Users of this website should not act upon the information presented without individual professional consultation.

BY SIGNING ON AND USING THIS WEBSITE, YOU SPECIFICALLY AGREE TO EACH OF THE PROVISIONS OF THE FOLLOWING AGREEMENT.

Downloading
You may download textual material from this Website for your own personal, non-commercial use only, provided you do not modify the materials and keep intact all copyright and other proprietary notices. You may not further distribute or display such materials for any purpose.

External Links
This Website may contain links to other websites. Curtis Financial Group is not responsible for the availability of these external websites nor does it endorse or is it responsible for any of the contents, advertising, products or other materials on such external websites. Under no circumstances shall Curtis Financial Group be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods or services available on any such external website. Any concerns regarding any external link should be directed to the respective website, rather than to Curtis Financial Group. By including a link to an external site in the Website, Curtis Financial Group does not expressly state or imply that it has authorization from the owner of such site to link to it. Should you visit an external site from a link found on the Website, you do so at your own discretion and at your own risk.

Disclaimer of Warranties
THIS WEBSITE AND THE INFORMATION IS PROVIDED ON AN "AS IS" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, CURTIS FINANCIAL GROUP DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE, NONINFRINGEMENT, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CURTIS FINANCIAL GROUP DOES NOT WARRANT THAT THE INFORMATION IS COMPLETE OR ACCURATE, THAT USE OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY INFORMATION IS FREE OF DISABLING DEVICES (AS HEREINAFTER DEFINED). A "Disabling Device" is defined as any software, document, message or other material which contains a computer virus, worm, trojan horse, timebomb or other device which may erase, scramble, lock or disable computer software or equipment or may prevent users from using a website or any other item of hardware or software.

Limitation of Damages
UNDER NO CIRCUMSTANCES SHALL CURTIS FINANCIAL GROUP BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT MAY RESULT FROM THE USE OR INABILITY TO USE THIS WEBSITE OR THE INFORMATION, INCLUDING WITHOUT LIMITATION, USE OF OR RELIANCE ON THE INFORMATION, INTERRUPTIONS, ERRORS, DEFECTS, MISTAKES, OMISSIONS, DELETION OF FILES, DISABLING DEVICES, DELAYS IN OPERATION OR TRANSMISSION, NONDELIVERY OF INFORMATION, DISCLOSURE OF COMMUNICATIONS, OR ANY OTHER FAILURE OF PERFORMANCE. USERS OF THIS WEBSITE SHOULD NOT ACT UPON THE INFORMATION PRESENTED WITHOUT INDIVIDUAL PROFESSIONAL CONSULTATION.

Third Party Content and Trademarks
Curtis Financial Group may distribute content supplied by third parties on the Website. Any opinions, advice, statement, services, offers, or other information or content expressed or made available by third parties, including information providers or any other user of the Website, are those of the respective author(s) or distributor(s) and not of Curtis Financial Group. Other product and company names mentioned herein may be the trademarks of their respective owners.

Permitted Materials
You may use the area of this site which invites your comments for lawful purposes only. You may not post or transmit material which violates or infringes in any way upon any copyrights, trademarks, or intellectual property rights of another, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, pornographic, profane, indecent, or otherwise objectionable, which encourages criminal conduct, or which gives rise to civil liability of any party or otherwise violates any law. Curtis Financial Group reserves the right, however, to delete, move or edit messages for any reason, and you shall remain solely responsible for the content of such messages.

General
Curtis Financial Group shall have the right at any time to change or discontinue any aspect or feature of the Website, including, but not limited to, content, hours of availability and equipment and/or software required for access or use of the Website or any portion of the Website. Curtis Financial Group may also change the terms and conditions set forth in this Agreement and any subsequent use of the Website by you constitutes your agreement to such changed terms and conditions.

Termination
Either you or Curtis Financial Group may terminate this Agreement at any time. You may terminate this agreement at any time by destroying all materials obtained from the Website and all related documentation and copies thereof. This agreement will terminate immediately without notice from Curtis Financial Group if in Curtis Financial Group's sole discretion you fail to comply with any term or provision of this agreement.

About Curtis Securities, LLC
Curtis Securities, LLC is a broker-dealer registered with the United States Securities and Exchange Commission (SEC) and is a member of both the Financial Industry Regulatory Authority (FINRA)(www.finra.org) and Securities Investor Protection Corporation (SIPC). Curtis Securities, LLC's web site is limited to the dissemination of general information pertaining to its broker-dealer products and services. Accordingly, the publication of the Curtis Securities, LLC web site on the Internet should not be construed by any consumer and or prospective client as Curtis Securities, LLC's solicitation to effect or attempt to effect transactions in securities over the Internet. Any subsequent, direct communication by Curtis Securities, LLC with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status and or disciplinary history of Curtis Securities, LLC or any of its representatives, please contact the SEC, FINRA (www.finra.org) and or the state securities law administrator for those states in which Curtis Securities, LLC maintains a registration. Curtis Securities, LLC does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Curtis Securities, LLC's web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly. The principal office of Curtis Securities, LLC is located at One Liberty Place, 1650 Market Street, Suite 4400, Philadelphia, PA 19103.

CURTIS SECURITIES, LLC
BUSINESS CONTINUITY PLANNING DISCLOSURE STATEMENT

Pursuant to FINRA Rule 3510(e), Curtis Securities, LLC has developed a Business Continuity Plan describing how we will respond to events that significantly disrupt our business.  Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur.  With that in mind, we are providing you with this information regarding our business plan. 

If after a significant business disruption you cannot contact us at our Philadelphia office (O) 215-972-2375, you should call Tom Franchetti at 570-820-0100 who will be able to provide you with current contact information for Curtis Securities employees.

We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to conduct routine business.  In short, our business continuity plan is designed to permit our firm to resume operations as quickly as possible, given the scope and severity of the significant business disruption.

Our business continuity plan addresses: data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their accounts and records if we are unable to continue our business.

Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region.  Within each of these areas, the severity of the disruption can also vary from minimal to severe.  In a disruption to only our firm or building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within two to four hours.  In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and recover and resume business by the next business day.  In either situation, we plan to continue in business, transfer operations to our affiliate if necessary, and notify you through our web site www.curtisfinancial.com or our customer emergency number 570-820-0100 as to how to contact us.  If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their records.

Pursuant to Regulation S-P adopted by the Securities and Exchange Commission, it is the policy of Curtis Securities to keep confidential nonpublic personal information (“information”) pertaining to each current and former client unless Curtis Securities is:  (1) previously authorized by the client to disclose information to individuals and/or entities not affiliated with Curtis Securities, including, but not limited to the client’s other professional advisors and/or service providers; (2) required to do so by judicial or regulatory process; (3) otherwise permitted to do so in accordance with the parameters of Regulation S-P.  Each individual and/or entity affiliated with Curtis Securities is aware of Curtis Securities’ Privacy Policy, and has acknowledged his/her/its requirement to comply with same.  In accordance with Curtis Securities’ Privacy Policy, each such affiliated individual and/or entity shall have access to information to the extent reasonably necessary for Curtis Securities to perform its services for the client, and to comply with applicable regulatory procedures and requirements.

Should you have any questions regarding the above, please contact Kevin J. Rudd, President of Curtis Securities, LLC at (215) 972-2351.  Information about SIPC (including the SPIC brochure) can be obtained by contacting SPIC by phone (202.371.8300) or by going to the SIPC website (www.sipc.org).