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IMPORTANT LEGAL INFORMATION
About this Website
Spencer Financial LLC ("Spencer Financial"), W. Thomas Spencer, William T. Spencer, Samuel Baldwin, and Andrew Shea and this website are based in 327A Boston Post Road Sudbury, MA 01776-3001. Spencer Financial created this website for the convenience of its Internet visitors.
The information contained in this website is not an offer to sell or a solicitation of an offer to buy any security, insurance product or service. The information available on this website is posted for informational purposes only.
All products referred to in this website may be offered and sold only to persons in the United States and its territories. Securities are offered through Signator Investors, Inc., Member FINRA, SIPC. Offering John Hancock insurance products. No security or other product or service is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities law or other laws of that jurisdiction. Some products may not be available in all states.
The information (including text, graphics, videos, and functionally) is presented without express or implied warranties and is provided "as is". Neither Spencer Financial, W. Thomas Spencer, William T. Spencer, Samuel Baldwin, Andrew Shea, nor John Hancock can guarantee the accuracy of the information contained in this website or its suitability for any purpose.
Use of the Site
This Site does not, and it is not intended to, provide any financial, investment, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements.
Your use of the Site shall be on an "as is" basis entirely at your risk. Neither John Hancock, Manulife, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only.
Security
All information submitted to Spencer Financial, through this site, including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network. Because of the proliferation of computer viruses affecting the Internet, we want to warn you about the possibility of infections or viral contaminations on your system. It is your responsibility to scan any and all downloadable materials received from the Internet. Neither Spencer Financial, W. Thomas Spencer, William T. Spencer, Samuel Baldwin, Andrew Shea, nor John Hancock is responsible or liable for any damages caused by such hazards.
Linked Sites
Links to other Internet sites ("hypertext" links) are included as a convenience for our visitors. Neither Spencer Financial, W. Thomas Spencer, William T. Spencer, Samuel Baldwin, Andrew Shea, nor John Hancock assumes any liability for the content or presentation of linked sites.
Copyright
Spencer Financial and John Hancock maintain all copyrights in the text and graphic images and logos contained in this website. This information is provided for the personal viewing of our readers and not be distributed, modified, or without the prior written consent of these entities.
Unauthorized copying, reproduction, republishing, uploading, downloading, posting, transmitting or duplicating of any of the material is prohibited.
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