Terms of Use | Stella Nova

Updated Jan 1, 2023 –

Please read the following Terms of Use for Stella Nova (“Terms of Use”) before using the Service. When you access and use the Service through our Site, you are agreeing to be bound by these Terms of Use.

The Terms of Use may be updated by us from time to time. Please review them carefully.

Use of the Service

For the purposes of these Terms of Use, a “User” is an individual who uses our Site to evaluate our services or for personal educational purposes, and a “Client” is an individual who signs the Stella Nova Service Agreement (the “Advisor Agreement”) that entitles the Client to have his or her account(s) managed by STELLA NOVA. The User portions of the Site (i.e., the sections of the Site that individuals who are not a party to the Advisor Agreement may access) are provided for educational purposes only and are not intended to provide legal, tax, or financial planning advice. As a User, you agree that you are responsible for your own investment research and decisions, that you will not rely on the Service as the primary basis for your investment decisions, and, except as otherwise provided herein, STELLA NOVA will not be liable for any actions you take based on information you receive via the Service. You will use the Service solely for your personal, informational, and noncommercial use.

Feedback

During your participation in the Service, you may be asked to provide our firm with feedback on the Site’s features and functionality, and to report any flaws, errors, or issues discovered in the Site or Materials (defined herein) provided through the Site, on an entirely voluntary basis by contacting us on the Site or other contact information provided on the Site. Any suggestions, feedback, ideas, recommendations, or improvements you offer to us through your participation in the Service or otherwise in connection with the Site (“Feedback”) are submitted to STELLA NOVA without any restrictions of confidentiality. You hereby assign to STELLA NOVA all right, title, and interest in and to the Feedback, and agree to perform all acts reasonably requested by STELLA NOVA to perfect and enforce such rights. Any and all Feedback shall be considered the confidential information of STELLA NOVA.

By accessing the Site or using the Service, you represent and warrant that you are age 18 or older. Any access to or use of the Site and Service by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use.

The Service is only intended for use by persons located in the United States. We make no representations that the Service is appropriate or available for use outside the United States or that accessing the Site from locations outside the United States is legal or permissible under applicable local law.

You agree that STELLA NOVA may provide alerts and notifications of our products and services to you via electronic transmission, including via any email address or mobile number you provide to us. Further, you consent to the transmission of information that you may consider to be personal financial information or promotional and marketing materials.

Your access to the Site and use of the Service is offered to you free of charge. However, STELLA NOVA may offer you investment advisory services for a fee.

Access

In order to access the Site and use the Service and any related offerings, you must register to create an account (“User Account”) through the Service.

STELLA NOVA reserves the right, in its sole discretion, to deny you access to the Service, or any portion of the Service, without notice and without reason. Furthermore, STELLA NOVA may modify, suspend, discontinue, or restrict the use and availability of any portion of the Service at any time, without notice or liability to you. Your use of the Service may be monitored by STELLA NOVA and used for the firm’s internal business purposes. For the avoidance of doubt, your access to and use of the Service shall be governed by these Terms of Use, and the provision of any investment advisory services shall be governed by the relevant Advisor Agreement with respect to such services. Notwithstanding the foregoing or anything else in these Terms of Use to the contrary, in the event of any conflict between the Terms of Use and an applicable Advisor Agreement, the Advisor Agreement shall control.

User Obligations

STELLA NOVA grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and noncommercial use or as expressly authorized by STELLA NOVA in writing. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. STELLA NOVA reserves all rights not expressly granted in these Terms of Use. Except as otherwise stated in these Terms of Use or as expressly authorized by STELLA NOVA in writing, you may not (or enable others to):

Modify, copy, screen capture, distribute, forward, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, “Materials”);
Redeliver any page, text, image, or Materials on this Site using “framing” or other technology;
Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by STELLA NOVA;
Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site;
Modify, copy, obscure, remove, or display STELLA NOVA’s name, logo, trademarks, text, notices, or images without STELLA NOVA’s express written permission. To obtain such permission, you may e-mail us at contact@teamgoldenstate.com; or
Include the term “STELLA NOVA”, “Stella Nova”, “Golden State”, or any Golden State trademark or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by Golden State.

In addition, you agree you will not (or will not enable others to):

Engage in any conduct that could damage, disable, or overburden (i) the Service, (ii) any materials or services provided through the Service, or (iii) any systems, networks, servers, or accounts related to the Service;
Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software or applications used to provide this Service;
Monitor the Service’s availability, performance or functionality for any competitive purposes;
Copy or use the information, content or data of the Service in connection with a competitive service;
Intentionally or unintentionally violate these Terms of Use or any applicable law, regulation, or ordinance; or
Use this Service or content thereon in any manner not permitted by these Terms of Use.

You agree you will:

Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
Provide accurate information to Golden State, whether reported directly or through a third party who you authorize, and keep it updated;
Provide accurate and complete information about yourself for your profile; and
Access and use the Service in a professional manner.

