TERMS OF USE

Welcome to Aurora Securities, Inc.  Please read these Terms of Use carefully before using this Website, www.aurorasecurities.com.  Your use of the Website automatically constitutes your agreement to be bound by all of the Terms of Use below as well as the Online Privacy Policy published on this Website.

Throughout these Terms of Use, the terms “you’ or “your” shall mean you, individually, and each other party on whose behalf you may use the Site at any time.

Secure Asset Management is an affiliated registered investment advisor entity. 

Use of Web Site Content and Materials

By accessing and/or using the information printed on or contained within the website, including, without limitation, text, software, photographs, forms, audio and video clips, links, graphics, illustrations, images, drawings, product and service listings and disclosures, descriptions, logos, sound and any other material or representation made available on the website, for download or otherwise, (all of which may collectively or individually be referred to herein as the “Information” or “Website” or “Site” or “Content” or “Services”) you are acknowledging that you have read and agree to be bound by these terms of use (“Terms of Use”) without limitation or qualification. Whether or not you read these Terms of Use, your continued use of this Site will be deemed as acceptance of them and by using the Site you agree to these Terms of Use. Your use of the Site automatically constitutes your agreement to also be bound by the Aurora Securities Online Privacy Policy which can be accessed through the Site. You agree that Aurora Securities may monitor your use of the Site.

Changes to: Terms of Use; The Site; Your Access

We may revise these Terms of Use at any time. You are bound by any such revisions and should therefore periodically visit this page to review the most current conditions to which you are bound.  Aurora Securities reserves the right to modify these Terms of Use at any time without notice to you. Your continued use of the Site after such modifications constitutes your acceptance of any such modifications.

Aurora Securities, Inc. is not agreeing to nor required to update any information available on the Site. We retain exclusive control over the Site, and reserve the right to, change, suspend or discontinue all or a portion of the Content at any time and for any reason. We reserve the right to impose limits on, restrict or terminate your access to the Site or any feature or part thereof at any time and for any reason without prior notice.

Information We Collect

By visiting our Site(s), and using our services, you consent to our collecting and storing personal information as described herein. The information we collect from Website visitors depends on the type of service, support, or inquiry, and may include your name, address, telephone number, CRD number, email address, or other information. Your internet browser has the in-built facility for storing small text files known as “cookies” that hold information which allow a website to recognize you and, when applicable, your account. We may use cookies to collect, store, and sometimes track information for statistical purposes. More specifically, we use different types of cookies for different purposes including: (i) “required cookies” that are necessary for our Website to work properly, (ii) “performance cookies” which allow us to analyze how visitors use our Website so we can measure and improve the performance of the Website, and (iii) “functional cookies” which allow us to remember choices you may have made on our Website. We may also use a third-party service provider to send emails that you have agreed to receive. Pixel tags and cookies may be used in those email messages to help us measure the effectiveness of our advertising and to enable us to provide more focused marketing communications to you.

PLEASE NOTE:  If you are a resident of California, you may have rights under the California Consumer Privacy Act of 2018 (“CCPA”) regarding your personal information, as further described below.

Information Only. Not an Offer, Investment Advice Or Recommendation, Not Tax Or Legal Advice

This Site is for informational purposes only and is not an offer by Aurora Securities to sell you any security. Do not use any of the Content as the sole basis for making any investment decision. Nothing in the Site is intended to, nor does it, constitute investment advice, or recommendations as to the suitability of any specific investment, product or security. All Content is provided for your convenience and information only, and no such Content shall constitute an offer to sell or a solicitation of an offer to buy any security. The Content provided on this Site is not intended to, nor does it, constitute tax or legal advice.

Forward Looking Statements

Information on the Site and/or any downloadable materials may contain certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. You are cautioned not to place undue reliance on these forward-looking statements. Any dated information is published as of its date only. We undertake no obligation to update publicly or revise any dated or forward-looking statements. Information on the Site should not be relied upon for the purpose of making any investment decision without the direct guidance of a properly credentialed financial professional.

