Disclosures

Northern Capital Management, Inc. and Northern Capital Retirement Services, Inc. are SEC Registered Investment Advisers located in Spokane, Washington. To request a copy of either of the firms' ADV Part 2A Brochures, contact our Chief Compliance Officer via email to michelle@northernwelcome.com or call (509) 456-2526.

Use Terms & Disclaimers

The Client Login area of the Site is made available in partnership with Dynamic Reporting Portal. There is a separate Terms of Use to review and agree to as part of the Client Login area of the website. This portion of our website is made available to the public (“public content”). It is important to understand, WE DO NOT PROVIDE INVESTMENT ADVICE OF ANY NATURE in the form of public content posted on the Site. Each time you access, view or use the Site, you agree to be bound by these Terms of Use, which may be amended from time to time and the most current version will appear on the Site. Any amendment to these Terms of Use will apply to your use of the Site on and after the date of the amendment. 

Restrictions on Use of the Site

You must comply with all applicable laws when using the Site. You will not, and will not permit anyone else to, (a) use any automated tool (e.g., robots or spiders) to use the Site; (b) modify, distribute or resell any content from the Site; (c) use the Site for any purpose except for your own personal use; (d) circumvent or disable any digital rights management, usage rules or other security features of the Site; or (e) use the Site in a manner that threatens the integrity, performance or availability of the Site. 

Financial Market Information

Our Site makes available certain financial market data, quotes, news, research and opinions (including Research Reports, as defined below) or other financial information (collectively “Information”) that has been independently obtained by certain financial market information services, financial publishers, various securities markets including stock exchanges and their affiliates, investment bankers and other providers (collectively the “Information Providers”) or has been obtained by us. We do not endorse or approve such market information, and it is made available to you only as a convenience. Market information quickly may become unreliable for various reasons, including changes in market or economic conditions. We do not guarantee or warrant the accuracy, timeliness, completeness or correctness of any market information. All such Information is provided “as-is” and “as-available.” You agree not to use any market information made available through the Site for the purpose of timing or executing trades, without first independently verifying completeness or accuracy. You understand that none of the Information available through the Site constitutes a recommendation or solicitation to purchase or sell any particular security or use the services of any third party. 

Links to Third-Party Sites and Services

The Site may contain links to third-party sites and services. We do not endorse any third-party site or service. We are not responsible for the content of linked third-party sites and do not make any representation regarding the content or accuracy of materials on such sites. If you decide to access third-party sites, YOU DO SO AT YOUR OWN RISK. Your dealings or interactions with any third party found on or through the Site are solely between you and the third party. We will not in any manner be liable for or responsible for any of your dealings or interactions with third parties.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to the Site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Northern Capital Management, Inc. and/or Northern Capital Retirement Services, Inc. or from any other investment professional.

Governing Law and Venue

Except as otherwise provided in a written agreement, any dispute related to or arising out of these Terms of Use or your use of the Site shall be governed, construed and interpreted in accordance with the laws of the State of Washington, without giving effect to principles of conflicts of law. Any legal action by you against us must be commenced in Spokane County, Washington, within one year after the claim arose. You consent to the exclusive jurisdiction of the state and federal courts located in Spokane County, Washington. 

Indemnification

You will indemnify and hold us and our officers, directors, employees, affiliates, agents or licensors harmless from any claim, demand, loss, cost or expense, including attorney fees, made by any person arising out of or relating to your violation of these Terms of Use, your violation of any applicable federal or state law or regulation or your violation of any other person's rights, including, but not limited to, your infringement of any copyright or your violation of any proprietary or privacy right. 

Prohibited Use

Prohibited uses of the Services include the following:

  • posting or transmitting unlawful materials, e-mail or information;

  • posting or transmitting harassing, threatening or abusive materials, e-mail or information;

  • posting or transmitting defamatory, libelous, slanderous or scandalous materials, e-mail or information;

  • posting or transmitting obscene, pornographic, profane or otherwise objectionable information of any kind;

  • posting or transmitting materials, e-mail or information that would constitute an infringement upon the patents, copyrights, trademarks, trade secrets or other intellectual property rights of others;

  • posting or transmitting materials constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any local, state, national or international law, including without limitation, the U.S. export control laws and regulations;

  • posting or transmitting materials that would give rise to liability under the Computer Fraud and Abuse Act;

  • attempting to “hack” root or user logins on another system, machine, or network;

  • using the Services in such a way as to impair or otherwise interfere with another User’s use of the services;

  • including any inappropriate third party advertising; and

  • using the Services to commit fraud or engage in other misleading or deceptive activities.

