Legal

PRIVACY POLICY

Our clients information and privacy is a top priority for everyone at GoTo Financial, learn more by reading our Privacy Policy.  We have put a great deal of thought on this issue and continue to closely monitor for the highest standards of practice.

CLEAN DESK POLICY

The safeguarding of a client’s confidential information is our highest priority at all times. Under no circumstances are any work papers, financial statements, personal documents, client information, or anything that can remotely be deemed valuable to a potential thief to be left in any open area. Employees must secure all papers and files if stepping away from their desk. After digitizing documents to our secure network folder, items must be shredded immediately. Leaving any business documents on one’s desk, in an unlocked drawer, or on top of the shredder is not permitted and may be subject to disciplinary action.

GENERAL DISCLOSURES

GoTo Financial  Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where GoTo Financial and its representatives are properly licensed or exempt from licensing. This website is solely for informational purposes and subject to change. GoTo Financial may render no advice unless a client service agreement is in place. The views expressed are for commentary purposes only and do not take into account any individual, personal, financial or tax considerations. Any videos on our site or third party links are not intended to be personal, legal or investment advice or a solicitation to buy or sell any security or engage in a particular investment strategy. Past performance is no guarantee of future performance. Investing in the stock market involves risk of loss and may not be suitable for all investors. Any opinions expressed are current only as of the time made and are subject to change without notice.

For your convenience, GoTo Financial provides links to third party websites produced by other providers. Accessing websites through links directs you away from our website. GoTo Financial is not responsible for errors or omissions in the material on third party websites, and does not necessarily approve of or endorse the information provided, nor is GoTo Financial compensated by any third party providers. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers. Users agree they acknowledge any risk and assume responsibility for use of these websites produced by third parties.

Errors and Omissions may occur, please notify GoTo Financial for any information you believe should be included or if an error is observed.  info@goto-financial.com.

All items including pricing and other statistics are subject to change.  Payouts and other illustrations are subject to individual assessments and used for guidance purposes only.

GoTo Financial does not offer tax or legal advice. Please seek the counsel of a legal or tax professional if in need of legal or tax advice.

All client correspondence is subject to FINRA’s communication guidelines.

TERMS AND CONDITIONS

Please read the following terms and conditions (this “Agreement”), which apply to your use of the website located at www.GoToFinancial.com or www.GoTo-Financial.com (the “Site”), the mobile versions thereof, and any applications, platforms or technologies accessible on the Site.  The Site is controlled, owned and operated by GoTo Financial Inc. (“GoTo Financial Inc.”).  This Agreement is a binding contract between you and GoTo Financial Inc..  You shall be deemed to have agreed to the terms of this Agreement by using the Site.  If you do not agree to these terms, do not use the Site.

The Site is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy or sell any securities, futures, options or other financial instruments.  Any offering or solicitation will be made only to qualified prospective investors. Nothing contained on the Site is intended to be or should be construed as legal, tax, financial, investment or any other advice. Past performance is no guarantee of future results, and you should not rely solely on past performance when making decisions.