Email Communications

You may not use the email function to enter an order to buy or sell a security, to send us time-sensitive instructions, or to give us personal credit information or an address change.

If you send us an email, we collect your name and email address and use this in replying to your inquiry. We may use the email address you provide us so that we can send you email communications about various matters such as information about our firm and our services. By contacting us through the email link, you agree that we can send you such email communications. You can unsubscribe from one or more of our email communications at any time by emailing the [email protected] and/or calling (248) 414-1955.

Information you transmit to us through the Site, by electronic mail or otherwise, including, questions, comments, and/or suggestions, will become the property of Aurora Securities. Aurora Securities has taken certain steps to provide a secure environment for your personal information on the Site. However, due to the nature of internet transmissions, we cannot, and do not, guarantee the confidentiality of such information.

PLEASE NOTE:  If you are a resident of California, you may have rights under the California Consumer Privacy Act of 2018 (“CCPA”) regarding your personal information, as further described below.

Ownership, Trademarks, Copyrights, Intellectual Property

The Site Content contains copyrighted and copyrightable material and is protected by copyright as a collective work, pursuant to U.S. copyright laws. You may not, in whole or in part, modify, publish, transmit, display, or reproduce any of the Content. Downloading or copying the Content is expressly prohibited. You may not use any meta tags or any other hidden text utilizing Aurora Securities name and/or trademarks or copyrights, without our express written consent. All rights, title and interest in this Site and the Content including, but not limited to, all trademarks, service marks, trade names, logos, trade dress, icons, copyrights, and other intellectual property is the exclusive property of Aurora Securities. Nothing contained on this Site is intended to grant, nor should it be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Site without the written permission of Aurora Securities. Use of the trademarks, copyrighted materials or intellectual property displayed on the Site, or any other Content on the Site, without the written permission of Aurora Securities, is strictly prohibited. Images displayed on this Site are either the property of or used with permission by Aurora Securities. Use of these images is prohibited unless specifically permitted by Aurora Securities. Unauthorized use of images may violate copyright, trademark, privacy, and publicity laws.

The names of other companies and third-party products or services that may be mentioned or linked on the Site may be the trademarks or service marks of their respective owners. Those trademarks or service marks are protected by U.S. and foreign trademark, common law rights and statutes. You are prohibited from using such trade and service marks for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the express written permission of Aurora Securities or any such other party that may own the marks.

Disclaimer of Warranties. Limitation of Liability.

With respect to your use of this Site, Aurora Securities expressly disclaims all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability and fitness for a particular purpose, warranties of title, and any warranties that materials in this Site are non-infringing, as well as warranties implied from a course of performance or course of dealing; that access to this Site will be uninterrupted or error-free; that the Site will be secure; or that the Site or the server that makes the Site available will be virus-free. If you download any materials from this Site, you do so at your own discretion and risk. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such materials. No advice or information, whether oral or written, obtained by you from Aurora Securities or through or from the Site shall create any warranty of any kind. You acknowledge and agree that, to the fullest extent permitted by applicable law, Aurora Securities shall not be liable for any direct, indirect, punitive, exemplary, incidental, special, consequential or other damages arising out of or in any way related to the site, or any other Site you access through a link from this Site or from any actions we take or fail to take as a result of communications you send to us, or the delay or inability to use the Site, Aurora Securities’ removal or deletion of any materials submitted or posted on its Site, or otherwise arising out of your use of the Site, whether based on contract, tort, strict liability or otherwise. This disclaimer applies, without limitation, to any damages or injury arising from any failure of performance, error, omission, interruption, deletion, defects, delay in operation or transmission, computer viruses, file corruption, communication-line failure, network or system outage, your loss of profits, or theft, destruction, unauthorized access to, alteration of, loss or use of any record or data, and any other tangible or intangible loss. You specifically acknowledge and agree that Aurora Securities shall not be liable for any defamatory, offensive, or illegal conduct of any user of the Sites.  Aurora Securities makes no guarantee regarding the accuracy and reliability of any opinion made through this Site by any party other than Aurora Securities, as well as the accuracy and reliability of any content, products, tools, or services provided by linked Sites.  No content provided on the Site will create an oral or written warranty, whether obtained from Aurora Securities or a third-party, which is not specifically stated in these terms of use. Aurora Securities also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in this site or your downloading of any materials, data, text, images, video, or audio from this site. In no event shall Aurora Securities total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this site.

