Welcome to Sceptyr. These Terms of Service (Terms) govern your use of our website, services, and relationship with Sceptyr, LLC (Sceptyr, we, us,u00a0 oru00a0 our). By accessing our website or engaging our services, you agree to be bound by these Terms.
By accessing or using our website, requesting information about our services, or entering into an advisory agreement with us, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
Sceptyr, LLC is a registered investment advisor providing wealth management and financial planning services. We are registered with the Securities and Exchange Commission (SEC) and/or applicable state securities regulators. Our services are provided to qualified investors who meet certain eligibility requirements.
- Portfolio management and investment advice
- Financial planning and wealth management
- Alternative investment strategies
- Tax optimization planning
- Estate and legacy planning coordination
- Risk management and insurance planning
Our services are limited to qualified clients who meet our minimum investment requirements and suitability standards. We reserve the right to accept or decline any prospective client at our discretion.
As our client, you agree to:
- Provide accurate and complete financial information
- Notify us promptly of any material changes in your financial situation
- Review and respond to communications in a timely manner
- Understand the risks associated with investments
- Make investment decisions based on your own judgment
- Pay fees and expenses as agreed
- Market volatility and economic downturns
- Interest rate and inflation risk
- Credit and default risk
- Liquidity risk
- Concentration risk
- Regulatory and political risk
- Limited liquidity and long lock-up periods
- Higher fee structures
- Complex investment strategies
- Limited transparency and reporting
- Regulatory restrictions
Our fee structure is disclosed in our Form ADV Part 2A (our Brochure) and your investment advisory agreement. Fees may include:
- Asset-based management fees
- Financial planning fees
- Performance-based fees (where applicable)
- Third-party custodial and transaction costs
Fees are typically billed quarterly in advance and automatically deducted from your account unless otherwise agreed.
We maintain strict confidentiality regarding all client information in accordance with federal and state privacy laws. We will not disclose your personal or financial information except as required by law or as authorized by you.
You may use our website for lawful purposes only, including:
- Learning about our services
- Accessing educational content
- Communicating with our team
- Accessing client portal (if applicable)
- Unauthorized access to secure areas
- Transmission of malicious software or code
- Attempting to disrupt website functionality
- Violating intellectual property rights
- Using automated systems to access our website
All content on our website, including text, graphics, logos, and software, is owned by Sceptyr or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.
We may recommend or use third-party service providers, including:
- Custodial and brokerage firms
- Technology platform providers
- Insurance companies
- Legal and tax professionals
We are not responsible for the actions or services of third-party providers, though we conduct due diligence before making recommendations.
To the extent permitted by law, Sceptyr’s liability is limited to the amount of fees paid to us in the 12 months preceding any claim. We are not liable for:
- Investment losses resulting from market conditions
- Indirect, incidental, or consequential damages
- Actions of third-party service providers
- Force majeure events beyond our control
- Technology failures or security breaches
Most client concerns can be resolved through direct communication. Our dispute resolution process includes:
- Direct discussion with your advisor
- Escalation to our compliance department
- Mediation through a qualified neutral party
- Arbitration (if specified in your advisory agreement)
Either party may terminate our advisory relationship with written notice. Upon termination:
- We will liquidate or transfer your assets as directed
- Fees will be prorated to the termination date
- We will provide final account statements
- Confidentiality obligations continue
We are subject to regulation by:
- Securities and Exchange Commission (SEC)
- Financial Industry Regulatory Authority (FINRA)
- State securities regulators
- Other applicable regulatory bodies
Our Form ADV is filed with regulators and available upon request or through the SEC’s Investment Adviser Public Disclosure website.
We may modify these Terms from time to time. Material changes will be communicated to you via email or through our website. Continued use of our services after changes indicates acceptance of the modified Terms.
These Terms are governed by the laws of the State of Texas and applicable federal securities laws. Any disputes will be resolved in the courts of Texas unless otherwise specified in your advisory agreement.
If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.
If you have questions about these Terms of Service or need clarification on any provision, please contact us:
