Terms and Conditions

This page (together with the documents referred to hereon) sets forth the terms of use on which you may make use of our website, kpm-financial.com (“our site”). Please read these terms of use carefully before you start to use our site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.

Accessing Our Site

Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice. We will not be liable if for any reason our site is unavailable at any time or for any period. From time to time we may restrict access to some parts of our site, or our entire site.

If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.

Information Collected

The Company may collect information about you and your use of this site (including, but not limited to, your name, email address, street address, telephone number and place of employment). You consent to the Company’s use of this information for any lawful purpose, subject to the Privacy Policy posted on this site.

Intellectual Property Rights

The content of this site is the property of the Company, and all right, title and interest in all content belongs solely to the Company. You may print off one copy, and may download extracts, of any page(s) from our site for your personal reference and you may draw the attention of others within your organization to material posted on our site. You are permitted to store, display, analyze, modify, reformat and print the information made available to you via these services only for your own use. You are not permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format, to any third party without our express written consent. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with such information.

These terms of use are not intended to, and will not, transfer or grant any rights in or to the information other than those that are specifically described herein, and all rights not expressly granted herein are reserved by the Company or the third party providers from whom the Company has obtained the information. You are required to read and abide by any additional terms of use that may be provided on this site from time to time concerning information obtained from third party providers. Such third party providers shall have no liability to you for monetary damages on account of the information provided to you via this website.

If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Other Services on Our Site

Your use of certain services provided on or through our site is governed by specific terms and conditions which are available on the relevant page of our site for each such service.

Viruses, Hacking and Other Offenses

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. In the event of any breach of this provision, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

Indemnification and Hold Harmless

You understand and expressly agree that all access to and use of this site is at your sole risk.

Commentary and other materials posted on our site are not intended to be advice on which reliance should be placed. While every effort is taken to ensure the accuracy of such materials (including the data appearing on our site), we cannot be held responsible for any errors or inaccuracies in, or any use of, any such materials. You agree that any reliance placed on such materials is at your sole risk.

This site may from time to time be linked to other websites. The Company is not responsible for any content contained on any site that it does not maintain. By clicking on any link contained in our website, you assume all risk and liability connected with the use of such outside websites, and you indemnify the Company against any damage or loss arising from such use.

You will indemnify and hold harmless the Company from and against all harm, liabilities, injuries, losses, damages, costs and expenses incurred by the Company (including, but not limited to, fees and disbursements of counsel to the Company) in connection with your access to or use of this site or any content, except to the extent such harm, liabilities, injuries, losses, damages, costs or expenses are due solely to the gross negligence or intentional misconduct of the Company.

You agree that you shall not take any action against the Company or any of its affiliates, officers, directors, employees, third party content providers, licensors, agents, representatives or strategic partners in connection with any matter relating to or arising out of your access to or use of this site.

By using this site, you acknowledge and agree that the site and all content are provided on an “as is, where at” basis, without any warranty or representation of any kind, either express or implied, with respect to this site, any content, or any products or services offered through this site, including, but not limited to, any warranty that this site will be operable, uninterrupted, virus free or error free, any warranty of privacy, any warranty of dependability, accuracy, timeliness, authenticity, completeness or reliability, or any warranty of merchantability or fitness for a particular purpose. (See also our “Privacy Policy” and “Legal Disclaimer”.)


We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.