Terms Of Use


Copyright
Copyright in the pages, in the screens displaying the pages and in the information, materials and other content contained in this web site is owned by Welch & Forbes unless otherwise indicated, and is protected by US and international copyright laws and treaties. The information, materials and other content of this web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written consent of Welch & Forbes.

Products and Services
The information, materials, products and services on this web site are current at the time of writing and are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and the approval of Welch & Forbes. No solicitation is made by Welch & Forbes to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law.

The information on this web site or in any communication containing a link to this web site is not intended to constitute investment advice or an offer to sell, or the solicitation of an offer to purchase shares or other securities. It is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Welch & Forbes or its affiliates to any registration requirement within such jurisdiction or country. 

Investment products and services are available through Welch & Forbes.  Investment products and services are not FDIC-insured, are not deposits or obligations of, or guaranteed by, any bank, and involve investment risks, including the possible loss of the principal amount invested. Investors should always obtain and read an up-to-date investment services description or prospectus before deciding whether to appoint an investment manager or to invest in a fund.

No Warranty
Welch & Forbes does not warrant the accuracy, adequacy, completeness or timeliness of the information, materials, products and services on this web site or the error-free use of this web site. All information, materials, products and services are "as is" and "as available" with no warranty of any kind, express or implied, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus is given in conjunction with the information, materials, products and services. Any views expressed herein are those of the author(s), are based on available information, and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients.

Limitation of Liability
In no event shall Welch & Forbes be liable for any damages, losses or liabilities including without limitation, direct or indirect, special incidental, consequential damages, losses or liabilities, in connection with your use of this web site or your reliance on or use or inability to use the information, materials, products and services on this web site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Welch & Forbes is advised of the possibility of such damages, losses or expenses.

Hyperlinks
Your use of the hyperlinks on this web site to other Internet web sites is at your own risk. Welch & Forbes is not responsible for the content or accuracy of third-party web sites hyperlinked from this web site, nor does it guarantee the products or services offered on third-party web sites. You should review the privacy statements of a web site before you provide any personal or confidential information.

Applicable Law
Your use of this web site is governed by Massachusetts law and applicable federal law.

 

Notice of Privacy Policy

Our Commitment to Privacy

The relationship between Welch & Forbes LLC and our clients is our most important asset.  We strive to maintain your trust and confidence in our firm, an essential aspect of which is our commitment to protect the confidentiality, integrity and security of your non-public personal information.  As we believe that all of our clients value their privacy, we do not disclose your non-public personal information to anyone unless it is required by law, at your direction, or is necessary to provide you with our services.  We do not sell your non-public personal information to anyone.

Personal Information That We Collect, Maintain, and Communicate

We collect and maintain your non-public personal information so we can provide investment management and/or tax preparation services to you.  The types and categories of information we collect and maintain about you include:

  • Information we receive from you to open an account or provide investment or tax services to you (such as your date of birth, social security number, address, telephone number, and financial information);
  • Information about your transactions with us, our affiliates, or others to service your account (such as trade tickets and account statements);
  • Information that we receive from third parties with respect to your account (such as trade confirmations from brokerage firms).

In order for us to provide investment management and tax services to you, we may disclose the non-public personal information that we collect and maintain in very limited instances, which includes:

  • Disclosures that are authorized or requested by you;
  • Disclosures that are required by law (for example, to cooperate with regulators or law enforcement authorities);
  • Disclosures to companies that perform services on our behalf (such as data processors that  provide investment accounting and reporting services, or otherwise assist us in delivering services to our clients) subject to agreements that prohibit such companies from disclosing or using the information other than for the services required or as permitted by law;
  • Disclosures to companies as otherwise permitted by law, including those necessary to service your account (such as providing account information to brokers or custodians).

How We Protect Your Personal Information

To fulfill our privacy commitment, we have instituted firm-wide practices to safeguard the information that we maintain about you.  These include:

  • Maintaining physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information;
  • Limiting access to non-public personal information to employees and third parties that are necessary or appropriate to provide services to you;
  • Requiring third parties that perform services to us to agree by contract to keep your information strictly confidential;
  • Protecting information of our former clients to the same extent as our current clients.