provision of these terms is held to be unenforceable, that provision will be limited or removed to the minimum extent necessary and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of it. These terms, together with our Privacy Policy and Disclosures, are the entire agreement between you and us regarding this website.

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