Terms of Use

By accessing and using this web-site and any pages within, you agree to the Terms and Conditions of Use as outlined below. If you do not agree with the terms and conditions as outlined below, please do not access or use this web-site.

Material presented on this website is for informational purposes only and should neither be considered investment advice nor a solicitation to buy or sell securities. Devenir only transacts business in states where it is properly registered, or excluded or exempted from registration requirements.

Modification and Monitoring of Website

Devenir reserves the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. We suggest that you check these terms periodically for changes. If you use this website after we post changes to the terms, you accept the changed terms. Devenir expressly reserves the right to monitor any and all use of this website.

Third-Party Content

This website may contain links to third party sites not under the control of Devenir and therefore is not to be held responsible for the content of those sites. Devenir is also in no way responsible for the content of any site owned by a third party that may be link to a Devenir website via hyperlink, whether such hyperlink is provided by Devenir or by a third party. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any site to which Devenir may link, including information on the site regarding Devenir. Any link that may be provided is not an endorsement of the company, the site or its contents. Devenir provides links for your convenience and does not verify or test the contents provided therein.

Disclaimers

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific company listed on HSA Planner, or product made reference to directly or indirectly on this website, or indirectly via link to any unaffiliated third-party website, will be beneficial or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the adviser or any other investment professional.

Limitations of Liability

Devenir and its affiliates are not liable under any circumstances, including but not limited to negligence, for any special, consequential or incidental damages that may result from the use of, or the inability to use, the materials on this site, even if Devenir has been advised of the possibility of such damages.

Devenir and its affiliates are not liable for damages or injury, including but not limited to damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortious behavior, negligence, or otherwise. If you live in a state that does not allow the limitation or exclusion of liability for incidental, special or consequential damages, the above limitation or exclusion may not apply to you.

In no event shall Devenir's total liability to you for damages, losses, and causes of action - whether in contract, tort (including, but not limited to, negligence), or otherwise - exceed the amount paid by you, if any, for accessing Devenir's site.

The information provided herein is the property of Devenir and its subsidiaries and may not be reproduced without written consent of the Company.

Privacy Policy

Devenir is committed to protecting non-public personal information we may receive from our valued clients and other users of this website. Devenir maintains electronic safeguards that comply with federal standards to maintain the confidentiality of non-public personal information. For additional information, please view Devenir's Privacy Policy and Client Identification Program.

This website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer to help the website analyse how visitors use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States . Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

This website uses Posthog, an open source product analytics platform we use to better understand user behavior on our website. You can read more about Posthog's privacy policy here: https://posthog.com/privacy