Family Capital Blog
Confidentiality, integrity, continuity and reliability: these are the core values of Family Capital Trust.
The company takes a conservative approach to preserving a family’s wealth, focusing on current financial goals while providing flexibility for changing needs and future generations. Family members work exclusively with the Family Capital principals who best understand their needs and listen objectively to the issues at hand. A true family office style assures personal service, continuity and diligence in managing generations of wealth and sophisticated estate plans. As a trust company chartered by the State of New Hampshire, Family Capital is required to adhere to the most stringent fiduciary standards, to successfully complete periodic compliance examinations and to maintain substantial capital. The strict checks and balances required of New Hampshire chartered banks, and implemented through up-to-date technology, assure clients of the highest level of security and confidentiality.
This site is owned and operated by Family Capital, Inc. (referred to as "Family Capital ", "we", "us", or "our" herein). No material from the site may be copied, reproduced, republished, uploaded, posed, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for your non-commercial use only, provided that you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of Family Capital copyright and other proprietary rights. The use of any such material on any other Web site or networked computer environment is prohibited. Except as otherwise indicated on this site and except for the trademarks, service marks and trade names of other companies that are displayed on this site, all trademarks, service marks and trade names are property of Family Capital. In the event that you download any software from the site, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "Software") are non-exclusively licensed to you by Family Capital. Family Capital does not transfer title to the Software to you. Family Capital retains full and complete title to the Software, and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise reduce the Software to a human-perceivable form.
SHALL NOT BE LIABLE FOR ANY DAMAGES OR INJURY RESULTING FROM YOUR ACCESS TO, OR INABILITY TO ACCESS, THIS SITE, OR YOUR RELIANCE ON ANY INFORMATION PROVIDED AT THIS SITE. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE SITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTEE OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Family Capital DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Family Capital DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT Family Capital ) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
Under no circumstances, including, but not limited to, negligence, shall Family Capital be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Family Capital or a Family Capital authorized representative has been advised of the possibility of such damages. In no event shall Family Capital have any liability to you for damages, losses and causes of action (whether in contract, tort (including, but not limited to, negligence), or otherwise) for accessing this site.
All claims, disputes or disagreements which may arise out of the interpretation, performance or in any way relating to your use of this site and any and all other Family Capital site(s), shall be submitted exclusively to the jurisdiction of the Courts of the Province of British Columbia. Family Capital also assumes no responsibility, and shall not be liable for any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, data, text, images, video, or audio from the Site.
1) What personally identifiable information does Family Capital collect from you?
Family Capital collects information from our users at several different points on our Web site. In general, you can visit the Family Capital Web site without telling us who you are or revealing any personal information about yourself. We track visiting domains, internet addresses of the domains from which people visit us to track a user's session and the user's browser also lets us know the type of computer and operating system being used. This allows us to analyze the information as to which parts of our site users spend their time and their length of stay but does not give us any personal information about the user. Specifically, a user's session will be tracked, but the user will be anonymous.
Sometimes however, we will ask you to voluntarily provide information about yourself. Generally this information is requested when you are asked for one or more of the following: 1) to register before downloading software; 2) registering for attendance to an online seminar, demo or a seminar or tradeshow; 3) filling out a sales information request or contact form; 4), viewing a recorded event; 5) becoming a registered user; 6) signing up for a mailing list; 7) during correspondence with us; 8) entering a sweepstakes or other promotional/informational feature via the Web site, or 9) completing a survey that we use for research, and 10) any other such activities as we deem necessary. Occasionally, we may use this information when we notify you about important changes to the Web site. Family Capital does not collect any personally identifiable financial or health-related information. However, you may be asked to provide information, including but not limited to, your name, e-mail address, postal address and telephone number.
You make the decision whether to proceed with any activity that requests personal information. If you do not wish to provide the requested information, you may not be able to complete the applicable transaction.
2) How does Family Capital collect information and use information collected?
When we capture such information about your session or about you, we may use it for research or to improve our Web site and the services we offer you. We will ask you if you want us to use the information you provide to continue contact with you. The mediums in which we may contact you are including but not limited to e-mail, telephone, or postal mail (for example, to send you information or special offers, or for other marketing purposes). We will not contact you unless you have either given us permission to do so or are a customer of Family Capital .
When placing an order or requesting a download, we require that you first complete the registration/order form, including contact information such as name, mailing address, and your shipping address. This contact information is also used if we have trouble processing your order.
Additionally, we will use information to assist us in creating content that is relevant to you, to assist us in creating better products and services to meet your needs, to provide you with access to services or otherwise engage in activities you select, and to help you quickly find software, services, or product information important to you.
3) What are cookies and how does Family Capital use them?
Some of our Web pages utilize "cookies" which are small text files placed on your computers hard drive that are read by the server that placed them, are unable to execute any code or virus and cannot take any additional information from your hard drive. These cookies allow the Family Capital Web site to recognize you when you revisit the site, and are able to remember certain information about you, such as your preferences in the site and the type of content you find of interest so that we can better serve you with more tailored information when you return to our site.
You can set your browser to notify you when you are sent a cookie, giving you the chance to decide whether or not to accept it. The information we collect and analyze is used to improve our service to you and personalize your web-browsing experience.
4) What is Family Capital's policy regarding links to other Web sites and third parties?
5) With whom is this information shared?
We may partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact and billing information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services. Family Capital is not responsible for, nor do we have any liability in connection with the control or use of the information by such third parties.
The other circumstance under which Family Capital may disclose your personal information to another party is when legally required to do so or when we believe, in good faith, that the law requires such a disclosure. For example, we will share such information if we have reason to believe that the information is necessary to identify, contact or bring legal action against someone who may be either causing injury to or interference with Family Capital's rights or property, or Family Capital customers or affiliates.
6) What options do you have regarding collection, use and distribution of your information?
If you provide us with your e-mail or postal address, or have done so in the past, we may use it to send you information on the latest Family Capital products, promotions, and events. We may use information you have given to us, for example, to measure consumer interest in our various products, or to inform you about new products and services. These offers may be based on information you provided in your initial transaction with us or in surveys. Family Capital provides customers with an easy means to decline to receive such e-mail offers. All e-mail offers that you receive from Family Capital will tell you how to decline further e-mail offers. To manually unsubscribe to our lists, please send an e-mail to [link].
7) What is Family Capital's policy on allowing you to update, correct or delete your personally identifiable information?
If you would like to have your identifiable information removed or you would like to unsubscribe to this list, please go to [link] To update, change for correct your personal information, please send an e-mail to [link].
8) What security precautions are in place to protect the loss, misuse or alteration of your information?
To protect the privacy of any personal information you may have provided, Family Capital employs industry-standard controls including physical access controls, Internet firewalls, intrusion detection, and network monitoring. Additionally, only authorized administrators and staff have access to systems containing such information. Backup data are securely stored and not shared with third-parties.
9) What are you consenting to?
You further expressly agree that by using this Web site, your rights and obligations as well as Family Capital's rights and regulations shall be governed by the laws of the State of Massachusetts.