Gradient Capital Advisors, LLC is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Gradient Capital Advisors, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Gradient Capital Advisors, LLC unless a client service agreement is in place.
Confidentiality of Personal Information
When visitors access our website, we may ask for personal information such as name, address, email address, telephone number, and company. We also collect information about aggregate site usage. Statistics that we gather about unique visits, referring URLs, repeat visits and page views are all based on IP addresses, and are not associated with your personal information. This information shall be considered confidential information and will not be disclosed to any third party. We take every measure to protect our users’ information submitted to us through our website or through any survey.
Children
This site is not targeted towards children under the age of 18, nor does this site knowingly collect personal information about children.
Links
This site may contain links to other sites. When you link to any of the websites or posts provided here, you are leaving this site. Please be aware that we are not responsible for the privacy practices or content of such other sites. We encourage our users to be aware that when they leave our site they should read the privacy statements of external websites that collect personally identifiable information. This privacy statement applies solely to information collected by this website. We make no representation as to the completeness or accuracy of information provided at these sites, nor are we liable for any direct or indirect technical or system issues or any consequences arising out of your access to or use of third-party technologies, sites, information and/or programs made available through this site. When you access one of these sites, you are leaving our website and assume total responsibility and risk for your use of the sites you are linking to. Information and opinions on this site provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. It is given for informational purposes only and is not a solicitation to buy or sell any products or services offered. The information is not intended to be used as the primary basis for investment decisions, nor should it be considered as advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.
Cookies
This site may use cookies to help track usage patterns on our site. A cookie is a piece of data stored on the user’s hard drive containing information about the user. The cookie is only on the user’s computer; it is not stored or retained in any form by the Site. Usage of a cookie is in no way linked to any personally identifiable information while on our site. It is used for the sole purpose of identifying a regular user’s preferences, so as to customize the user’s experience. For instance, by setting a cookie for the Site, the user would not have to log in a password more than once, thereby saving time. Advertisers and advertising vendors who serve ads onto our websites may use their own cookies or other tracking technologies. We cannot be responsible for the privacy policies or practices of any such advertisers and vendors.
Legal Disclaimer
This site does not make any warranties or representations, express or implied, about the information provided on or accessed through our site. In particular it does not warrant or represent that the information is accurate, up-to-date, comprehensive, verified or complete. Our site does not accept liability for any error, omission or delay in the information or for any reliance placed by any person on the information. Our site shall not be liable for any claims or losses of any nature, arising indirectly or directly from use of the information on or accessed through the Site. You acknowledge that the information is not provided as the basis of any professional advice or for transactional use. Gradient Capital Advisors, LLC shall not be responsible or liable for any investment decisions or trading or any other actions taken by you or by third parties based on information contained in this site without an advisory agreement in place.
Professional Designations
To learn more about the industry certifications earned by members of our firm, please visit the following organizations:
CFP® – CERTIFIED FINANCIAL PLANNER™ – www.cfp.net
CFA® – Chartered Financial Analyst® – www.cfainstitute.org
ChFC® – Chartered Financial Consultant® – www.chfchigheststandard.com and www.theamericancollege.edu/ChFC
AAMS® – Accredited Asset Management Specialist℠ – http://www.cffpdesignations.com/designation/aams
CRPC® – Chartered Retirement Planning Counselor℠ – http://www.cffpdesignations.com/designation/crpc
AWMA® – Accredited Wealth Management Advisor℠ – http://www.cffpdesignations.com/designation/awma
CPA – Certified Public Accountant – https://www.dca.ca.gov/cba/ and https://irs.treasury.gov/rpo/help_cpa.html
Contact Us
If you have any questions about this privacy statement, or the practices of this site, please contact us at TSagawa@gradientcapital.com.