Welcome to the SDBA.us website.

The information, content, tools, products and services of this website www.sdba.us are owned by Symphony Financial Services, LLC. and its subsidiaries and affiliates (collectively, “SDBA”). The Terms of Use also include some important disclosures and information related to certain products and services offered by Symphony Financial Services, LLC.

Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities and advisory services through Independent Financial Group, LLC, a registered broker-dealer and registered investment advisor. Member FINRA and SIPC. Independent Financial Group, LLC and Symphony Financial Services, LLC are not affiliated. 15022 S 40th Pl Phoenix, AZ 85044

Please carefully read the Terms and Conditions (“Terms of Use”) before using this Site. By using this Site, you agree to follow and be bound by these Terms of Use. Nothing contained in these Terms of Use is intended to modify or amend any other written agreement, including any customer or account agreements, and any other agreements that govern your use of information, content, tools, products and services available on and through the Site.

Symphony Financial Services, LLC may modify, suspend, discontinue, or restrict the use and availability of any portion of this Site at any time, without notice or liability. Individual access and use of this Site may be monitored by Symphony Financial Services, LLC and used for Symphony Financial Services, LLC internal business purposes, without liability. You can get more information about information that we collect from use of the Site by consulting our Online Privacy Policy.

Symphony Financial Services, LLC may periodically modify these Terms of Use, and any modifications will be effective immediately upon posting. We suggest that you periodically check these Terms of Use for modifications. If you do not agree to these Terms of Use, do not use this Site.

Limited License and Restrictions on Use

Symphony Financial Services, LLC 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 non-commercial use, or as expressly authorized by Symphony Financial Services, LLC in writing. Accordingly, you agree not to:

            – Limited license. 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”);

            – Unauthorized access. Attempt to 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, or redeliver, reproduce, or circumvent any page, text, image, or materials on this Site;

– Trademark protection. Modify, copy, obscure, remove, or display Symphony Financial Services, LLC name, logo, trademarks, text, notices, or images without Symphony Financial Services, LLC express written permission; and

– Interruption of site. You agree not to use any device, software, or routine that could  interfere with the proper working of the Site, that could damage or disable this Site, any  systems, networks, servers, accounts, Materials or services provided through this Site, or that would interfere with any other party’s use of the Site.

You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. Symphony Financial Services, LLC reserves all rights not expressly granted in these Terms of Use.

Use of Materials and Limitations on Advice

The Materials on this Site are for information, education, and noncommercial purposes only, are presented as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. You are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

Although some of the Materials on the Site may relate to the investment in securities and/or mutual funds, the Site is not intended to provide legal, tax, investment or insurance advice. Nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Symphony Financial Services, LLC. Certain investment planning tools available on the Site may provide general investment education based on your input. You are solely responsible for determining whether any investment, investment strategy, security or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. You should consult your legal or tax professional regarding your specific situation.

Account Authorization and Use

If you have an account or plan to open an account with or through Symphony Financial Services, LLC, you agree to provide Symphony Financial Services, LLC with current, complete, and accurate information about you as prompted by the applicable registration process and agree to regularly update this information to maintain its completeness and accuracy.

Foreign investors

This site is strictly intended for individuals residing in the state(s) of AZ, CA, CO, DE, FL, GA, IL, MO, NV, NJ, NY, NC, OK, OR, SD, TX and WA. No offers may be made or accepted from any resident outside the specific states referenced.

Nothing on the Site shall be considered a solicitation to buy, or an offer to sell, a security or any other product or service, to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

Limitation of Liability

The information provided herein has been obtained from sources believed to be reliable however we cannot guarantee or represent that it is accurate, complete or current. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third party website you are leaving our site and assume total responsibility for your use or activity on the third party site.

 

Last updated: May 2016

Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities and advisory services through Independent Financial Group, LLC, a registered broker-dealer and registered investment advisor. Member FINRA and SIPC.Independent Financial Group, LLC and Symphony Financial Services, LLC are not affiliated. 15022 S 40th Pl Phoenix, AZ 85044  This communication is strictly intended for individuals residing in the state(s) of AZ, CA, CO, DE, FL, GA, IL, MO, NV, NJ, NY, NC, OK, OR, SD, TX and WA. No offers may be made or accepted from any resident outside the specific states referenced.