Terms of Use & Disclosures
Please read these Terms of Use and Disclosures (these “Terms”) carefully. They govern your access to and use of Intrua.com and any webpages, content, tools or forms made available through it (collectively, the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
In these Term,’Intrua,’ ‘we,’ ‘us’ and ‘our’ refer to Intrua Financial, LLC and, where the context requires, the applicable affiliated entity identified below. Intrua Financial, LLC is an affiliate of Larson Financial Holdings, LLC. Each affiliated company is a separate legal entity, and the particular company providing a product or service is responsible for that product or service.
1. General Information Only
The Site is provided for general informational and educational purposes. Site content is not personalized investment, financial, tax, accounting, legal, insurance, regulatory or compliance advice. It does not take into account any person’s objectives, financial circumstances or needs. You should consult appropriately qualified professionals before acting on any information presented on the Site.
Using the Site, requesting information, subscribing to content or submitting a form does not create an advisory, brokerage, accountant-client, attorney-client, insurance, fiduciary or other professional relationship. Any professional relationship arises only under a written agreement with the applicable Intrua or affiliated entity.
2. No Offer, Solicitation or Recommendation
Nothing on the Site is an offer to sell, a solicitation of an offer to buy, or a recommendation to buy, sell or hold any security, investment product or financial instrument. Nothing on the Site is an offer to extend credit or enter into any other transaction. Any offer may be made only through the applicable definitive agreements, prospectus, private placement memorandum, subscription documents or other official offering materials, and only in jurisdictions where the offer is lawful.
Information about an investment opportunity is preliminary, may be incomplete and is qualified in its entirety by the applicable offering materials. Eligibility standards, investor verification requirements, availability and terms vary by offering. No person should rely on the Site as the sole basis for an investment decision.
3. Intrua Financial-Services Relationships
Services described on the Site are offered through separately organized and regulated entities, as applicable:
- Investment advisory services are offered through Intrua Financial, LLC, an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a particular level of skill or training.
- Certain Intrua investment adviser representatives are also registered representatives of LPL Financial, LLC, a registered broker-dealer and member of FINRA and SIPC. Brokerage services and securities transactions offered through those representatives are conducted through LPL Financial, LLC, as applicable.
- Tax, insurance and other services may be provided through affiliated or unaffiliated entities or appropriately licensed persons, as applicable. Those services are separate from Intrua’s investment advisory services.
Intrua and its affiliated entities may be under common ownership or otherwise affiliated. These relationships can create financial incentives and other conflicts of interest. Material conflicts, fees, compensation and standards of conduct are described in the applicable Form CRS, Form ADV brochure, account agreement, product disclosure or other governng document.
4. Investment and Market Risk
All investing involves risk, including possible loss of principal. Past performance does not guarantee future results. No investment strategy, allocation, projection, target, estimate, forecast or other forward-looking statement can assure a profit or protect against loss. Market, economic, regulatory, tax and other conditions may change, and actual results may differ materially from any expectation shown.
Any hypothetical, projected, targeted, back-tested or model performance is subject to assumptions, limitations and risks; does not represent the performance of an actual account unless expressly stated; and should not be understood as a promise or guarantee. The methodology, assumptions, fees, expenses and other information needed to evaluate a presentation will be provided with that presentation where required.
5. Private and Alternative Investments
Private placements, private funds, real estate investments and other alternative investments are speculative and involve substantial risk. They may be illiquid, require a long holding period, use leverage, involve complex tax consequences, charge higher fees and expenses, provide limited information, and be subject to less regulation than registered investment companies. Investors must be able to bear the risk of losing their entire investment and should not invest without reviewing all offering materials and consulting their own investment, tax, financial and legal advisers.
Real estate investments are subject to risks including changes in property values, occupancy, rents, operating costs, interest rates, financing availability, capitalization rates, environmental conditions, casualty events, local economic conditions and laws. Targeted cash yield, internal rate of return, equity multiple, distribution rate, investment period and similar metrics are estimates based on assumptions that may not be realized.
Private investments are not bank deposits, are not insured by the FDIC or any other government agency, are not guaranteed by Intrua or any other person, and may lose value. SEC or state registration, filing or qualification does not mean that any regulator has approved or endorsed an investment or passed on the accuracy or completeness of offering information.
6. Brokerage Services and Regulation Best Interest
When LPL Financial, LLC or an Intrua-associated registered representative acting in a brokerage capacity makes a recommendation to a retail customer, applicable brokerage standards—including Regulation Best Interest—apply. Brokerage products, account features, fees, commissions, third-party payments, conflicts, risks and limitations differ by product and sponsor. Review the applicable Form CRS, account agreement, prospectus, offering document and product-specific disclosure before investing.
SIPC protection is limited and does not protect against market loss. For information about SIPC protection, visit SIPC.org.
7. Accuracy; No Duty to Update
We use reasonable efforts to present information we believe to be reliable when posted. We do not warrant that Site content is accurate, complete, current, error-free or suitable for any particular purpose. Content may become outdated and may be changed, corrected or removed without notice. Unless required by law, we undertake no duty to update the Site or any forward-looking statement.
Market data, quotations, research, articles and other information may come from third parties. We have not necessarily independently verified that information and are not responsible for errors, delays or omissions in it.
