Legal Notices

Please read the following terms and conditions carefully. Use of this website is conditioned upon, and signifies your agreement to, the following terms and conditions listed here and throughout this website. Sica Wealth Management, LLC (“ SWM ”) may amend these terms and conditions. Each use of this site reaffirms your acceptance of the terms and conditions contained within this website at that time of use.

Terms of Use

While we have tried to present timely and accurate information, and have relied on sources we believe to be reliable, technical and factual inaccuracies may occur. SWM does not warrant the accuracy and completeness, either expressly or implied, of the materials presented on this website. Due to the possibility of human, mechanical and electronic errors, as well as many other factors, SWM is not responsible for any errors and omissions in information contained within this site, and the information, products and services available on or through it, are provided “as is,” without warranty of any kind, either express or implied, including without limitation: (a) any warranties concerning availability, accuracy or content; and (b) any warranties of title or warranties of merchantability or fitness for a particular purpose. SWM , nor its affiliates, directors, officers , shareholders, members or employees will be liable or have any responsibility for any loss or damage due to failure or interruption of this site or resulting from an act or omission making data contained within this site unavailable.

This site may provide links to other web sites. Third parties, over whom SWM exercises no control, maintain these web sites. SWM expressly disclaims any responsibility for the content, accuracy of information, and availability of and/or quality of products, services or software provided by or advertised on any third – party web sites. If you leave this site through a hyperlink, or any other means, you do so at your own risk. SWM is not responsible or liable for any content or other materials on or available through such sites or any losses related thereto.

SWM’s web site is limited to the dissemination of general information regarding its investment advisory services to United State s residents residing in states where providing such information is not prohibited by applicable law. Accordingly, the publication of SWM ’s web site on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transact ions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Furthermore, the information resulting from the use of tools or other information on this web site should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice . The information on this site shall not be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offering or solicitation would be unlawful under the securities laws of such jurisdiction. SWM makes no representations or warranties that this site content is applicable to or appropriate for use in locations outside of the United States.

Copyright/Trademark/License

All content, information, products and services available on or through this site are owned, licensed or controlled by SWM or its affiliates. This website is also protected under United States copyright laws. This site is copyright ©2010 SWM. All rights reserved. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos. Without the advance written permission of SWM, you may not sell, copy, publish, “mirror” on any other server, distribute, modify, transfer or reproduce any material contained on this site. Notwithstanding the foregoing, any materials provided by third parties may be subject to additional and/or different terms of use and restrictions that control the use of such materials. Unauthorized use of any material contained on this site may violate copyright laws, trademark laws, trade secret laws, the laws of privacy and publicity, and communications regulations and statutes. Request for consent must be made in writing and should be mailed to Sica Wealth Management, LLC, 67 East Park Place, 1 st Floor, Morristown, NJ, 07962 .

Timeliness of Content and Disclaimers

The information available on this site is reviewed and updated with due diligence on a regular basis, however, information available on this site may become outdated. SWM does not assume any liability or guarantee for the timeliness, accuracy and completeness of the information provided herein. SWM makes reasonable efforts to obtain content for this site from sources it believes to be reliable, but makes no representation or warranty that the information available on this site is correct, accurate, complete or reliable. The information on this site is provided for informational purposes only and i s subject to change without notice. Nothing contained on this site constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or any other decision. Past performance is no guarantee of future results. Certain statements contained herein that indicate future possibilities constitute forward-looking statements. Due to known and unknown risks, other uncertainties and factors, actual results may differ materially from those portrayed in such forward-looking statements. As such, there is no guarantee that the views or opinions expressed herein will come to pass.  The investments and strategies discussed on this site involve the risk of loss and may not be suitable for you and you should consult with your personal tax, legal and investment advisers before making any investment decision. Certain statements contained herein that indicate future possibilities constitute forward looking statements. Due to known and unknown risks, other uncertainties and factors, actual results may differ materially from those portrayed in such forward-looking statements. As such, there is no guarantee that the views or opinions expressed herein will come to pass. No portion of this website is to be interpreted as a testimonial or endorsement of the Firm’s investment advisory services and it is not known whether any clients or third parties approve of the firm or its services.

Indemnification

You agree to indemnify and hold harmless SWM its subsidiaries , affiliates, members, shareholders, officers, directors, employees, and agents from and against any and all claims, proceedings, liabilities, damages, losses, costs and expenses, including reasonable attorney’s fees and litigation expenses, relating to or arising from your access to or use of this site and any breach by you of these terms and conditions or other improper act or omission by you. Amendment of these terms and conditions may only be made in writing by SWM. SWM shall not, in any event, be liable for any direct or indirect, special,  incidental or consequential damages, including but not limited to lost profits, trading or other losses, expenses and damages that result from inconvenience, delay or loss of use of this site, arising in connection with use of this site or the products and services available on or through this site, even if SWM , or its representatives, are advised of the possibility of such damages or losses. SWM is an SEC registered investment adviser with offices in New Jersey . SWM and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which SWM maintains clients. SWM may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements. Any subsequent, direct communication by SWM 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 of SWM , please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov.

Sica Wealth Management offers Securities through International Assets Advisory LLC (“IAA”) an Independent Registered Broker/Dealer Member FINRA/SIPC. Investment Advisory Services are offered through Sica Wealth Management an SEC Registered Investment Advisor.  Sica Wealth Management and International Assets Advisory are unaffiliated entities.  Sica Wealth Management  may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. This site and the content herein are subject to certain Legal Notices.