Acceptance of the Terms of Service
Welcome to Sentinel Stone Financial LLC (“Sentinel Stone,” “we,” “us,” or “our”) website. By accessing and using www.sentinel-stone.com, you agree to these Terms of Use and our Privacy Policy, located at www.sentinel-stone.com, which is incorporated by reference. If you disagree with any part of these terms, you must not use our website. Your continued use of the website signifies acceptance of the current Terms of Use.
Changes to the Terms of Use
We reserve the right to modify these Terms at any time. Changes are effective upon posting. Continued use of the website after changes means you accept those changes. Regularly review this page for updates.
Ownership and Restrictions on Use
The content on our website is owned by Sentinel Stone or its licensors and is protected by copyright and other intellectual property laws. You may download or print pages/sections for personal, non-commercial use, provided copyright notices remain intact. Unauthorized reproduction, transmission, commercial use, or security violation of the website content is prohibited. We may revoke your access at any time, without notice.
Risks You Assume by Using This Website
The information on this website is current as of its date and is subject to change. While we strive for accuracy, updates or corrections may not be made immediately. We are not liable for decisions made based on this information. Technological issues, including viruses, may arise; we are not liable for any defects or problems from using the website.
Linked Websites
Accessing third-party links will take you away from our website. We do not endorse, nor are we responsible for, the content or products/services of linked sites.
International Use
This website is intended for use only where legal. You are responsible for compliance with local laws and regulations.
No Warranty and Limitation of Liability
Our website and its content are provided “as is” without warranty of any kind. We are not liable for indirect, incidental, special, punitive, or consequential damages from your use of the website. Our liability is limited to the maximum extent permitted by law, even if advised of the possibility of such damages.
You agree to defend, indemnify, and hold harmless Sentinel Stone Financial LLC, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, your User Contributions, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.
Governing Law
These Terms and any disputes arising from the use of our website are governed by the laws of Wyoming. Disputes will be resolved in the state or federal courts located in Boise, Idaho, which have jurisdiction over these matters.
Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and Sentinel Stone regarding the website. If any provision is unenforceable, the remainder remains in effect. Failure to enforce any part of these Terms is not a waiver.
For concerns or questions, contact us at compliance at [email protected].
Privacy Policy of Sentinel Stone Financial LLC
Effective Date: 01 January 2024
Sentinel Stone Financial LLC (“Sentinel Stone,” “we,” “us”) values your privacy and is committed to protecting it through adherence to this Privacy Policy. This policy describes how we collect, use, share, and safeguard your personal information, and outlines your rights regarding your personal information.
Scope
This policy applies to information we collect:
– On our Website (www.sentinel-stone.com).
– In email, text, and other electronic communications between you and our Website.
Exclusions:
– Information collected offline or through any other means not associated with this Website.
– Information collected by third parties, through any application or content linked to or from our Website.
Information Collection
We collect personal information, including but not limited to:
– Identifiable information (name, address, email, telephone number, social security number, passport, driver’s license).
– Financial information (account transactions, balances, income, net worth).
– Internet activity (browsing history, search history, information on interaction with a website).
Use of Your Information
We use your information to: Provide and improve our services; Conduct business transactions; Comply with legal obligations; and, enhance your website experience.
Sharing Your Information
Your information is shared:
– As necessary to perform transactions and provide services.
– With consent, or as disclosed at the time of collection.
– With service providers who support our business operations under confidentiality agreements.
– When required by law or to protect the rights and safety of our clients and our business.
We do not sell or share your information with third parties for marketing purposes without your explicit consent.
Data Security
We implement physical, electronic, and procedural safeguards in line with federal laws and regulations to protect your personal information from unauthorized access and use. These include secure storage, firewalls, encryption, and access control measures.
Children’s Privacy
Our Website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.
Changes to Our Privacy Policy
We reserve the right to update or change our Privacy Policy at any time. Changes are effective immediately upon posting to the Website. We encourage periodic review of this policy for the latest information on our privacy practices.
