Terms of Service

Terms of Service

Last Revised: October 30, 2023. All information available through this website is the property of VCI Wealth Management LLC or its affiliated entities (the “Company”) and is protected by copyright and intellectual property laws. For the purposes of these Terms and Conditions, the terms “VCI,” “we,” “us,” or “our” means VCI Wealth Management LLC and all of its affiliates. All rights reserved.

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of VCI. You are entitled to use the information it contains for your private, non-commercial use only.

VCI operates this website (the "website") to provide financial information, related features and services ("Service" or “Content”). These Terms and Conditions constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service.

Please take a few minutes to review the Terms and Conditions. By accessing and using this website, you agree to be bound by each of the Terms and Conditions and all applicable laws and regulations governing the website. If you do not agree with any of the Terms and Conditions, you are not authorized to access or use this website for any purpose.

  1. Contents not intended for distribution or use where prohibited

    The information provided on this website 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 the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.

  2. U.S.-Based Site and Use by Children

    This site is controlled by us from our offices within the United States. Access to our content or site from jurisdictions where such access is illegal is prohibited. By interacting with the website, you warrant that you are not in a country outside of the United States. This site does not intend to market any product or services to children under eighteen (18) years of age. We do not knowingly gather or solicit data from children through this site for marketing purposes. By using this site, you warrant that you are over the age of eighteen (18).

  3. These Terms and Conditions may change without prior notice

    The Company reserves the right to modify these Terms and Conditions at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms and Conditions as modified. For this reason, we encourage you to review these Terms and Conditions whenever you use this website. The last date these Terms and Conditions were revised is set forth above.

  4. Notices of restrictions on your use

    The Service, the website and all data and information and/or content that you see, hear or otherwise experience on the website (the "Content") belongs to the Company, its partners, affiliates, contributors or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third-parties is used on the website with the permission of such third-parties for only this purpose.You may download, print and store selected portions of the Content, provided that you (1) do not copy or post the Content on any network computer or transmit, distribute, publish or broadcast the Content in any media, including without limitation, a website; and (2) do not modify or alter the Content in any way, or delete or change any copyright or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website.

    You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms and Conditions. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.

  5. Disclaimer of warranties

    The information on this website is provided "as is." You expressly agree to assume total responsibility and risk for your use of the website and the Service. The Company makes no express or implied warranties, representations or endorsements whatsoever with respect to the website or the Service. The Company expressly disclaims all warranties of any kind, express, implied, statutory or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and noninfringement, with regard to the website, the Service, or any information or content contained therein (including third party information). The Company shall not be liable for any loss or damage arising either directly or indirectly from any use of the website, the Service or any information or content contained therein (including third party information). It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all information or content provided by the website or the Service. The Company does not warrant that the functions performed by the website or the Service will be uninterrupted, timely, secure or error-free, or that defects in the website or the Service will be corrected. The Company does not warrant the accuracy or completeness of the information or content provided by the website or the Service, or that any errors in the information or content will be corrected. The website, the Service and the information or content are provided on an "as is" and "as available" basis.

  6. Limitation of liability

    If you are dissatisfied with the website or any content on the website, or with the Terms and Conditions, your sole and exclusive remedy is to discontinue using the website. You acknowledge, by your use of the website, that your use of the website is at your sole risk. You understand and agree that under no circumstances will the Company be liable for any damages whatsoever, including, but not limited to, (i) any direct, incidental, consequential, exemplary or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, the service, or the information or content provided therein, (ii) any claim attributable to errors, omissions, or other inaccuracies in the website, the Service and/or information or content contained therein or downloaded through the website, (iii) unauthorized access to or alteration of your transmissions or data, (iv) statements or conduct of any third party on the website or the Service, or (v) any other matter relating to the website or the Service, even if the Company has been advised of the possibility of such damages.

    Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such states, the company's liability is limited and warranties are excluded to the greatest extent permitted by law.

  7. Personal information and Privacy Notice

    Please review our applicable Privacy Policy, which also governs your access to our Site.

  8. User Conduct

    You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website's infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms and Conditions or by a written agreement between you and the Company.

  9. Misconduct or Improper Use

    We may terminate your access to Our sites or services if you violate these Terms and Conditions. If you are involved in any violation of Site security or otherwise violate these Terms and Conditions, we may release your details to system administrators at other sites and to federal or state law enforcement officials. We reserve the right to fully investigate suspected violations of these Terms and Conditions and to cooperate fully with any law enforcement authorities, regulatory authorities, or court orders requesting or directing us to disclose the identity of anyone suspected of suspicious activity, or publishing, or otherwise making available any materials that are believed to violate these Terms and Conditions.

  10. DMCA Policy

    In accordance with the Digital Millennium Copyright Act (“DMCA”), we have designated an agent to receive notification of alleged copyright infringement occurring on this Site, including any site in the fefafinancial.com domain. If you believe that your work is being infringed upon, notify our designated agent:

    VCI Wealth Management LLC
    Attn: Legal
    530 Vance Road
    Valley Park, Missouri 63088
    Email: [email protected]
  11. Text messages

    By providing your contact information through the website, you agree to be contacted by the Company. Message and data rates may apply. Message frequency varies.

  12. General provisions

    1. Entire agreement

      These Terms and Conditions and the Privacy Policy constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

    2. Correction of errors and inaccuracies

      The information on the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.

    3. No endorsements of links

      Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party website, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. You need to make your own decisions regarding your interactions or communications with any other website.

    4. Enforcement

      If any part of these Terms and Conditions is determined to be invalid or unenforceable, it will not impact any other provision of these Terms and Conditions, all of which will remain in full force and effect. These Terms and Conditions are governed by, and will be interpreted in accordance with, the laws of the State of Missouri, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in Saint Louis County, Missouri, regarding any and all disputes relating to these Terms and Conditions, the Company's Privacy Policy, your use of the Website, any other website, the Service, or Content or Material contained therein.