  1. General Use Provisions.
    • All materials provided on the Site including information, text, graphics, documents, logos, trademarks, sounds, images, multimedia content, audiovisual content or any other materials you may see or read on the Site and all related software code (collectively, the “Materials”) are provided either by GoTo Financial Inc. or by its respective third party licensors or agents (“Third Party Providers”) and are the property or copyrighted work of GoTo Financial Inc. and/or its respective Third Party Providers. All Rights Reserved.  Third Party Providers are intended third party beneficiaries of this Agreement and may enforce the terms of this Agreement against you.
    • Subject to the terms and conditions herein, the Materials are for your limited and personal, non-commercial access and use. You agree not to: (a) modify or alter any part of the Site or the Materials, (b) attempt to gain unauthorized access to the Site, or other computer systems, servers or networks connected to the Site or any portion thereof,  (c) use the Site to harm minors in any way, (d) interfere with or disrupt the Site or servers or networks connected to the Site, or disobey the requirements, procedures, policies or regulations of networks connected to the Site, (e) collect or copy any product listings or products from the Site, (f) intentionally or unintentionally violate any applicable local, state, national or international law, or (g) use automated means, including spiders, robots, crawlers, data mining tools, or similar data gathering methods to download data from the Site or otherwise access the Site.  You further agree to comply with all applicable laws, rules and regulations governing your use and access of the Site and the Materials.
    • Except as otherwise provided, or pursuant to a separate written agreement between you and GoTo Financial Inc., none of the Materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted, transferred, assigned or transmitted in any form or by any means, including, electronic, mechanical, photocopying, recording, or other means, without the prior express written permission of GoTo Financial Inc. or the appropriate Third Party Provider. Except where expressly provided otherwise by GoTo Financial Inc., nothing on the Site shall be construed to confer any license to any of GoTo Financial Inc.’s or any Third Party Provider’s intellectual property rights, whether by estoppel, implication or otherwise.
  2. Third Party Sites and Links.
    • The Site may contain links to web sites controlled by parties other than GoTo Financial Inc.. GoTo Financial Inc. is not responsible for and does not endorse or accept any responsibility for the contents or use of these third party web sites or any transactions completed through such web sites.  GoTo Financial Inc. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by GoTo Financial Inc. of the linked web site, notwithstanding the inclusion on such web site of the trademarks of GoTo Financial Inc. or its Third Party Providers.  It is your responsibility to take precautions to ensure that whatever materials you select for your use are sufficient for your purposes and are free of viruses or other items of a destructive or invasive nature.
    • Materials provided by Third Party Providers on the Site have not been independently reviewed, tested, certified, or authenticated in whole or in part by GoTo Financial Inc.. GoTo Financial Inc. does not provide any of the Materials other than those specifically identified as being provided by GoTo Financial Inc..  Any correspondence with, purchase of goods or services from, or participation in third party promotions of such Third Party Providers is solely between you and the applicable Third Party Provider.
    • You may link to our home page located at www.gotofinancial.com or www.goto-financial.com, provided that any such link does not imply any affiliation, endorsement, or sponsorship of your web site by GoTo Financial Inc.. You may not frame or otherwise incorporate into any other web site any of the Materials.
  3. Privacy Policy. GoTo Financial Inc. respects the privacy of its users.  Please visit our privacy policy.
  4. Disclaimer of Warranties. YOU AGREE THAT YOUR USE OF THE SITE AND THE MATERIALS SHALL BE AT YOUR OWN RISK.  THE SITE AND THE MATERIALS ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS.  WITH REGARD TO THE MATERIALS AND THE SITE, GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS MAKE NO WARRANTY REGARDING YOUR USE OR PERFORMANCE OF THE SITE.  GOTO FINANCIAL INC. HEREBY DISCLAIMS ALL EXPRESS OR IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES AND CONDITIONS, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED REPRESENTATIONS, WARRANTIES, GUARANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT THAT SUCH DISCLAIMERS ARE HELD TO BE LEGALLY INVALID.  GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS DO NOT WARRANT WITH RESPECT TO THE PERFORMANCE OR RESULTS YOU MAY OBTAIN BY USING THE MATERIALS.  GOTO FINANCIAL INC. SHALL HAVE NO LIABILITY FOR ANY VIRUSES RELATED TO THE MATERIALS OR THE SITE.  WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS DO NO WARRANT THAT (A) THE MATERIALS WILL MEET YOUR REQUIREMENTS, (B) THE MATERIALS WILL OPERATE OR BE USABLE IN COMBINATION WITH OTHER HARDWARE, SOFTWARE, SYSTEMS OR DATA, (C) THE OPERATION OR USE OF THE SITE OR THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, OR (D) ANY PROGRAM ERRORS WILL BE CORRECTED.  YOU ASSUME ALL RESPONSIBILITY FOR DETERMINING WHETHER THE MATERIALS ARE ACCURATE OR SUFFICIENT FOR YOUR PURPOSES.  GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO THE SITE AND/OR USE OF THE MATERIALS.  GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES, GUARANTIES, OR CONDITIONS AS TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY, OR COMPLETENESS OF THE MATERIALS CONTAINED ON THE SITE.  THE SITE IS CONTROLLED AND OFFERED BY GOTO FINANCIAL INC. FROM ITS FACILITIES IN CALIFORNIA.  THOSE WHO ACCESS OR USE THE SITE FROM OTHER JURISDICTIONS DO SO AT THEIR OWN OPTION AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAW.
