Melfa Wealth Management, Inc. dba Factor Investing Group (“FIG”) is a Registered Investment Advisor with the U.S. Securities and Exchange Commission (“SEC”). FIG provides investment advisory and related services for clients nationally. FIG will maintain all applicable registrations, notice filings, and licenses as required by the various states in which FIG conducts business, as applicable. FIG renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.
Please read these terms and conditions of use (“Terms”) carefully before using the Website located at https://factorig.com (the “Website”) or any of the information or services provided by FIG in connection with the Website. By using the Website, you acknowledge that you have read and understood these Terms and accept to be legally bound by them. If you do not accept and agree to these Terms, you are not an authorized user of the Website or any of the information or services provided by FIG in connection with the Website and should promptly terminate all use thereof. The terms “you” and “your” mean you and any entity you may represent in connection with the use of the Website. You may use your browser to download or print a copy of these Terms for your records.
FIG reserves the right to change, modify, add or remove portions of these Terms at any time for any reason. We suggest that you review these Terms periodically for changes. Such changes shall be effective immediately upon posting. You acknowledge that by accessing our Website after we have posted changes to these Terms, you are agreeing to these Terms as modified.
These Terms were last updated on January 26, 2022.
Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy will be profitable.
Asset allocation may be used in an effort to manage risk and enhance returns. It does not, however, guarantee a profit or protect against loss. Performance of the asset allocation strategies depends on the underlying investments.
This Website is intended to provide general information about FIG and its services. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.
Market data, articles and other content on this Website are based on generally available information and are believed to be reliable. FIG does not guarantee the accuracy of the information contained in this Website. The information is of a general nature and should not be construed as investment advice.
Please remember that it remains your responsibility to advise FIG, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services.
FIG will provide all prospective clients with a copy of our current Form ADV, Part 2A (“Disclosure Brochure”), Form ADV Part 2B (“Brochure Supplements”) and Form CRS (“Client Relationship Summary“). You may obtain a copy of these disclosures on the SEC Website at http://adviserinfo.sec.gov or you may Contact Us (https://factorig.com/contact) to request a free copy via .pdf or hardcopy.
FIG does not collect personal non-public information through this Website; however, the Advisor may collect information from you on application forms, agreements, profile or investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.
We do not respond to “do not track” requests because we do not track you over time or across third party Websites to provide targeted advertising. We may track you across our Website to help us improve our content.
We may use “cookies” and similar online technologies to keep, and sometimes track, information about you regarding your usage of our Website. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your device. Cookies help us to collect information about your usage of our Website, including date and time of visits, pages viewed, amount of time spent on our sites, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our Website, or if you delete cookies, you may experience some inconvenience in your use of our Website, such as having to re-configure preferences.
FIG often communicates with its clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. FIG makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send FIG private information over email. If you have sensitive data to deliver, we can provide secure means for such delivery.
Please note: FIG does not accept trading or money movement instructions via email.
As a registered investment advisor, FIG emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of FIG or the securities regulators.
If you have received an email from FIG in error, we ask that you contact the sender and destroy the email and its contents.
If you have any questions regarding our email policies, please Contact Us (https://factorig.com/contact).
FIG may utilize third-party Websites, including social media Websites, blogs and other interactive content. FIG considers all interactions with clients, prospective clients and the general public on these sites to be advertisements under the securities regulations. As such, FIG generally retains copies of information that FIG or third-parties may contribute to such sites. This information is subject to review and inspection by the CCO of FIG or the securities regulators.
Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice nor a recommendation of any investment product. Advice may only be provided by FIG’s advisory persons after entering into an advisory agreement and provided FIG with all requested background and account information.
If you have any questions regarding our policies, please Contact Us (https://factorig.com/contact).