Your Rights and Choices
You have rights regarding the use and access to your personal information. For requests to review, update, or delete personal information, please contact us at the details provided below.
Contact Information
For questions, comments, or requests regarding this Privacy Policy, please contact us at:
Compliance: [email protected]
Website Security Policy of Sentinel Stone Financial LLC
Introduction
At Sentinel Stone Financial LLC (“Sentinel Stone,” “we,” “us”), securing the personal and financial information of our users and clients is a top priority. This Security Policy outlines the steps we take to ensure that information collected through our website www.sentinel-stone.com is protected against unauthorized access, disclosure, alteration, or destruction.
Our Commitment to Security
We are committed to implementing robust physical, electronic, and administrative safeguards designed to secure the information we collect online and ensure its confidentiality, integrity, and availability.
Security Measures
– Data Encryption: Our website uses industry-standard encryption technologies to protect data transmitted between your device and our website.
– Access Control: Access to personal information is strictly limited to authorized personnel who have a legitimate business need for that information. We enforce strict password protocols and two-factor authentication where applicable.
– Secure Hosting: Our website is hosted on secure servers, employing advanced security measures to prevent unauthorized access.
– Regular Audits: We conduct regular security assessments and audits to identify and mitigate potential vulnerabilities within our website and internal systems.
– Employee Training: All employees receive training on best practices for information security and privacy protection.
Data Breach Response
In the unlikely event of a data breach, we will take immediate steps to mitigate the breach’s impact and will notify affected individuals and relevant authorities in accordance with applicable laws and regulations.
Updates to Our Security Policy
We may update this Security Policy periodically to reflect changes in our security practices or relevant legal requirements. We encourage you to review this policy regularly.
Contact Us
If you have questions or concerns about our security practices, please contact us at [email protected].
Disclaimer
The material on this website is for the general information of our clients and visitors. This website does not constitute an offer to sell or a solicitation of an offer to buy or sell any security or investment product, and may not be relied upon in connection with any offer or sale of securities. Nothing on this website is a recommendation that you purchase, sell or hold any security, or that you pursue any investment style or strategy. Nothing on this website is intended to be, and you should not consider anything on the website to be, investment, accounting, tax or legal advice.
Customer Identification Program
To help the government fight the funding of terrorism and money-laundering activities, and to verify your identity, federal law may require Sentinel Stone Financial LLC (“Sentinel”) to obtain your name, date of birth, address and a government-issued identification number before opening your account. If you are acting on behalf of a corporate entity, we may be required to obtain your name and title, and the corporation’s address and government-issued identification number. In certain circumstances, Sentinel may obtain and verify this information with respect to any person(s) authorized to effect transactions in an account. Your account may be restricted and/or closed if Sentinel cannot verify this information. Sentinel will not be responsible for any losses or damages (including but not limited to lost opportunities) resulting from any failure to provide this information, or from any restriction placed upon, or closing of, your account.
Conflicts of Interest
Sentinel and its affiliates may from time to time engage in activities that are in conflict with their customers. The employees and members of Sentinel, its contract consultants, and its affiliates are bound to the customer’s best interests and are required to notify Sentinel of any possible or potential conflict of interest which may result from their other activities, and may commence such other activities only after the prior, written approval of Sentinel, which may not be unreasonably withheld.
Risk
Important: all lending and investing is risky, and no investor should decide to commit funds without first consulting with a competent professional adviser. The past performance of any investment, investment strategy or investment style is not indicative of future performance. Future results may vary, and are not guaranteed. The value of investments and their income may increase or decrease, and a loss of principal – including all principal – may occur.
Business Continuity Plan of Sentinel Stone Financial LLC
Sentinel Stone Financial LLC (“Sentinel Stone”) has established a Business Continuity Plan (BCP) detailing our response to events that significantly disrupt our operations. Given the unpredictable nature of disruptions and disasters, we emphasize flexibility and prompt response to ensure the continuity of our services.
