Legal & Privacy Statement

The contents of this web site or any communications and publications from Penn Financial Group, LLC are intended solely for informational purposes. Statements made by various authors and other contributors do not necessarily reflect the opinions of Penn Financial Group, LLC, and should not be construed as an endorsement by Penn Financial Group, LLC, either expressed or implied. Penn Financial Group, LLC is not responsible for typographic errors or other inaccuracies in the content provided. We believe the information to be accurate and reliable. However, errors may occasionally occur. Therefore, all information and materials are provided "AS IS" without any warranty of any kind. Any comments, materials or registration information provided to Penn Financial Group, LLC, including feedback such as questions, comments, suggestions and any other click through response shall be considered to be the establishment of an "opt-in business relationship" between the responder and Penn Financial Group, LLC. Penn Financial Group, LLC shall incur no obligation of any kind, with respect to such response, and Penn Financial Group, LLC shall be free to use, reproduce or distribute the information without limitation or liability. Any ideas, concepts, know-how or techniques contained in such response can be used freely by Penn Financial Group, LLC for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products and services incorporating such ideas, concepts or techniques.

Penn Financial Group, LLC reserves the right to modify any product or service information contained on our Web site or in any publication without notifying current or prospective subscribers or customers. In no event will Penn Financial Group, LLC be held liable for any indirect, special, incidental or consequential damages arising out of the use of, or payments based on, the information contained on our web site or in any publication.

Penn Financial Group, LLC makes no representations whatsoever about any other Web sites or publications which you may access from our site and our publications and neither endorses nor accepts any responsibility for the content or use of such content.

Third party companies and products referred to in Penn Financial Group, LLC are for informational purposes only. Any information appearing on this web site or in any other publication by Penn Financial Group, LLC is not an endorsement or recommendation of any company and no representation is made, or advice given, regarding the advisability of purchasing products from, investing in, or purchasing or selling any security of any company. Partners, Employees and Affiliates of Penn Financial Group, LLC may receive compensation for the dissemination of this information, may have long or short positions in the securities discussed herein (and/or options and warrants relating thereto) and may hold, purchase and/or sell these securities or options at any time in the open market or otherwise. All claims made by Penn Financial Group, LLC should be verified by the reader. Investing is not suitable for everyone and readers are urged to consult with their own independent financial advisors before making a decision. Past performance is not necessarily indicative of future results.

Penn Financial Group, LLC recognizes that personal privacy is an important issue, so we design, maintain and operate our services with the protection of individual privacy as one of our utmost concerns. Our readership and subscriber databases are securely maintained for the proprietary publication and distribution of selected newsletters, financial and economic data and timely news reports and notices.

In this Privacy Policy we set out examples of the types of information we collect and how we may possibly share that information and with whom. These examples are provided for illustration purposes and should not be considered a complete and exhaustive listing of our information collection, use and sharing practices.

When you register to receive any of our publications, we usually obtain, at the minimum, your name and your e-mail address. When you elect to "contact us," we may obtain additional information including your name, e-mail address, phone number, address and company name. We utilize this information to respond to individual inquiries as appropriate and to send you selected newsletters, financial data and timely news reports and notices. From time to time, we may forward additional information to you including special offers from Penn Financial Group, LLC or specially selected partners who offer products, services, or information which we believe may be of interest to our readership. By providing your contact information and/or registering to receive any of our publications and/or viewing our web and e-mail information, you consent to the establishment of an "opt-in business relationship" between you and Penn Financial Group, LLC.

Penn Financial Group, LLC also collects limited non-personally identifying information your browser customarily makes available whenever you visit any website on the Internet or open an e-mail. This information may include your Internet Protocol address, browser type, browser language, the date and time of your access and one or more cookies that may uniquely identify your browser. We use this information on an aggregate basis, to analyze the readership trends of our e-mails and access to our publishing services.

Some of our newsletters, reports and notices may include ads from third parties. In order to measure advertising effectiveness, we may employ cookies. Any information that is collected via cookies is maintained under the same security measures as employed for personal information.

We are required by law to provide information in response to subpoenas, court orders, or legal process, from law enforcement agencies or state and federal regulators. If we sell or otherwise transfer substantially all of our assets related to this website, we will contractually require such third parties to honor our current Privacy Policy, until the third party provides you with notice of changes to the Privacy Policy and permits you to exercise any nondisclosure rights you may have under applicable law.

We do not sell Penn Financial Group, LLC's subscribers' e-mail addresses to third parties. We may, however, provide selected information that we have obtained on a confidential basis to certain nonaffiliated companies who are considered to be joint venture or strategic partners, advisors, contractors or consultants who are working with Penn Financial Group, LLC. Information will be shared with such third parties only to the extent reasonably necessary, and pursuant to confidentiality obligations.

Non-personal information may be compiled for statistical purposes and provided to third parties. However, none of this non-personal data will include individually identifiable information.

Penn Financial Group, LLC diligently works to insure the integrity and security of our network and systems. Penn Financial Group, LLC, however, cannot guarantee that our security measures will totally prevent third-party "hackers" from illegally obtaining access to such information.

This Privacy Policy may be updated at any time, at Penn Financial Group, LLC's sole discretion. We expect that most changes will be minor. However, from time to time the changes can be significant. In either case, we will post those changes on this page and, if the changes are significant, we will also provide a more prominent notice on our website home page. The date of the last revision to our Privacy Policy appears at the end of this notice.