Disclaimer

Nature of NMC's services

Nival Management & Consulting LLC (“NMC”) is a financial industry consulting firm. NMC is not:

• A registered investment adviser under the Investment Advisers Act of 1940;
• A broker-dealer registered with the U.S. Securities and Exchange Commission or a member of FINRA;
• A certified public accounting firm;
• A law firm, and we do not employ attorneys to provide legal services to the public.

NMC provides operational, compliance, and back-office consulting services to financial-industry firms. Consulting engagements are governed by a separately signed written agreement.

No investment advice

Nothing on this website constitutes investment advice or a recommendation to buy, sell, or hold any security or investment product. The Site is not an offer to sell or a solicitation to buy any security, and is not directed at any person in any jurisdiction in which such offer or solicitation would be unlawful.

Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal. Decisions about investing should be made only after consultation with a qualified investment professional who has reviewed your specific financial situation.

No legal, tax, or accounting advice

Information on this Site is for general informational and educational purposes only and is not a substitute for advice from a licensed professional. Tax laws, accounting standards, and regulatory requirements change frequently and depend on individual circumstances. You should consult an attorney, certified public accountant, or other qualified professional regarding your specific situation before taking any action.

News & regulatory updates

The News section of this Site automatically displays publicly available press releases sourced from the U.S. Securities and Exchange Commission (SEC) at sec.gov, along with NMC commentary or summaries from time to time. This content is provided for educational and informational purposes only. NMC does not endorse, verify, or guarantee the accuracy, completeness, or timeliness of third-party content. For official information, visit sec.gov.

Display of a news item on this Site is not an endorsement of any position, party, or enforcement matter referenced in that item.

Forward-looking statements

The Site may contain forward-looking statements about the financial-services industry, regulatory developments, or NMC's services. Forward-looking statements involve risks and uncertainties; actual outcomes may differ materially from those expressed or implied. NMC undertakes no obligation to update forward-looking statements.

No consultant-client relationship

Use of this Site, submission of a contact form, sending email, or any other communication with NMC through the Site does not create a consultant-client, advisory, fiduciary, attorney-client, or any other professional relationship. A consulting engagement with NMC is created only by a separately signed written agreement.

Do not send confidential, sensitive, or time-sensitive information through this Site or unsolicited email until a written engagement is in place. Unsolicited information you submit will not be treated as confidential or privileged.

Geographic limitations

NMC offers services in jurisdictions where it is authorized to do business. The Site is operated from New York and may not be appropriate for use in all jurisdictions. By using the Site, you represent that you may lawfully access it where you are located.

Third-party links

The Site may include links to third-party websites operated by parties other than NMC. NMC does not control and is not responsible for the content, availability, accuracy, or practices of any third-party site. Links are provided for convenience only and do not imply endorsement.

Trademarks

“Nival Management & Consulting LLC”, the NMC logo, and related marks are trademarks of Nival Management & Consulting LLC. Other names, marks, and references on the Site (including SEC, FINRA, and other regulatory body names) are the property of their respective owners and are used for identification only.

Limitation of liability

NMC, its members, officers, employees, and agents will not be liable for any decision made or action taken in reliance on information presented on this Site. For the full limitation of liability provisions that apply to your use of this Site, see our Terms of Use.

Contact

If you have questions about this Disclaimer or NMC's services, please contact:

Nival Management & Consulting LLC
17 State Street, Suite 4000
New York, NY 10004
Contact form: nivalmc.com/contact