These terms govern your access to and use of the Verde Capital Management website, including its pages, articles, videos, forms, downloadable materials, and other digital features. By using this website, you agree to these terms. If you do not agree, please discontinue use of the website.
Additional agreements, disclosures, policies, and regulatory documents may apply when you communicate with Verde, become a client, access an outside platform, or receive advisory services. If these website terms conflict with a signed client agreement or required regulatory disclosure, the applicable agreement or disclosure will control with respect to that relationship.
Website Purpose
This website provides general information about Verde, its services, financial concepts, investment perspectives, and other topics that may be relevant to current or prospective clients. Website content is educational and informational in nature unless expressly stated otherwise.
The information presented may not reflect your personal circumstances, complete financial picture, investment objectives, tax position, legal needs, risk tolerance, or time horizon. You should not make a financial, investment, tax, legal, insurance, estate, or business decision solely because of information found on this website.
No Advisory Relationship
Visiting the website, reading its content, downloading a resource, submitting a form, or communicating through a general website feature does not create an investment advisory, financial planning, fiduciary, professional, or client relationship with Verde.
An advisory relationship begins only after Verde and the client have completed the applicable review process, agreed to the scope and terms of the relationship, and entered into the required written agreement. Services are provided only in jurisdictions and circumstances where Verde is appropriately registered, exempt, or otherwise permitted to provide them.
No Offer, Solicitation, or Personalized Recommendation
Nothing on this website should be interpreted as an offer to buy or sell a security, a solicitation of an offer, or a personalized recommendation concerning a security, investment strategy, account, financial product, or course of action.
References to services, investments, markets, planning strategies, or financial concepts are provided for general discussion. A strategy that may be appropriate for one person may be inappropriate for another. Any recommendation made by Verde within an advisory relationship will depend on the client’s circumstances, objectives, needs, and applicable agreement.
Investment Risk
Investing involves risk, including the possible loss of principal. Market conditions, economic events, interest rates, company performance, taxes, inflation, liquidity, investor behavior, and other factors can affect investment results.
Past performance does not guarantee future results. No investment process, financial plan, allocation, security, or strategy can assure a profit or eliminate the possibility of loss. Diversification and asset allocation may help manage certain risks but do not guarantee against investment losses.
Any examples, projections, illustrations, scenarios, or discussions of potential outcomes are hypothetical or educational unless clearly identified otherwise. Actual results may differ materially.
Tax, Legal, Insurance, and Accounting Information
Website content concerning taxes, estate planning, insurance, business matters, accounting, or law is general information and is not a substitute for advice from a qualified professional familiar with your specific circumstances.
Tax laws, regulations, financial rules, and legal requirements may change. Verde may help clients identify questions, consider financial implications, and coordinate with outside professionals, but website content should not be treated as tax preparation, legal representation, insurance advice, or accounting advice.
Accuracy and Timeliness
Verde seeks to provide useful and accurate information, but financial markets, tax rules, regulations, services, technologies, and other circumstances change over time. Website content may become incomplete, outdated, or inaccurate without immediate notice.
Verde does not represent that all content is complete, current, error-free, or appropriate for every visitor. The firm may correct, revise, remove, or update website content at any time without obligation to provide advance notice.
Third-Party Information
The website may contain information obtained from sources believed to be reliable, including market data, research, public filings, news, government resources, service providers, and other third parties. Verde does not independently guarantee the accuracy, completeness, timeliness, or continued availability of third-party information.
Views attributed to a third party belong to that source and do not necessarily represent Verde’s views. The inclusion of outside information does not constitute an endorsement of every statement, service, product, or organization associated with that source.
Third-Party Websites and Platforms
The website may link to custodians, account platforms, social networks, media providers, government resources, recruiting systems, document hosts, or other third-party websites and services. These links may be provided for convenience or informational purposes.
Verde does not control third-party websites and is not responsible for their content, availability, security, accessibility, privacy practices, terms, or services. A link does not necessarily imply endorsement, sponsorship, affiliation, or approval. Your use of an outside website is governed by that provider’s terms and policies.
Website Forms and Communications
Website forms are intended for general inquiries and introductory communications. Do not use a general website form to send account credentials, Social Security numbers, tax documents, account numbers, trading instructions, transfer requests, time-sensitive directions, or other highly sensitive information.
A form submission is not considered received or accepted for purposes of a securities transaction, account instruction, deadline, regulatory notice, or client authorization. Current clients should use the communication method or secure system provided for the applicable request.
Email and internet communications may not always be secure, immediate, or error-free. Verde does not guarantee delivery, receipt, confidentiality, or response time for a message transmitted through a general website feature.