Contacting Us
Should there be a significant business disruption and you cannot reach us through normal communication channels, please visit our website at www.sentinel-stone.com for updates and further instructions.
Our Business Continuity Plan
Our BCP aims to swiftly recover and resume operations post-disruption, prioritizing the safety of our employees, safeguarding our assets, conducting financial and operational assessments, securing our records, and enabling customer transactions. Key aspects include:
– Data Backup and Recovery: Ensuring all mission-critical systems and data are backed up and can be restored rapidly.
– Operational Assessment: Quickly evaluating the financial and operational impact of the disruption.
– Communication: Establishing alternative means to communicate with customers, employees, and regulators.
– Employee Relocation: Identifying alternative work locations for employees if our primary offices are unavailable.
– Critical Suppliers and Partners: Assessing the impact on critical suppliers, contractors, banks, and counterparties and establishing contingencies.
– Regulatory Compliance: Maintaining compliance with regulatory reporting and obligations.
– Customer Access: Ensuring customers have access to their funds if we are unable to continue operations.
Addressing Varying Disruptions
Disruptions can vary in scope—from affecting only our firm to impacting an entire region. Our response will be scaled accordingly:
– Local Disruptions: For disruptions affecting our office(s) directly, we will relocate operations to a predefined local site and aim to resume business within 6-12 hours.
– Wider Disruptions: In case of a broader disruption (city-wide or regional), we will move operations to a predetermined remote site outside the affected area, aiming to resume business within 24 hours.
In extreme cases preventing us from continuing business, we are committed to ensuring our customers’ prompt access to their funds.
For More Information
For questions about our BCP or to receive a written copy, please contact us at [email protected].
By submitting your loan application on Sentinel’s website, each of the undersigned specifically represents to Sentinel Stone Financial LLC (“Lender”) and to Lender’s actual or potential agents, brokers, processors, attorneys, insurers, servicers, successors and assigns and agrees and acknowledges that: (1) the information provided in this application is true and correct as of the date set forth below and that any intentional or negligent misrepresentation of this information contained in this application may result in civil liability, including monetary damages, to any person who may suffer any loss due to reliance upon any misrepresentation that I have made on this application, and/or in criminal penalties; (2) the loan requested pursuant to this application (the “Loan”) will be secured by a mortgage or deed of trust on the property(ies) described in this application; (3) the property(ies) will not be used for any illegal or prohibited purpose or use; (4) all statements made in this application are made for the purpose of obtaining a non-owner occupied business purpose mortgage loan; (5) the Lender, its servicers, successors or assigns may retain the original and/or an electronic record of this application, whether or not the Loan is approved; (6) the Lender and its agents, brokers, insurers, servicers, successors and assigns may continuously rely on the information contained in the application, and I am obligated to amend and/or supplement the information provided in this application if any of the material facts that I have represented herein should change prior to closing of the Loan; (7) in the event that my payments on the Loan become delinquent, the Lender, its servicers, successors or assigns may, in addition to any other rights and remedies that it may have relating to such delinquency, report my name and account information to one or more consumer reporting agencies; (8) ownership of the Loan and/or administration of the Loan account may be transferred with such notice as may be required by law; and (9) my transmission of this application as an “electronic record” containing my ” electronic signature,” as those terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or my facsimile transmission of this application containing a facsimile of my signature, shall be as effective, enforceable and valid as if a paper version of this application were delivered containing my original written signature.
Sentinel Stone Financial serves as a veteran owned and managed Merchant Bank, focused on Real Estate and Business Credit. Securities offered through Pinnacle Capital Securities, LLC, Broker-Dealer, Member, FINRA/SIPC. Advisory Services offered through Pinnacle Capital Advisors, LLC, a Registered Investment Advisor and CFTC registered, NFA member CTA.