  5. Limitation of Liability. GOTO FINANCIAL INC. AND THE THIRD PARTY PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGES SUFFERED AS A RESULT OF USING, MODIFYING, CONTRIBUTING, COPYING, DISTRIBUTING OR ACCESSING THE SITE OR THE MATERIALS, AS WELL AS FOR ANY DAMAGES SUFFERED AS A RESULT OF THE INABILITY TO USE THE SITE OR THE MATERIALS.  IN NO EVENT SHALL GOTO FINANCIAL INC. OR THIRD PARTY PROVIDERS BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, HOWEVER ARISING, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR THE MATERIALS MADE AVAILABLE FROM THE SITE, EVEN IF GOTO FINANCIAL INC. HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.  YOU ACKNOWLEDGE AND AGREE THAT GOTO FINANCIAL INC. SHALL NOT BE LIABLE FOR THE CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.  AS A USER OF THE SITE, YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR THE MATERIALS IS TO STOP USING THE SITE.  THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED IN THE APPLICABLE JURISDICTION.
  6. Indemnity. You hereby agree to defend, indemnify and hold GoTo Financial Inc. and the Third Party Providers and their respective officers, directors, owners, employees and agents harmless from, and you covenant not to sue GoTo Financial Inc. or the Third Party Providers and their respective officers, directors, owners, employees and agents for, any claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including, without limitation, attorneys’ fees) arising from or related to (a) your negligence, error, omission or willful misconduct, (b) your breach of any terms of this Agreement, or (c) your use of the Site or the Materials.
  7. Regulatory. GoTo-Financial Inc is a California based advisory service regulated by State and FINRA guidelines.
  8. Additional Terms and Modifications. GoTo Financial Inc. and the Third Party Providers may make improvements and/or changes to the Site and the Materials at any time without notice.  GoTo Financial Inc. may make changes to this Agreement or other policies relating to the usage of the Site by posting an updated version of this Agreement or the other policies on the Site.  You are responsible for regularly reviewing this Agreement and the policies.  Your continued use of the Site after any such changes constitutes your consent to such changes.
  9. General Terms. The Site may include inaccuracies or typographical errors. The section headings are inserted for convenience of reference only and are not intended to be a part of or to affect the meaning or interpretation of this Agreement. As used in this Agreement, the word “including” means “including but not limited to.” No joint venture, partnership, employment or agency relationship exists between you and GoTo Financial Inc. as result of this Agreement or through the use of the Site. No alteration, amendment, or modification of any of the provisions of this Agreement shall be binding unless made in writing with express reference to this Agreement, and signed by a duly authorized representative of GoTo Financial Inc.. The failure of GoTo Financial Inc. to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by GoTo Financial Inc. in writing. If any of the provisions of this Agreement is held by a court of competent jurisdiction to be unenforceable, such provision shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and remaining provisions will remain in full force and effect. GoTo Financial Inc. shall not be liable for any failure to fulfill its obligations hereunder due to causes beyond its reasonable control, including acts or omissions of government or military authority, power outages, internet connectivity issues, acts of God, shortages of materials, transportation delays, earthquakes, fires, floods, labor disturbances, riots, or war. This Agreement will be governed by California law and controlling U.S. federal law, without regard to the choice or conflicts of law provisions of any jurisdiction.  You agree that the Site shall be deemed solely based in California, and the Site shall be deemed a passive web site that does not give rise to personal jurisdiction over GoTo Financial Inc. in jurisdictions other than California.  Any and all disputes, actions, claims, or causes of action related to or in connection with this Agreement or the Site shall be brought in the federal and state courts located in Los Angeles, California. This Agreement represents the entire understanding relating to the use of the Site and prevails over any prior or contemporaneous, conflicting or additional communications, including statements on the Site.  GoTo Financial Inc. has the right to assign or transfer this Agreement to a third party which acquires substantially all of the assets or equity of GoTo Financial Inc. connected with the Site. YOU AND GOTO FINANCIAL INC. AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES, IT BEING THE EXPRESS INTENT OF THE PARTIES TO LIMIT THE TIME PERIOD AND THE APPLICABLE STATUTE OF LIMITATION DURING WHICH A PARTY MAY BRING A CLAIM.  OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.
  10. Intellectual Property Notices. You hereby acknowledge the following proprietary notices and legends: elements of the Site are protected by copyright, trademark and other intellectual and industrial property laws and may not be copied or imitated in whole or in part except as provided in this Agreement.  No logo, graphic, sound or image from the Site may be copied or retransmitted unless expressly permitted by GoTo Financial Inc..  GoTo Financial Inc., the GoTo Financial Inc. logo, and/or other GoTo Financial Inc. brand names for products or services referenced herein or included on the Site are trademarks of GoTo Financial Inc. and may be registered in certain jurisdictions.
  11. Questions or Comments. If you have any questions or comments about this Agreement or the Site, please contact GoTo Financial Inc. at info@GoTo-financial.com.

 

FINANCIAL FIDUCIARY

This is an article we like from an outside source third party.  The simplified concept of being a Financial Fiduciary is to always put the client’s interest before your own or others.  Whereas other financial professionals might be held to a product suitability standard, a Fiduciary must go beyond the product and ensure that all investment decisions are in the clients best interest.  For example: How is a client buying an annuity with a  sales load better than a similar product with no-load sales commission, or no annuity at all.  A Financial Fiduciary should be the standard for all serious investors and is the basis for our business practice at GoTo Financial.

Fiduciary - "A professional who offers transparent advice and always puts the client's interest first".

818-835-9056  or 855-465-3397