This website and the information contained herein are neither an offer to sell nor a solicitation of an offer to buy any interest in any investments managed or offered by Appropriate Balance Financial Services, Inc. and/or its affiliates. Depending on your specific investment objectives and financial position, the services discussed or recommended in this website may or may not be suitable for you. It is up to you to weigh any decision carefully.

Opinions, where and when expressed, are subject to change without notice. Information was obtained from sources considered reliable, but no representation is made as to its accuracy.

Appropriate Balance Financial Services, Inc. (ABFS) is a Registered Investment Advisor, registered with the Securities Exchange Commission (SEC). We do not offer to render personalized investment advice or financial planning advice through this medium. This medium is limited to the dissemination of general information on the services offered by our firm. For personalized information and advice please contact us at our place of business.

Appropriate Balance Financial Services, Inc,
500 – 108th Avenue, NE, Suite 910
Bellevue, Washington 98004
Phone:  (425) 451-0499
Fax:  (425) 451-1316

Terms of Use

By accessing this website and any materials presented herein (the “Site”), you accept in their entirety the following terms and conditions pertaining to the use of the Site. Appropriate Balance Financial Services, Inc. (“ABFS”) reserves the right to change the terms, conditions and notices under which this Site is offered without notice at anytime. Each use of the Site constitutes your agreement to be bound by the then-current terms and conditions set forth in these Terms of Use.

1. Limited License to Use the Site
Except as specifically permitted below, nothing contained in these Terms of Use or the Site itself either grant or will be construed to grant to you or any third party any title or interest in, or any license or right to use or reproduce, any image, text, software, code, trademark, logo or service mark contained in the Site, including without limitation the name or logo of ABFS or any of its affiliates. Any data that you transmit to the Site (including without limitation personally-identifiable information) becomes the property of ABFS and may be used by ABFS for any lawful purpose without restriction, subject to the Privacy Policy set forth below. ABFS reserves, and will enforce to the fullest extent possible, all rights that it may have with respect to copyright and trademark ownership of all material contained on this Site.

ABFS grants you a limited, non-exclusive license to display and otherwise use portions of the Site solely for your own private, non-commercial informational purposes only, and to print pages from the Site only in connection with that use. You may not modify, distribute, transmit, perform, reproduce, publish, license, create derivative works from, transfer or sell any text, graphics, logos and other source-identifying symbols, designs, icons, images, or other information, software or code obtained from the Site.

2. No Offer of Securities
Under no circumstances should any material at the Site be used or considered as an offer to sell or a solicitation of an offer to buy any interest in any investment or security.

3. Password-Protected Areas
Portions of the Site are password-protected and are accessible only to users who have been issued passwords by an authorized representative of ABFS. Password-protected portions of the Site may contain performance information for the investment strategies managed by ABFS. Users of the Site acknowledge that past performance is not necessarily indicative of future results.

4. Privacy Policy
In using portions of the Site, you may be asked to provide ABFS with personal information about yourself. Personal information is any information that can be used to identify or contact a specific individual or company. ABFS may use personally-identifiable information for its own internal purposes. ABFS will not transfer, sell or disclose your personal information to any other third party without your prior consent, except as may be required by law (such as a subpoena, search warrant or other court order, or pursuant to the order of any regulatory body having jurisdiction over ABFS or its affiliates) or to protect the integrity of the Site. In general, ABFS’s business practices limit access to personal information obtained through your use of the Site to those personnel "who would need to know client information that we already possess". Please contact us for a written copy of our full Privacy Policy. ABFS maintains physical, electronic and procedural safeguards designed to protect such information for unauthorized access or use. ABFS will use personal information obtained through your use of the Site only in accordance with the privacy policy in effect at the time such information was provided.

5. No Reliance
While ABFS uses reasonable efforts to update the information contained in the Site, ABFS makes no representations or warranties as to the accuracy, reliability or completeness of any information on the Site. Any content on the Site is subject to change without notice.

6.  Materials to be Consulted in its Entirety
All materials on the Site are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions or disclosures apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

7. Links to Third Party Websites
ABFS has not reviewed any of the websites that may be linked to the Site, and is not responsible for their content. ABFS is not responsible for the privacy practices of such other websites. ABFS does not provide any of your private information to such websites. Your linking to or use of any off-site pages or other websites is at your own risk. ABFS’s inclusion of links to other websites does not imply any endorsement of the material located on or linked to by such websites. Links to other websites are provided as a courtesy. When you choose to link to any of these websites provided herewith, you are leaving this site. ABFS and its affiliates make no representation as to the completeness or accuracy of information provided at these sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through this site. When you access one of these sites, you are leaving ABFS’s website and assume total responsibility and risk for your use of the sites you are linking to.

8. No Warranty
ABFS, ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, PRINCIPALS, AGENTS AND EMPLOYEES MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SUITABILITY OR OTHER CHARACTERISTICS OF THE INFORMATION AND MATERIALS CONTAINED ON OR PRESENTED THROUGH THE SITE. ALL SUCH INFORMATION AND MATERIALS ARE PROVIDED “AS IS,” WITHOUT ANY WARRANTY OF ANY KIND. ABFS HEREBY FURTHER DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO SUCH INFORMATION AND MATERIALS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE NON-INFRINGEMENT AND AVAILABILITY.

9. Limitation of Liability
IN NO EVENT SHALL ABFS, ITS AFFILIATES, OR THEIR OFFICERS, DIRECTORS, PRINCIPALS, AGENTS AND EMPLOYEES BE LIABLE FOR ANY CLAIMS, LIABILITIES, LOSSES, COSTS OR DAMAGES, INCLUDING INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (I) THE USE OF OR INABILITY TO USE THE SITE OR WITH ANY DELAY IN USING THE SITE, OR (II) ANY INFORMATION AND MATERIALS OBTAINED THROUGH THE SITE, OR (III) OTHERWISE ARISING OUT OF THE USE OF THE SITE; IN ANY CASE WHETHER BASED ON THEORIES ARISING ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE. SUCH LIMITATIONS APPLY EVEN IF ABFS, ITS AFFILIATES, OR ANY OF THEIR OFFICERS, DIRECTORS, PRINCIPALS, AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBLITY OF DAMAGES.

10. General
These Terms of Use are governed by the internal laws of the State of Washington, without reference to their conflicts of laws provisions. Your consent to the jurisdiction of, and venue shall lie in, any federal or state court located in King County, Washington, U.S.A., as the exclusive jurisdiction and venue for the adjudication of all disputes arising out of or relating to the use of the Site. You hereby appoint the Secretary of State of the State of Washington as your agent for service of process in any such proceeding.

Any notice to ABFS shall be given in writing and sent by registered mail to: 
Appropriate Balance Financial Services, Inc.
Attention:  Operations Manager
500 – 108th Avenue, NE, Suite 910
Bellevue, WA  98004

If any provision of these Terms of Use is held to be invalid or unenforceable in any jurisdiction, such provision shall be deemed modified to the minimum extent necessary so that such provision shall no longer be held to be invalid or unenforceable, and these Terms of Use shall be interpreted so as to achieve the intent expressed herein to the greatest extent possible in the jurisdiction in question. Any such modification, invalidity or unenforceability shall be strictly limited both to such provision and to such jurisdiction.