Permitted Use
You may access and use this website for lawful, personal, and informational purposes. You agree not to:
- Use the website in violation of any law, regulation, or third-party right
- Attempt to gain unauthorized access to an account, system, server, database, or network
- Interfere with website security, operation, availability, or performance
- Introduce malware, harmful code, automated attacks, or disruptive technologies
- Misrepresent your identity, authority, affiliation, or purpose
- Use forms to transmit unlawful, misleading, abusive, fraudulent, or harmful content
- Scrape, harvest, reproduce, or systematically extract website content without authorization
- Use Verde’s name, content, trademarks, or materials in a way that implies an unauthorized endorsement or relationship
Verde may restrict or discontinue access when it reasonably believes use of the website violates these terms, creates a security risk, interferes with others, or may harm the firm or another person.
Intellectual Property
Unless otherwise indicated, the website and its original content—including text, graphics, videos, downloads, design elements, logos, brand features, organization, and presentation—are owned by or licensed to Verde and are protected by applicable intellectual-property laws.
You may view, download, or print materials for personal, noncommercial use when the website makes that functionality available. You may not reproduce, modify, publish, distribute, sell, license, create derivative works from, or commercially exploit website content without prior permission from the applicable rights holder.
Third-party names, trademarks, materials, and content remain the property of their respective owners.
Testimonials, Ratings, Awards, and Recognition
The website may reference testimonials, endorsements, ratings, awards, rankings, or other forms of recognition when permitted. These items may reflect the experience, methodology, criteria, or opinion of a particular person or organization and may not be representative of every client or future experience.
No testimonial, endorsement, rating, or award should be interpreted as a guarantee of investment performance, financial results, service quality, or client satisfaction. Additional disclosures may appear near the relevant content and should be reviewed together with it.
Downloads and Educational Materials
Articles, guides, white papers, videos, calculators, checklists, and other educational materials are provided for general use. They may simplify complex subjects, use assumptions, or omit considerations that would be important in an individualized analysis.
Downloading or using a resource does not create an advisory relationship and does not mean the material is appropriate for your circumstances. You are responsible for evaluating the information and consulting qualified professionals before acting on it.
Website Availability and Security
Verde may modify, suspend, restrict, or discontinue any part of the website without notice. The firm does not guarantee that the website will remain available, uninterrupted, secure, compatible with every device, or free from errors, viruses, or other harmful components.
You are responsible for maintaining appropriate security practices for your device, browser, internet connection, passwords, and personal information.
Disclaimer of Warranties
To the fullest extent permitted by applicable law, the website and its content are provided on an “as is” and “as available” basis. Verde disclaims warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, noninfringement, availability, and security.
Some jurisdictions do not permit the exclusion of certain warranties, so portions of this section may not apply to you.
Limitation of Liability
To the fullest extent permitted by applicable law, Verde and its owners, officers, employees, representatives, affiliates, licensors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your access to, use of, reliance on, or inability to use the website or its content.
This includes loss or harm associated with decisions made using general website information, interruptions, errors, unauthorized access, malicious code, third-party services, lost data, or lost business opportunities.
Nothing in these terms limits liability that cannot lawfully be limited or excluded. Client rights and Verde’s obligations under an applicable advisory agreement, fiduciary duty, securities law, or other governing authority are not waived by these website terms.
Indemnification
To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, damages, and expenses arising from your unlawful use of the website, your violation of these terms, or your infringement of another person’s rights.
This provision does not apply to the extent a claim results from conduct for which Verde is legally responsible and liability cannot be waived.
Privacy
Information collected through the website is handled as described in Verde’s Privacy Policy and any other applicable notices or agreements. Review the Privacy Policy before submitting information or using website features that collect data.
Governing Law
To the extent permitted by applicable law, these terms are governed by the laws of the State of Michigan, without regard to principles that would require the application of another jurisdiction’s laws.
Nothing in this section limits rights, remedies, protections, or regulatory authority that cannot lawfully be limited by agreement.
Severability and Waiver
If any portion of these terms is found unenforceable, the remaining provisions will continue to apply to the fullest extent permitted by law. A failure by Verde to enforce a provision on one occasion does not waive the right to enforce it later.
Changes to These Terms
Verde may revise these terms as the website, services, technologies, business practices, or legal requirements change. The current version will be posted on this page. Continued use of the website after a revision becomes available constitutes acceptance of the updated terms to the extent permitted by law.
Questions About Website Use
Questions about these terms or the appropriate use of website content may be submitted through Verde’s Contact page. Do not include sensitive account, identification, tax, or financial information in a general inquiry.
