1. No Investment Advice or Client Relationship

The content on this Website is provided for general informational purposes only and does not constitute investment, legal, tax, or financial advice. Nothing on this Website should be construed as a recommendation or solicitation to buy or sell any security or financial product.

Accessing this Website does not create an advisory, fiduciary, or client relationship with Penmar Wealth Management. Advisory services are provided only pursuant to a written investment advisory agreement.

2. Jurisdictional Limitations

3. Accuracy and Completeness of Information

While we make reasonable efforts to ensure the accuracy of information presented, we make no representations or warranties regarding the completeness, accuracy, or timeliness of Website content. Information is subject to change without notice.

4. No Guarantees or Performance Claims

Past performance is not indicative of future results. No investment strategy or planning approach discussed on this Website can guarantee results or eliminate the risk of loss.

5. Third-Party Links

This Website may contain links to third-party websites for informational purposes only. Penmar Wealth Management does not control or endorse the content, accuracy, or privacy practices of third-party sites and is not responsible for their content.

6. Intellectual Property

All content on this Website, including text, images, logos, graphics, and design elements, is the property of Penmar Wealth Management or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

7. Limitation of Liability

To the fullest extent permitted under California law, Penmar Wealth Management shall not be liable for any damages arising out of or related to your use of this Website, including direct, indirect, incidental, or consequential damages.

8. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict-of-law principles.

9. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Continued use of the Website constitutes acceptance of any changes.

10. Contact Information

Questions regarding these Terms of Use may be directed to:

Penmar Wealth Management
brad@penmarwm.com
860 3rd St.
Apt 4
Santa Monica, CA 90404