Terms of Use
Polaris Finanical LLC
d/b/a Banc Wealth Group
Effective: March 15, 2026
Introduction
Welcome to Banc Wealth Group. These Terms of Use (the “Terms of Use”) explain the rules for using our website. Please read them carefully.
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
We may update these Terms from time to time. When we do, the updated version will be posted on this page. Your continued use of the website means you accept any changes. We reserve the right to update these pages at any time without prior notice.
Who We Are
Polaris Financial, LLC, a registered investment adviser, doing business as Banc Wealth Group (“BWG”). Being registered as an investment adviser does not imply a certain level of skill or training. We provide investment advisory and financial planning services only under a written advisory agreement that is signed by both you and our firm. Simply visiting or using this website does not create a client relationship.
Independence From Banks
Banc Wealth Group partners with unaffiliated banks. However:
Informational Purposes Only
The information on this website is for general informational and educational purposes only. Nothing on this website should be considered investment, tax, legal, or accounting advice. You should consult your own professional advisers before making financial decisions.
Using this website does not create a fiduciary or advisory relationship. A client relationship with BWG is formed only after a written advisory agreement has been signed.
No Offer or Solicitation
Nothing on this website should be interpreted as an offer to sell or a solicitation to buy any security or advisory service in any jurisdiction where such offer or solicitation would not be permitted. We provide advisory services only in states or jurisdictions where we are properly registered or otherwise legally permitted to do so.
Investment Risk & Performance Disclosures
All investments involve risk, including the possible loss of principal and associated earnings. Past performance does not guarantee future results. Market conditions change over time, and investment returns are not guaranteed.
Any examples, illustrations, or hypothetical scenarios shown on this website are for informational purposes only. They are not guarantees of future performance or outcomes.
Forward-looking statements reflect current views and assumptions and are subject to change. They should not be relied upon as guarantees of future results.
Custody of Assets and SIPC Protection
Client assets are held with independent, qualified custodians. BWG utilizes Altruist Financial, LLC, and Interactive Brokers, LLC as qualified custodians. BWG does not take physical custody of client funds or securities.
Custodians are members of the Securities Investor Protection Corporation (“SIPC”). SIPC protection applies only to assets held at the custodian and is limited in scope. SIPC does not protect against losses caused by market declines or poor investment performance.
For more information about SIPC, you may visit www.sipc.org
Your Responsibilities When Using This Website
By using this website, you agree to:
If you use our contact forms, please do not include sensitive personal or financial information such as account numbers or Social Security numbers. Email and website communications are not guaranteed to be secure.
Privacy
Your use of this website is also governed by our Privacy Policy. Our Privacy Policy explains how we collect, use, and protect personal information. We encourage you to review it carefully.
We use cookies and similar technologies to operate and improve our website. We do not sell your personal information, and we do not use behavioral advertising. In the event of a security incident involving personal information you have submitted through this website, we will provide notification consistent with our Privacy Policy and applicable law, including the requirements of SEC Regulation S-P and M.G.L. c. 93H.
Third Party Websites and Links
This website may include links to third-party websites for your convenience. We do not control those websites and are not responsible for their content, security, or privacy practices. A link to another site does not mean we endorse or approve its content. When you leave our website, you are subject to the terms and privacy policy of the other site.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is owned by BWG or its licensors and is protected by applicable intellectual property laws. You may view and print content for your personal, noncommercial use only. You may not copy, distribute, modify, or publicly display website content without our written permission.
Disclaimer of Warranties
This website is provided on an as is basis. We do not guarantee that the website will always be available, uninterrupted, secure, or free of errors. While we strive to provide accurate and timely information, we do not warrant that all content is complete, current, or error-free.
Nothing in this section limits any duties we may owe to clients under a written advisory agreement.
Limitation of Liability
To the fullest extent permitted by law, BWG will not be responsible for indirect, incidental, consequential, or special damages arising out of your use of this website.
We are not responsible for temporary website unavailability or technical issues beyond our reasonable control.