Unauthorized and Restrictions on Use

This Site is owned and operated by Aurora Securities. Except as otherwise expressly permitted by Aurora Securities, no materials from this Site or any Site owned, operated, licensed or controlled by Aurora Securities may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Site for your use only, provided that you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this Site for public or commercial purposes, including the text, images, audio, and video without Aurora Securities’ prior written permission.  Aurora Securities neither warrants nor represents that your use of materials displayed on this Site will not infringe rights of third parties.

Unauthorized use of the Site, Content, or our systems, including, but not limited to, unauthorized entry into our systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use the Site or the Content in any manner that could damage, disable, overburden, or impair any Aurora Securities’ Site or service or interfere with any other party’s use and enjoyment of the Site or the Content. You shall not introduce, nor permit any person to introduce into the Site or Content, any code or malicious or hidden mechanisms that would impair the operation of the Site or Content, or of our computers, networks, or other devices or software. Aurora Securities prohibits caching, unauthorized hypertext links to the Site, and the framing of any Content available on the Site. We reserve the right to disable any unauthorized links or frames and specifically disclaim any responsibility for the Content available on any other websites linked to our Site.

The Content provided on this Site are not provided to and may not be used by any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules, or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where Aurora Securities, Inc. is not authorized to provide such information or services.

Third-Party Content Providers. Links to Other Websites

The Site may be linked to other websites which are not maintained by Aurora Securities, Inc.  Aurora Securities is not responsible for the content of such linked websites. The inclusion of any link to such websites does not imply Aurora Securities’ approval or endorsement of such sites or the content thereof. Aurora Securities cannot guarantee that the links set out on our Site will be accurate at the time of your access. Moreover, the sites pointed at by links have been independently developed and possibly maintained by person(s) over whom Aurora Securities has no control. Aurora Securities cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and newsgroups. Accordingly, Aurora Securities assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Aurora Securities believes that our making available links to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Third-Party Beneficiaries. To the extent the Content contains data or information provided by third-party content providers or are otherwise contributed to by third-party providers, such providers shall be considered third-party beneficiaries of this Terms of Use.

Governing Law, Arbitration

All the terms herein shall be governed by and construed in accordance with the laws of the State of Michigan without giving effect to principles of conflict of law. You acknowledge that any violation of this Terms of Use, or misuse of the Site or the Content, or infringement of any trademark or copyright may cause Aurora Securities irreparable harm, the amount of which may be difficult to ascertain, and therefore you agree that Aurora Securities shall have the right to apply to a court of competent jurisdiction for an order enjoining any such further misappropriation and for such other relief as Aurora Securities deems appropriate. This right of Aurora Securities is to be in addition to the remedies otherwise available to Aurora Securities. Subject to the provisions of this Section, all disputes, controversies, or claims arising out of or relating to this Agreement will be resolved through mandatory binding arbitration, before the American Arbitration Association, pursuant to the United States Arbitration Act, 9 U.S.C. Section 1, et seq. (the “Act”) and the terms of use of this Agreement. shall be conducted in accordance with the commercial arbitration rules of the American Arbitration Association. The arbitrator’s fees will be shared equally by the parties, and each party will bear its own costs and attorneys’ fees. All papers, documents, or evidence, whether written or oral, filed with or presented in connection with the arbitration proceeding will be deemed by the parties and by the arbitrator to be confidential information of both parties. The arbitrator chosen in accordance with these provisions will not have the power to alter, amend, or otherwise affect the terms of these arbitration provisions or the provisions of this Agreement. Notwithstanding the foregoing, nothing in this Section shall prevent either party from applying for and obtaining from a court a temporary restraining order and/or other injunctive relief. Any and all disputes against or otherwise involving Aurora Securities regarding the content presented on the Site must be resolved through arbitration as set forth in this section.