Termination

STELLA NOVA, in its sole discretion, reserves the right to temporarily or permanently terminate your access to the Site and use of the Service at any time and for any reason whatsoever, without notice or liability to you. Further, if STELLA NOVA believes that a violation of the Terms of Use has occurred, we may take any other corrective action our firm deems appropriate. STELLA NOVA will only continue to retain User and Client information as the firm is required by applicable law, rules or regulations.

Service and Terms of Use Subject to Change

STELLA NOVA reserves the right to change, modify, or discontinue any features of the Service or these Terms of Use, and any such modifications will be effective immediately upon posting to the Service. Please periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, you must stop using the Service. By continuing to access the Site and use the Service without objecting to any modifications, you agree to accept all Terms of Use.

Your Data

Your use of the Service is subject to the Golden State Asset Management Privacy Policy, which describes how STELLA NOVA and our affiliates gathers, uses, discloses, and manages your personal information.

Third-Party Data

Data and other materials presented in the Service that are provided by third parties are believed by STELLA NOVA to be obtained from reliable sources, but we cannot guarantee and is not responsible for their accuracy, timeliness, completeness, or suitability for use. STELLA NOVA assumes no and has no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personal settings by a third party.

Service Communications

By creating a User Account to access the Site and use the Service, you consent to receive all notices, alerts, and information regarding the Service (“Service Communications”) via email, website, and mobile notifications. When logged in, you may customize, modify and in some cases deactivate certain Service Communications by adjusting your settings accordingly. You may unsubscribe from emails marketing new products or services at any time. Service Communications may be posted on your Service dashboard and/or delivered to your email address or mobile number associated with your User Account.

It is your responsibility to maintain and update promptly any changes to your email addresses, mobile contact numbers, and other information. STELLA NOVA never includes your password in these Service Communications, but STELLA NOVA may include your name and/or email address and information about your account if you are a Client.

STELLA NOVA reserves the right to terminate or change the terms and conditions on which we provide electronic communications and will provide you with notice in accordance with applicable law.

You consent to allow authorized employees or agents of STELLA NOVA to monitor, record and, if required, archive all emails, text messages, and other communications with STELLA NOVA for quality control, customer service, employee training, security, legal, compliance, and other lawful purposes. That consent is ongoing and need not be confirmed prior to, or during, such monitoring or recording, except to the extent applicable law expressly requires otherwise.

Welcome to Stella Nova, a digitally automated portfolio management service (“Service”). Stella Nova provides you access to a risk-based discretionary portfolio management service offered through GSAM, a federally registered investment adviser. This Site and the Service are owned and operated by Golden State Asset Management, LLC (“GSAM”).
Please read the following Terms of Use for Stella Nova (“Terms of Use”) before using the Service. When you access and use the Service through our Site, you are agreeing to be bound by these Terms of Use.
The Terms of Use may be updated by us from time to time. Please review them carefully.
Use of the Service
For the purposes of these Terms of Use, a “User” is an individual who uses our Site to evaluate our services or for personal educational purposes, and a “Client” is an individual who signs the Stella Nova Service Agreement (the “Advisor Agreement”) that entitles the Client to have his or her account(s) managed by STELLA NOVA. The User portions of the Site (i.e., the sections of the Site that individuals who are not a party to the Advisor Agreement may access) are provided for educational purposes only and are not intended to provide legal, tax, or financial planning advice. As a User, you agree that you are responsible for your own investment research and decisions, that you will not rely on the Service as the primary basis for your investment decisions, and, except as otherwise provided herein, STELLA NOVA will not be liable for any actions you take based on information you receive via the Service. You will use the Service solely for your personal, informational, and noncommercial use.
Feedback
During your participation in the Service, you may be asked to provide our firm with feedback on the Site’s features and functionality, and to report any flaws, errors, or issues discovered in the Site or Materials (defined herein) provided through the Site, on an entirely voluntary basis by contacting us on the Site or other contact information provided on the Site. Any suggestions, feedback, ideas, recommendations, or improvements you offer to us through your participation in the Service or otherwise in connection with the Site (“Feedback”) are submitted to STELLA NOVA without any restrictions of confidentiality. You hereby assign to STELLA NOVA all right, title, and interest in and to the Feedback, and agree to perform all acts reasonably requested by STELLA NOVA to perfect and enforce such rights. Any and all Feedback shall be considered the confidential information of STELLA NOVA.
By accessing the Site or using the Service, you represent and warrant that you are age 18 or older. Any access to or use of the Site and Service by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use.
The Service is only intended for use by persons located in the United States. We make no representations that the Service is appropriate or available for use outside the United States or that accessing the Site from locations outside the United States is legal or permissible under applicable local law.
You agree that STELLA NOVA may provide alerts and notifications of our products and services to you via electronic transmission, including via any email address or mobile number you provide to us. Further, you consent to the transmission of information that you may consider to be personal financial information or promotional and marketing materials.
Your access to the Site and use of the Service is offered to you free of charge. However, STELLA NOVA may offer you investment advisory services for a fee.
Access
In order to access the Site and use the Service and any related offerings, you must register to create an account (“User Account”) through the Service.
STELLA NOVA reserves the right, in its sole discretion, to deny you access to the Service, or any portion of the Service, without notice and without reason. Furthermore, STELLA NOVA may modify, suspend, discontinue, or restrict the use and availability of any portion of the Service at any time, without notice or liability to you. Your use of the Service may be monitored by STELLA NOVA and used for the firm’s internal business purposes. For the avoidance of doubt, your access to and use of the Service shall be governed by these Terms of Use, and the provision of any investment advisory services shall be governed by the relevant Advisor Agreement with respect to such services. Notwithstanding the foregoing or anything else in these Terms of Use to the contrary, in the event of any conflict between the Terms of Use and an applicable Advisor Agreement, the Advisor Agreement shall control.
User Obligations
STELLA NOVA grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and noncommercial use or as expressly authorized by STELLA NOVA in writing. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. STELLA NOVA reserves all rights not expressly granted in these Terms of Use. Except as otherwise stated in these Terms of Use or as expressly authorized by STELLA NOVA in writing, you may not (or enable others to):
• Modify, copy, screen capture, distribute, forward, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, “Materials”);
• Redeliver any page, text, image, or Materials on this Site using “framing” or other technology;
• Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by STELLA NOVA;
• Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site;
• Modify, copy, obscure, remove, or display STELLA NOVA’s name, logo, trademarks, text, notices, or images without STELLA NOVA’s express written permission. To obtain such permission, you may e-mail us at contact@teamgoldenstate.com; or
• Include the term “STELLA NOVA”, “Stella Nova”, “Golden State”, or any Golden State trademark or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by Golden State.
In addition, you agree you will not (or will not enable others to):
• Engage in any conduct that could damage, disable, or overburden (i) the Service, (ii) any materials or services provided through the Service, or (iii) any systems, networks, servers, or accounts related to the Service;
• Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software or applications used to provide this Service;
• Monitor the Service’s availability, performance or functionality for any competitive purposes;
• Copy or use the information, content or data of the Service in connection with a competitive service;
• Intentionally or unintentionally violate these Terms of Use or any applicable law, regulation, or ordinance; or
• Use this Service or content thereon in any manner not permitted by these Terms of Use.
You agree you will:
• Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
• Provide accurate information to Golden State, whether reported directly or through a third party who you authorize, and keep it updated;
• Provide accurate and complete information about yourself for your profile; and
• Access and use the Service in a professional manner.

