Penobscot owns and operates this website. Your access and use of this website confirms that you understand and agree to be bound to these Terms and Conditions of Use. This website is intended for the personal, non-commercial use of Penobscot’s clients and prospective clients residing in the United States. These Terms form a binding contract between Penobscot (“we”, “us” or “our”) and you, the user (“you” or “your”).
Penobscot is the copyright owner of the content of this website. Any and all content is protected by applicable copyright law. All content on this site may not be copied, distributed, downloaded, modified, published, licensed, reposted, reused, reproduced or in any other way used without Penobscot’s prior written consent.
Penobscot makes every effort to maintain the accuracy of the content on this website. However, Penobscot does not guarantee that the content of this website is accurate. The content is provided with no express or implied warranty. We do not provide any warranty against infringement, title, merchantability, fitness or computer viruses.
Penobscot reserves the right to change, modify, add or remove portions of these Terms and Conditions of Use at any time. Accordingly, we suggest that you review these Terms and Conditions periodically for changes. Use of this website deems that you have accepted any changed Terms or Conditions.
No Recommendation or Professional Advice
This website is not intended to provide legal, financial, investment or tax related advice. Nothing on this site should be construed as an offer or solicitation to buy or sell any securities or other financial instruments or provide any investment advice or service.
Registration with the U.S. Securities and Exchange Commission or any other regulatory agency does not imply or create an understanding that any advisor or employee of Penobscot is an expert or has any level of skill or training that would distinguish such employee.
Email Record Retention
Penobscot, in compliance with SEC regulations, retains email messages for a period of time. Email correspondence is regularly monitored by Penobscot’s Compliance department.
Penobscot does not make any representation as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any unaffiliated third party linked to this site. All such information is provided solely for convenience purposes, and all users should be guided accordingly. Penobscot will not be responsible for any loss or damage resulting from interception by third parties of any information made available to you via this site.
Limitation of Liability & Indemnification
Under no condition will Penobscot be liable for damages or any direct, indirect, incidental or consequential liability or loss in connection with the use of this website. Penobscot is not liable for any interruption, defect, delay, error, omission, or failure even if Penobscot is advised.
You agree to indemnify and hold harmless Penobscot for any or all claims, loss, liability, costs and expenses arising from your use of this website or from your deliberate or accidental violation of the Terms governing use of this site.
These Terms will be governed by the Commonwealth of Massachusetts without regard to any conflict of law principles, regardless of whether you reside in Massachusetts or transact business with Penobscot in Massachusetts or elsewhere. If you take legal action relating to these Terms, you agree to file such act in a court located in Massachusetts.