Entire Agreement, Modification, Changes, Updates

These Terms of Use represent the complete and exclusive statement of the understanding between you and Aurora Securities regarding your rights to access and use the Services and Information on the Site and supersedes all prior and contemporaneous agreements and representations regarding such subject matter. These Terms of Use constitute the entire agreement between you and us with respect to your use or access of the Site or the Content. Except as herein provided, no waiver, modification or amendment of any provision of these Terms of Use shall be effective against Aurora Securities unless the same is in writing and signed by an authorized officer of Aurora Securities.

Severability

If for any reason a court of competent jurisdiction finds any provision of these Terms of Use, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms of Use, and the remainder of the Terms of Use shall continue in full force and effect.

Aurora Securities’ failure to insist at any time upon strict compliance with any of these Terms of Use or any delay or failure on Aurora Securities’ part to exercise any power or right given to Aurora Securities or a continued course of such conduct on Aurora Securities part shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise.  All rights and remedies given to Aurora Securities are cumulative and not exclusive of any other rights or remedies which Aurora Securities otherwise has at law or equity.

Indemnification

You hereby indemnify and hold harmless Aurora Securities (and its directors, officers, employees, control persons, vendors, licensors and agents), the Provider and any third party provider from and against any and all claims, losses, liabilities, damages, costs and expenses (including reasonable attorney’s fees and costs) arising out of or related to your breach of your agreements, representations and warranties contained herein or your use of the Services or Information (i) in violation of these Terms of Use, (ii) in violation of any rights of Aurora Securities and any third-party content provider, including copyright, patent, trade secret, trademark, or other intellectual property rights and publicity and privacy rights, or (iii) in violation of any applicable law, rule or regulation, or (iv) your failure to maintain the security of any user code or password, as applicable. This indemnification shall be binding upon you and your executors, heirs, successors and assigns.

Termination Upon Violation of Terms

If you violate any of these Terms of Use, Aurora Securities reserves the right to immediately terminate any rights granted to you and/or your access to the Site without notice or liability. Termination of your access or use will not waive or affect any other right or relief to which Aurora Securities may be entitled to at law or in equity.

FOR RESIDENTS OF CALIFORNIA ONLY

California Consumer Privacy Act (CCPA)

Rights Under State Law (California) 

Residents of California have certain rights under the California Consumer Privacy Act of 2018 (“CCPA”) regarding their personal information.

Most of the data that Aurora Securities collects is exempt from the provisions of the CCPA, which do not apply to personal information collected, processed, sold, or disclosed pursuant to the Gramm-Leach-Bliley Act and its implementing regulations including SEC Regulation S-P or the California Financial Information Privacy Act.  This section therefore does not apply to such information.  This section also does not apply to other categories of information that are exempted from the privacy policy notification requirements of the CCPA, including certain information processed exclusively in the business-to-business context (e.g., information about an individual acting in his or her capacity as a representative of a company) and information collected about employees, job applicants, and contractors.

Rights Under the CCPA and other California Laws

If your information is covered by the CCPA, you have the rights described below.

Right to Request Disclosure of Information We Collect and Share

If your personal information is covered by the CCPA you have a right to request that we provide the following information:  

• The categories of personal information that we have collected. 
• The categories of sources from which we collected the personal information.
• The business or commercial purposes for which we collected and/or sold the personal information.
• The categories of any third parties with which we shared the personal information. 
• The specific pieces of personal information we collected over the past year.

You may also submit a request for the following additional information:  

• The categories of personal information, if any, we have sold, categories of third parties to which we sold that personal information, and the categories of personal information sold to each type of third party.
• The categories of personal information that we have disclosed for a business purpose. 

Our responses to any of these requests will cover the 12-month period preceding our receipt of the request.  PLEASE NOTE:  Aurora Securities does not sell personal information.