Remedies 

Violation of this Policy may result in civil or criminal liability, and we may, in addition to any other remedy that we may have at law or in equity, terminate permission for the User to use the Services or immediately remove the offending material. In addition, we may investigate incidents that are contrary to this Policy and cooperate with law enforcement organizations, and provide requested information to third parties who have provided notice to us stating that they have been harmed by a User’s failure to abide by this Policy.

Termination of Electronic Services

We reserve the right to terminate your access to the Electronic Services or any portion of them including without limitation, the Information in its sole discretion, without notice and without limitation, for any reason whatsoever. We may terminate your access to Electronic Services for reasons including, but not limited to, the unauthorized use of your account access information, breach of this Agreement, discontinuance of our access to any Information or any other data from any Information Provider or Research Provider or termination of one or more agreements between us and Information Providers, Third Party Service Providers, Third Party Research Providers or Information Transmitters. We and the Third Party Service Providers, the Information Providers, the Third Party Research Providers and the Information Transmitters shall have no liability to you for terminating your access to the Electronic Services. If this Agreement is terminated, you will cease using the Electronic Services and all products, services, Information and content obtained through the Electronic Services.

Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED (EITHER IN FACT OR BY OPERATION OF LAW) OR STATUTORY, AS TO ANY MATTER WHATSOEVER. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUALITY, ACCURACY, TITLE AND NON-INFRINGEMENT. WE EXERCISE NO CONTROL OVER AND EXPRESSLY DISCLAIM ANY LIABILITY ARISING OUT OF OR BASED UPON YOUR USE OF THE SITE.

WE DO NOT WARRANT THAT THE SITE OR ANY PRODUCT, CONTENT, SOFTWARE, THIRD-PARTY PROGRAM OR DOCUMENTATION ACCESSED ON OR THROUGH THE SITE ARE ERROR FREE, WILL OPERATE WITHOUT INTERRUPTION (INCLUDING, BUT NOT LIMITED TO, FAILURES RELATED TO COMMUNICATION LINES), ARE COMPATIBLE WITH ALL EQUIPMENT AND SOFTWARE CONFIGURATIONS, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR OTHERWISE WILL MEET YOUR NEEDS.

Limitation of Liability 

IN NO EVENT SHALL WE OR OUR OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR INCOME, INVESTMENT LOSSES OR LOSS OF USE OF EQUIPMENT, SOFTWARE OR DATA) RELATED TO (A) YOUR USE OF OR INABILITY TO USE THE SITE, (B) YOUR RELIANCE ON ANY CONTENT CONTAINED ON THIS SITE OR (C) ANY GOODS OR SERVICES MADE AVAILABLE THROUGH OR LINKED TO THE SITE, EVEN IF WE ARE AWARE OF THE POSSIBILITY OF SUCH DAMAGES OR ACTED NEGLIGENTLY.

UNDER NO CIRCUMSTANCES WILL OUR TOTAL LIABILITY OF ALL KINDS ARISING OUT OF OR RELATED TO THESE TERMS OF USE OR YOUR USE OF THE SITE (INCLUDING, BUT NOT LIMITED TO, WARRANTY CLAIMS), REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT OR OTHERWISE, EXCEED THE TOTAL AMOUNT PAID BY YOUR RIA TO US FOR USE OF THE SITE DURING THE THIRTY (30) DAY PERIOD IMMEDIATELY PRECEDING THE DETERMINATION OF THE AMOUNT OF SUCH LIABILITY. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS OF USE. THE LIMITATIONS DESCRIBED IN THIS PARAGRAPH WILL APPLY NOTWITHSTANDING THE FAILURE OF THE ESSENTIAL PURPOSE OF ANY REMEDY IN THESE TERMS OF USE.

Tax and Legal Information

Our company and affiliates do not provide tax or legal advice. The information presented here is not specific to any individual's personal circumstances. To the extent this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. Likewise, each user should seek independent legal advice from a professional.