Terms
Legal Disclaimer
The following terms and conditions apply to the use of this website (the “Site”) operated by Hegemark LLC. 

Terms and Conditions
Please read these Terms and Conditions carefully before using this Site. By using this Site, you confirm your agreement to these Terms and Conditions and our Privacy Policy. Every time you visit the Site you reaffirm your acceptance. Use of the Site on behalf of any entity shall be deemed acceptance on behalf of that entity. Hegemark LLC may update these terms at any time and revisions are binding. If you do not agree, you may not access or use the Site.

General Information Only 
This Site provides general information about Hegemark LLC's services. We do not warrant completeness, reliability or accuracy of such information. Some information may not apply to particular situations. Independent advice should be sought prior to any investment decision. Information on this Site does not constitute investment, legal or tax advice and should not be relied upon as such.  

No Offer of Securities
Except as expressly posted in password protected investor pages, nothing on this Site constitutes an offer to buy or sell any securities or financial instruments.

Investment Risk 
Past performance does not guarantee future results. Loss is possible with any investment. Risks include uninsured losses, interest rate changes, market shifts, zoning/financing changes, litigation impacts, personnel changes, valuation subjectivity, political/regulatory shifts and other uncertainties. Forward looking statements reflect current assumptions not guaranteed future performance. Users assume full responsibility for utilizing Site content and should consult advisors before making decisions.

No Warranties
THE SITE AND CONTENT ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. HEGEMARK LLC DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WHILE EFFORTS ARE MADE TO MINIMIZE ERRORS, NO WARRANTY IS PROVIDED REGARDING ACCURACY OR FREEDOM FROM DEFECTS. SOME JURISDICTIONS LIMIT WARRANTY EXCLUSIONS SO PORTIONS MAY NOT APPLY.

Indemnification 
In exchange for Site access, you agree to defend, indemnify and hold harmless Hegemark LLC including affiliates, service providers and respective officers, directors, contractors and agents from any claims or damages including legal fees arising from your breach of these Terms or your use of the Site beyond authorized access.  

Restrictions on Use
You may download Site content for personal non-commercial use provided copyright and proprietary notices are retained. Public distribution or commercial use requires prior written permission.  

Intellectual Property Rights
The Site, content and related trademarks/logos are Hegemark LLC proprietary property. Trademark usage requires prior written consent. Nothing herein grants any license or other rights without permission.

Prohibited Uses 
The Site is for lawful purposes consistent with these Terms. It may not be used illegally or to restrict use by others. Users may not expose themselves or Hegemark LLC to undue risk or liability.

Global Access
Hegemark LLC is based in California, USA. This Site targets US audiences. Those outside the US access the Site at their own responsibility and must comply with local laws.  

Third Party Links
Third party links are provided as a convenience without liability. Users access such links at their own risk.

Governing Law 
These Terms are governed by California state law. Legal disputes will be handled by Orange County California state or federal courts. Use of the Site constitutes consent to jurisdiction and venue of these courts.

Privacy Policy
Our Privacy Policy governs the use of collected information. Using the Site signifies consent. Users should protect login credentials and logout fully after each session, especially on shared devices. Notify Hegemark LLC promptly about any suspected breach. Hegemark LLC reserves login disabling rights per its discretion.  

Waiver and Severability
No waiver of any provision is implied. Invalidity of part of these Terms will not invalidate the remaining provisions.

Entire Agreement 
These Terms represent the entire agreement and supersede prior agreements between Hegemark LLC and Site users. No amendments will be binding unless in signed writing. Agreements made electronically carry equal weight as physical documents.

Termination
Hegemark LLC reserves the right to terminate Site access without notice. Upon termination, users must destroy materials obtained from the Site.