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Heffler Radetich & Saitta Financial Services, LLC ("HRSFS") hereby authorizes you to view, copy, print and distribute the information on this site ("The Site") subject to the understanding the site will be used by you for informational non-commercial purposes only.

Note that any program, publication, design, product, process, software, technology, information, know-how, or idea described in this Site may be the subject of other rights, including other intellectual property rights, which are owned by HRSFS or one of its affiliates are not licensed to you hereunder.

This Site is intended to provide general information on a particular subject or subjects and is not an exhaustive treatment of any such subject(s). Accordingly, the information on the Site is not intended to constitute accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action that might affect your legal rights or personal finances or business, you should consult a qualified professional advisor.

This Site is provided "as is", and HRSFS makes no express or implied representations or warranties regarding this Site or the information contained on it, and does not warrant that the Site or information will be error-free or will meet any particular criteria of performance or quality. HRSFS expressly disclaims all implied warranties, including, without limitation, warranties of merchantability, title, fitness for a particular purpose, noninfringement, compatibility, security, and accuracy.

Your use of this Site is at your own risk. You assume full responsibility and risk of loss resulting from the use of this Site. Neither HRSFS nor or any of its affiliates, or any partners, principals, agents or employees, thereof will be liable for any special, indirect, incidental, consequential, or punitive damages or any other damages whatsoever, whether in action of contract, statute, tort (including, without limitation, negligence), or otherwise, relating to the use of this Site or the information thereon, in any jurisdiction. If any of the foregoing is not fully enforceable for any reason, the remainder shall nonetheless continue to apply. Your use of this Site is an express waiver of any claim you may have against HRSFS for your use of this Site, presently or in the future, in any jurisdiction.

Certain links in the HRSFS WebServer lead to resources maintained by third parties over whom HRSFS has no control. HRSFS makes no representations or warranties as to the accuracy of, or any other aspect relating to, those resources.

HRSFS is a privacy conscious organization. If you as a visitor choose to register or submit information to this web site, you agree to the use of such data in accordance with this privacy statement. Please note that this site contains links to other sites, which may not be governed by this privacy statement.

As a visitor, you do not have to submit any personal information in order to use the Site. The Site collects only personally identifiable information that is specifically and voluntarily provided by visitors. Such information may consist of, but is not limited to name, current job title, company address, email address and telephone and fax numbers.

We do not usually seek sensitive information (e.g., data relating to race or ethnic origin, religious beliefs, criminal record, physical or mental health, or sexual orientation) from visitors. We will, where necessary, obtain visitors' explicit consent to collect and use such information.

To ensure that our Web site is well managed and to facilitate improved navigation within the Site, we or our service provider(s) may use cookies (small text files stored in a user's browser) or Web beacons (electronic images that allow the Web site to count visitors who have accessed a particular page and to access certain cookies) to collect aggregate data. We may use such devices to track information on our systems and identify categories of visitors by items such as IP address, domain, browser type and pages visited. This information is reported to our Webmasters who use the information to analyze the number of visitors to different areas of the Site and to make sure that the Site is serving as a useful, effective information source.

Neither our cookies nor Web beacons collect any personal information such as your name or email address. Further, most browsers permit individuals to decline cookies. However, under specific circumstances, visitors may be denied access to some parts of the Site if their browsers are set to decline cookies.

Although we may provide visitors' information to service providers that handle information on our behalf, we will usually not share the information with third parties or other HRSFS affiliates for secondary or unrelated purposes unless otherwise disclosed at the point of collection.

We have in place reasonable commercial standards of technology and operational security to protect all information provided by visitors from loss, misuse, alteration or destruction.

HRSFS reserves the right to modify or amend this privacy statement at any time and for any reason. Nothing contained herein creates or is intended to create a contract or agreement between HRSFS and any other user visiting the Web site or providing identifying information of any kind.

Our Client Commitment

In pursuit of our mission to provide financial direction to our clients, HR&S Financial Services is committed to building a relationship with each client based on integrity, trust and constant communication. Our professional team will constantly monitor changes in the economy, carriers, products, tax laws and security regulations affecting our four areas of service that include employee benefits, insurance services, investment services and planning services.

We are poised to work closely with your attorney and/or accountant when professional collaboration is required to create a comprehensive financial, college, estate or retirement plan. We feel strongly that it is our goal to provide every client with prompt, courteous and reliable service. HR&S Financial Services is prepared to work hard and excel beyond our peers to earn your confidence and trust.