8. Testimonials, Endorsements, Ratings and Awards
Any testimonial or endorsement reflects the experience and opinion of the person providing it and may not represent the experience of every client. It is not a guarantee of future performance or success. If compensation or another material benefit was provided, or if another material conflict exists, the applicable disclosure will accompany the testimonial or endorsement. Ratings and awards may use criteria established by third parties, may not be representative of every client’s experience, and do not constitute an endorsement by a regulator. Refer to the disclosure presented with the applicable item for its methodology, date, population and compensation information.
If you voluntarily provide ideas or feedback about the Site, Intrua may use them without restriction or compensation, provided this provision does not authorize use or disclosure of personal information contrary to the Privacy Policy or applicable law.
These general disclosures do not replace any disclosures required to be presented with, or in close proximity to, a particular testimonial, endorsement, rating or award.
9. Third-Party Sites, Tools and Content
The Site may link to or display content, tools or services maintained by third parties. Links are provided for convenience and do not necessarily constitute approval, sponsorship or endorsement. We do not control third-party sites and are not responsible for their availability, security, privacy practices, terms, products, services or content. Your use of a third-party resource is at your own risk and subject to that third party’s terms.
10. Site Forms and Electronic Communications
Information submitted through the Site must be accurate and must not violate another person’s rights. Do not use a general website form to transmit trade instructions, time-sensitive requests, account credentials or information you are not authorized to provide. We do not accept orders to buy or sell securities through the Site, email, voicemail, text message or social media unless an authorized Intrua or applicable brokerage representative expressly confirms an approved method.
Electronic communications may not be secure or timely. A form submission or email is not received until an authorized recipient actually receives and acknowledges it. Consent to receive marketing calls or text messages is governed by the specific consent presented at the point of collection; submitting a general form does not itself create consent beyond the language displayed with that form.
11. Privacy and Security
Our collection, use and disclosure of personal information is described in our Privacy Policy and any other privacy notice provided to you. No method of transmission or storage is completely secure. You are responsible for safeguarding your devices, credentials and account access and for notifying the applicable Intrua entity promptly of suspected unauthorized activity.
12.Permitted Use and Intellectual Property
The Site and its content—including text, graphics, logos, designs, software, audio and video—are owned by or licensed to Intrua and are protected by intellectual-property laws. Subject to these Terms, Intrua grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Site for lawful personal or internal business purposes.
You may not copy, modify, publish, distribute, sell, license, reverse engineer, scrape, frame, mirror, interfere with or commercially exploit the Site or its content except with our prior written permission or as permitted by law. You may not attempt unauthorized access, introduce malicious code, use automated means that burden the Site, impersonate another person, or use the Site for unlawful, fraudulent or misleading activity. Intrua may suspend, restrict, or terminate access to any portion of the Site, with or without notice, when Intrua reasonably believes the user has violated these Terms, created security or legal risk, interfered with Site operation, or engaged in fraudulent, abusive, or unlawful conduct.
13. Availability and Disclaimer of Warranties
The Site is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Intrua disclaims all express and implied warranties relating to the Site, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, availability and security. We do not warrant that the Site will be uninterrupted, error-free, free of harmful components or compatible with every device or system.
14. Limitation of Liability
To the fullest extent permitted by law, Intrua and its affiliates, owners, directors, officers, employees, representatives, licensors and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenues, data, business opportunities or goodwill, arising out of or relating to the Site or your use of or inability to use it, even if advised that such damages were possible.
Nothing in these Terms excludes or limits liability, duties or rights that cannot lawfully be excluded or limited, including any non-waivable rights under federal or state securities laws, privacy, consumer-protection, or information –security right or remedy. Any liability arising from a product, service, account or professional relationship is governed by the applicable agreement and law.
15. Geographic and Eligibility Limitations
Nothing in these Terms excludes or limits liability, duties or rights that cannot lawfully be excluded or limited, including any non-waivable rights under federal or state securities laws, privacy, consumer-protection, or information –security right or remedy. Any liability arising from a product, service, account or professional relationship is governed by the applicable agreement and law.
16. Governing Law and Venue
These Terms are governed by applicable U.S. federal law and, to the extent state law applies, the laws of the State of Texas, without regard to conflict-of-laws principles. This provision does not deprive you of any protection that cannot be waived under applicable law. Subject to any non-waivable right or contrary provision in an applicable client, account, product, or offering agreement, any action arising solely from the public Site or these Terms must be brought in the state or federal courts located in Houston, Texas and each party consents to personal jurisdiction there.
17. Changes; Severability; No Waiver
We may revise these Terms by posting an updated version and changing the effective date. Changes apply prospectively when posted unless otherwise stated or required by law. If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. A failure to enforce any provision is not a waiver.
18. Regulatory and Relationship Documents
These Terms are a general website notice. They do not replace the governing documents for a client relationship, brokerage account, investment product or private offering. Please review the documents applicable to you:
- Form CRS / Relationship Summaries — services, fees, conflicts and standards of conduct
- Form ADV Firm Brochures — advisory services, fees, conflicts and disciplinary information
- FINRA BrokerCheck — broker-dealer and representative background information
- SEC Investment Adviser Public Disclosure — investment-adviser background information
- FINRA
- SIPC
19. Contact Us
Questions about these Terms may be directed to:
Intrua Financial, LLC, Attn: Compliance Department • 3737 Buffalo Speedway, Suite 400, Houston, Texas 77098 • (713) 355-9910 • compliance@intrua.com