Right to Request the Deletion of Personal Information We Have Collected

If your personal information is covered by the CCPA you may also request deletion of information covered by the CCPA that we maintain.  Upon receiving and verifying such a request, we will delete the personal information, unless that information is necessary for us to: 

• complete the transaction for which the firm collected the information; 
• provide you with a good or service requested; 
• perform a contract we entered into with you; 
• detect security incidents; 
• maintain the functionality or security of our systems; 
• comply with or exercise rights provided by the law; or
• use the information internally in ways that are comparable with the context in which information was provided by you to us, or that are reasonably aligned with your expectations based on your relationship with us, among other things. 

Please note that if we receive a request that personal information be deleted, you may no longer be able to access or use certain parts of our websites.

How To Exercise These Rights

To exercise these CCPA rights, you should email [email protected] or contact us at (248) 414-1955. You may also submit a request in person through your registered representative.

Our Processes for Responding to CCPA Requests

• Timeline for responding: We will respond to requests for access or deletion as soon as practicable and in any event generally not more than within 45 days after receipt of your request.  We may extend this period to 90 days in some cases.  
• Verifying requests: Depending on the nature of your request, we may ask for information to verify the request and your identity.  
• Designating an agent: You may designate an agent to submit a request on your behalf.  The agent can be a natural person or a business entity that is registered with the California Secretary of State.  If you would like to designate an agent to act on your behalf, you and your agent will need to comply with our agent verification process.  You will be required to verify your identity by providing us with certain personal information, depending on the nature of the information you require, which we will endeavor to match with information we maintain. Additionally, we will require that you provide us with written confirmation that you have authorized the agent to act on your behalf, and the scope of that authorization.  Your agent will also be required to provide us with proof of the agency relationship, which may be a declaration attesting to the agent’s identity and your authorization to act on your behalf, signed under penalty of perjury.  If the agent is a business entity, it will also need to submit evidence that it is registered and in good standing with the California Secretary of State.  Information to identify and verify the agent can be submitted through the same mechanism and while you submit information to verify your identity.  Please note that this subsection does not apply when an agent is authorized to act on your behalf pursuant to a valid power of attorney. Any such requests will be processed in accordance with California law pertaining to powers of attorney.
• Requests for household information: There may be some types of Personal Information that can be associated with a household (a group of people living together in a single home).  Requests for access or deletion of household Personal Information must be made by each member of the household.  

Disclosure Requirements

In accordance with the CCPA, we provide the following CCPA Disclosure to inform you as to the categories of personal information we may collect and the purposes for which the categories of information shall be used.  Click here to view our Point of Collection Notice.  With respect to each of the categories of data listed in the linked disclosure, we may also share Personal Information with any person to whom we transfer any of our rights or obligations under any agreement, or in connection with a sale, merger, or consolidation of our business or other transfer of our assets, whether voluntarily or by operation of law, or who is otherwise deemed to be our successor or transferee.

Non-Discrimination

We are committed to complying with the law. If you exercise any of your rights explained in this Terms of Use, we will continue to treat you fairly.

Accessibility

We are committed to ensuring that our communications, such as our websites, are accessible to individuals with disabilities. This website is designed to meet content accessibility guidelines. Individuals with disabilities can access the CCPA Disclosure notice in alternative formats or submit accessibility-related requests or report barriers to accessibility, by contacting us at: 2565 West Maple Road, Troy, MI 48084 or at [email protected], at (248) 414-1955 and/or (888) 548-6701.

Where to Find More Information

If you are an Aurora Securities client, you will also receive our Privacy Notice, as required by federal law, which provides information about how we collect, share, and protect your personal information and provides information about opting out of such sharing.  This notice is available by clicking the Privacy Notice link included on this Site. 

Please note that you may interact with a representative, other financial institutions, or other third parties (sometimes referred to as non-affiliates), and direct us to share information with such third parties as we provide products or services to you. We may not control the data practices of such third parties, and we recommend you review any applicable third-party privacy policies for information about their data practices.