Terms of Use

Bay City Financial Services, Inc. (BCFS) is an SEC registered investment adviser located in Bellingham, Washington. BCFS and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those states in which BCFS maintains clients. BCFS may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. BCFS's Web site is limited to the dissemination of general information pertaining to its advisory services including financial planning services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of BCFS's Web site on the Internet should not be construed by any consumer and/or prospective client as BCFS's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by BCFS with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of BCFS, please contact the SEC or the state securities regulators for those states in which BCFS maintains a notice filing. A copy of BCFS's current written disclosure statement discussing BCFS's business operations, services, and fees is available from BCFS upon written request. BCFS does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to BCFS's Web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by BCFS), will be profitable or equal any historical performance level(s).

Certain portions of BCFS's Web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, BCFS's (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date. Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s). Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from BCFS, or from any other investment professional. BCFS is neither an attorney nor an accountant, and no portion of the Web site content should be interpreted as legal, accounting or tax advice.

Each client and prospective client agrees, as a condition precedent to his/her/its access to BCFS's Web site, to release and hold harmless BCFS, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from BCFS.

The content within this Web site is owned by Bay City Financial Services and is protected by intellectual property rights.

Privacy Policy

The BCFS privacy policy applies to all current and former clients. It also applies to any individual or entity where BCFS has collected personal information for the purpose of determining the appropriateness of establishing a client relationship.

1. We do not sell your personal information to anyone.

2. We do not disclose personal information to third parties, unless one of the following limited exceptions applies:
» We disclose personal information to companies that help us process or service your transactions or provide custodial services for your portfolio.
» We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or resolve client disputes.

Outside of these exceptions, we will not share your personal information with third parties unless you have specifically asked us to do so.

3. We do collect personal information in the normal course of business in order to administer our relationship with you and serve you better.
» New account application, phone conversations, annual meetings and other means. We collect information that you provide to us when you open an account; discuss your personal and financial information by phone or e-mail and during periodic meetings. The information we collect may include name, address, phone number, e-mail address, social security number, and information about your financial situation such as assets and liabilities, income, insurance issues and more.
» Transaction information. Once you have a relationship with us, to administer your relationship and better serve you, we collect and maintain personal information about your transactions, including balances, positions, and history, and may include your name or other data in various databases.

4. We use your personal information to fulfill our regulatory obligations and to help us deliver the best possible service to you.
» For an example, we may use your personal information to provide data for the purpose of determining other services you may need.

5. We protect the confidentiality and security of your personal information.
     » Companies we work with or are allied with to provide support services are not allowed to use your personal information for their own purposes and are           contractually obligated to maintain strict confidentially. We limit their use or your personal information to the performance of the specific service we have           requested.
     » We restrict access to personal information to our employees and agents for business purposes only. All employees are trained and required to safeguard           such information and sign a confidentiality statement.
     » We maintain physical, electronic and procedural safeguards to guard your personal information.

6. We continue to evaluate our efforts to protect personal information and make every effort to keep your personal information accurate and up to date.
» If you identify any inaccuracy in your personal information, or you need to make a change to that information, please contact us so that we may promptly update our records.

7. We will provide notice of changes in our information-sharing practices.
» If, at anytime in the future, it is necessary to disclose any of your personal information in a way that is not consistent with this policy, we will give you advance notice of the proposed change so that you will have the opportunity to opt out of such disclosure.

Bay City Financial Services Privacy Policy