1. Acceptance of Terms:

By accessing, browsing, or using the website of Canyon Creek Investment Advisors ("CCIA," "we," "us," or "our") located at canyoncreekinvestment.com (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not use this Site.

2. No Investment Advice / No Attorney-Client Relationship:

The content provided on this Site, including market commentary, blog posts, and financial analysis, is for informational purposes only.

• No Offer: Nothing on this Site constitutes an offer to sell or a solicitation of an offer to buy any securities or investment products.

• Not Advice: This content does not constitute personalized investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions based on information found on this Site.

• No Fiduciary Duty: Your use of this Site does not create an investment advisory relationship or a fiduciary duty between you and CCIA. Such a relationship is only formed upon the execution of a written Investment Advisory Agreement.

3. SEC Marketing Rule & Performance Disclosures:

• General Risk: All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results.

• Testimonials (If Applicable): Any client testimonials or third-party endorsements displayed on this Site reflect the personal experience of that specific individual. They are not a guarantee of future performance or success and may not be representative of the experience of other clients. No compensation was provided for such testimonials unless explicitly stated.

• Performance Data: Any performance data presented is historical. Unless otherwise noted, returns are presented net of fees.

4. Colorado Risk Disclosure (Electronic Communications):

In compliance with Colorado Rule 51-4.12(IA) regarding cybersecurity:

• No Guarantee of Security: While we employ commercially reasonable safeguards (such as encryption and firewalls) to protect your data, no transmission of data over the internet is completely secure. You acknowledge that you provide personal information at your own risk.

• Email Security: Regular email is not a secure method of communication. Please do not send sensitive personal information (e.g., Social Security numbers) via unencrypted email. Please use our secure client portal for such transmissions.

5. Client Account Access (Third-Party Portals):

This Site may provide links to third-party client portals, such as RightCapital or Black Diamond ("Portals").

• Your Responsibility: You are solely responsible for maintaining the confidentiality of your login credentials (username and password). You accept full responsibility for all activities that occur under your account.

• Notification: You agree to notify CCIA immediately of any unauthorized use of your account.

• Liability Limitation: CCIA is not liable for any loss or damage arising from your failure to protect your password or from the operational failure, downtime, or security breach of any third-party Portal provider.

6. User Conduct & Prohibited Uses:

You agree to use the Site only for lawful purposes. You are strictly prohibited from:

• Data Scraping: Using any robot, spider, scraper, or other automated means to access the Site for any purpose, including but not limited to training artificial intelligence (AI) or machine learning models, without our express written permission.

• Security Violations: Attempting to probe, scan, or test the vulnerability of the Site or breach security or authentication measures.

7. Intellectual Property:

All content on this Site (text, graphics, logos, and software) is the property of CCIA or its content suppliers and is protected by United States and international copyright laws. You may view and print individual pages for personal, non-commercial use, but you may not modify, distribute, or reproduce any content without our prior written consent.

8. Third-Party Links:

This Site may contain links to websites operated by third parties. These links are provided for convenience only. CCIA has no control over these sites and is not responsible for their content, privacy policies, or practices. Accessing these sites is at your own risk.

9. Disclaimer of Warranties:

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, CCIA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability:

IN NO EVENT SHALL CCIA, ITS OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THIS SITE OR RELIANCE ON ANY INFORMATION PROVIDED HEREIN.

11. Privacy Policy:

Your use of the Site is also governed by our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand our practices regarding your personal information.

12. Governing Law:

These Terms shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Colorado.

13. Contact Information:

If you have questions regarding these Terms, please contact us at:

Canyon Creek Investment Advisors, Ltd. (Attn: Brian Fraser)
P.O. Box 402, Fruita, CO 81521
(970) 442-3288
brian@canyoncreekinvestment.com