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Online Privacy and Terms of Use

The website Terms of Use herein apply to use of the PENSCO websites as defined below. By visiting or using our websites, or by agreeing to the online Terms of Use agreement, you accept these Terms. Continued use of our websites constitutes your acceptance of any revisions to the website Terms of Use.

Definitions "Websites" means pensco.com, pensco.com/blog, and any other Internet sites operated by PENSCO. "PENSCO", "us" and "our" refers to PENSCO Trust Company and PENSCO, LLC. "Systems" means the applications and technology upon which our websites operate. "You" or "your" means the user of our websites.
Remarketing PENSCO Trust Company uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an inquiry, or in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to the pensco.com website. Any data collected will be used in accordance with other provisions of our privacy policy and Google’s privacy policy. You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to, you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.
Links Our websites may contain links to other Internet sites that are not affiliated with or maintained by PENSCO. By creating a link to a third party website, PENSCO does not evaluate, recommend or endorse any advisory firm or investment. PENSCO is not liable for any failure of products or services offered or advertised on third party sites.
Use of information and materials These Terms, and information and materials, terms, conditions and descriptions that appear on our websites, are subject to change. Unauthorized use of PENSCO's websites and systems, including but not limited to unauthorized entry into PENSCO's systems, misuse of passwords, or misuse of any information posted on our websites is prohibited. Your eligibility for products and services on our websites is subject to final determination by PENSCO.
Electronic Statements You may elect to access your account statements, invoices and inserts electronically in lieu of paper copies.  If you elect and consent to electronic access, PENSCO will send a notification via email to the email address of record notifying you that the electronic documents are available for viewing through your online account, and you will not receive the paper copies by mail.  Any notification of availability of electronic statements will be considered personally delivered whether or not you actually view or access these documents. For more information, visit the Website User Agreement or call us at 800-962-4238 or email clients@pensco.com.
Warranties and limitation of liability The information and materials on our websites, including text, graphics, links or other items are provided "as is" and "as available." PENSCO does not warrant the accuracy, adequacy or completeness of this information and materials and disclaims liability for errors or omissions in the information and materials. PENSCO does not warrant non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus.
Unsolicited submissions Unless otherwise stated, PENSCO does not accept unsolicited ideas, suggestions, or materials relating to development, design, or marketing of our services and products. Any such postings to our websites and electronic mail delivered to PENSCO will be considered non-confidential and non-proprietary, and will remain the exclusive property of PENSCO. PENSCO may copy, disclose, distribute, incorporate, and otherwise use the item and any information contained therein for any purpose without compensation.
Copyright Our websites constitute the copyrighted work of PENSCO. Unless indicated otherwise, no person or entity has permission to copy, display, distribute, republish, or create derivative works from such information in any form.
Governing law Use of our websites is governed by applicable Federal and State laws.
Additional terms Certain sections on our websites may contain separate terms and conditions, which are in addition to these Terms. In the event of a conflict, the additional terms and conditions will govern for those sections.