Termination
STELLA NOVA, in its sole discretion, reserves the right to temporarily or permanently terminate your access to the Site and use of the Service at any time and for any reason whatsoever, without notice or liability to you. Further, if STELLA NOVA believes that a violation of the Terms of Use has occurred, we may take any other corrective action our firm deems appropriate. STELLA NOVA will only continue to retain User and Client information as the firm is required by applicable law, rules or regulations.
Service and Terms of Use Subject to Change
STELLA NOVA reserves the right to change, modify, or discontinue any features of the Service or these Terms of Use, and any such modifications will be effective immediately upon posting to the Service. Please periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, you must stop using the Service. By continuing to access the Site and use the Service without objecting to any modifications, you agree to accept all Terms of Use.
Your Data
Your use of the Service is subject to the Golden State Asset Management Privacy Policy, which describes how STELLA NOVA and our affiliates gathers, uses, discloses, and manages your personal information.
Third-Party Data
Data and other materials presented in the Service that are provided by third parties are believed by STELLA NOVA to be obtained from reliable sources, but we cannot guarantee and is not responsible for their accuracy, timeliness, completeness, or suitability for use. STELLA NOVA assumes no and has no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personal settings by a third party.
Service Communications
By creating a User Account to access the Site and use the Service, you consent to receive all notices, alerts, and information regarding the Service (“Service Communications”) via email, website, and mobile notifications. When logged in, you may customize, modify and in some cases deactivate certain Service Communications by adjusting your settings accordingly. You may unsubscribe from emails marketing new products or services at any time. Service Communications may be posted on your Service dashboard and/or delivered to your email address or mobile number associated with your User Account.
It is your responsibility to maintain and update promptly any changes to your email addresses, mobile contact numbers, and other information. STELLA NOVA never includes your password in these Service Communications, but STELLA NOVA may include your name and/or email address and information about your account if you are a Client.
STELLA NOVA reserves the right to terminate or change the terms and conditions on which we provide electronic communications and will provide you with notice in accordance with applicable law.
You consent to allow authorized employees or agents of STELLA NOVA to monitor, record and, if required, archive all emails, text messages, and other communications with STELLA NOVA for quality control, customer service, employee training, security, legal, compliance, and other lawful purposes. That consent is ongoing and need not be confirmed prior to, or during, such monitoring or recording, except to the extent applicable law expressly requires otherwise.