TERMS OF USE

Please read these Terms of Use (“Terms”) carefully before using the https://www.heritagefinancial.net website (“Website”) operated by Heritage Financial Services, LLC (“us”, “we”, or “our”). Your access to and use of the Website is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Website. We may, at any time, modify, change or add to these Terms, and any modifications will be effective immediately upon posting on the Website. By accessing or using the Website you agree to be bound by these Terms. If you disagree with any part of the Terms then you do not have permission to access the Website.

DISCLAIMER

Our Website is not directed to children under the age of 18 years. By using our website, you represent and warrant that you are at least 18 years old. The content of the Website is intended solely to provide general information regarding our business services and should not be construed as personalized investment advice. The information provided on the Website does not constitute, and is not intended as, an offer to buy or sell, any security, product, service and is not intended to be relied upon as investment advice. No portion of the Website should be interpreted as legal or accounting advice.

MARKET COMMENTARIES/BLOGS

Market Commentaries and Blogs are written solely for informational purposes and are not an offer to buy or sell, any security, product, service or investment or be relied upon as investment advice. Due to various factors, including changing market conditions, the opinions expressed within commentaries and blogs were written based upon market conditions at the time they were written and may no longer reflect current market conditions, as a result, they are subject to change without notice. Heritage customizes client portfolios based on individual financial situations, therefore, various components of commentaries and blogs may not be relevant to each client’s personal portfolio due to, without limitation, portfolio legacy securities, portfolio size, tax considerations, investment accreditation and personal preferences. Past performance is not indicative of future results.

LINKS TO OTHER WEBSITES

Our Website may contain links to third party web sites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that Heritage Financial Services, LLC 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 third party 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 that you visit.

OWNERSHIP OF THE WEBSITE

The Website and all of its contents, including, but not limited to, text, graphics, logos and images are owned by Heritage Financial Services, LLC or its third-party information providers and are protected by the United States and international intellectual property laws.