Nothing in these Terms limits liability for fraud, willful misconduct, or any liability that cannot be limited under applicable law.
Website Security
We maintain administrative, technical, and physical safeguards designed to protect information submitted through our website. However, no method of transmission over the internet or electronic storage is completely secure.
We cannot guarantee absolute security. We maintain a written incident response program to detect, respond to, and recover from unauthorized access to information submitted through this website. If we become aware of a security incident affecting your personal information, we will take appropriate steps and notify you as required by applicable law.
Relationship to Advisory Agreements
These Terms of Use apply only to your use of this website. If you become a client of Banc Wealth Group, your relationship with us will be governed by a separate written advisory agreement. In the event of any conflict between these Terms of Use and a signed advisory agreement, the advisory agreement will control.
Governing Law
These Terms of Use are governed by the laws of the State of Delaware, without regard to any conflict-of-laws principles. Notwithstanding the foregoing, nothing in these Terms of Use limits the application of applicable federal law or the data protection and breach notification requirements of any state in which a user resides, including, without limitation, M.G.L. c 93H and 201 CMR 17.00 (Massachusetts Standards for the Protection of Personal Information).
Contact Information
If you have questions about these Terms of Use, please contact us at:
Banc Wealth Group
Phone: (888) 212 9940
Email: [email protected]
Welcome to Banc Wealth Group. These Terms of Use (the “Terms of Use”) explain the rules for using our website. Please read them carefully.
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site.
We may update these Terms from time to time. When we do, the updated version will be posted on this page. Your continued use of the website means you accept any changes. We reserve the right to update these pages at any time without prior notice.
Who We Are
Polaris Financial, LLC, a registered investment adviser, doing business as Banc Wealth Group (“BWG”). Being registered as an investment adviser does not imply a certain level of skill or training. We provide investment advisory and financial planning services only under a written advisory agreement that is signed by both you and our firm. Simply visiting or using this website does not create a client relationship.
Independence From Banks
Banc Wealth Group partners with unaffiliated banks. However:
- We are a separate and independent company.
- Advisory services are provided by BWG, not by the banks.
- Banks are separate legal entities and are not responsible for our advisory services.
- These Terms of Use apply only to BWG and this website. They do not apply to any bank website or services.
- If you access a bank website, that site is governed by its own terms of use and privacy policy.
Informational Purposes Only
The information on this website is for general informational and educational purposes only. Nothing on this website should be considered investment, tax, legal, or accounting advice. You should consult your own professional advisers before making financial decisions.
Using this website does not create a fiduciary or advisory relationship. A client relationship with BWG is formed only after a written advisory agreement has been signed.
No Offer or Solicitation
Nothing on this website should be interpreted as an offer to sell or a solicitation to buy any security or advisory service in any jurisdiction where such offer or solicitation would not be permitted. We provide advisory services only in states or jurisdictions where we are properly registered or otherwise legally permitted to do so.
Investment Risk & Performance Disclosures
All investments involve risk, including the possible loss of principal and associated earnings. Past performance does not guarantee future results. Market conditions change over time, and investment returns are not guaranteed.
Any examples, illustrations, or hypothetical scenarios shown on this website are for informational purposes only. They are not guarantees of future performance or outcomes.
Forward-looking statements reflect current views and assumptions and are subject to change. They should not be relied upon as guarantees of future results.
Custody of Assets and SIPC Protection
Client assets are held with independent, qualified custodians. BWG utilizes Altruist Financial, LLC, and Interactive Brokers, LLC as qualified custodians. BWG does not take physical custody of client funds or securities.
Custodians are members of the Securities Investor Protection Corporation (“SIPC”). SIPC protection applies only to assets held at the custodian and is limited in scope. SIPC does not protect against losses caused by market declines or poor investment performance.
For more information about SIPC, you may visit www.sipc.org
Your Responsibilities When Using This Website
By using this website, you agree to:
- Provide accurate and truthful information.
- Use the website only for lawful purposes.
- Not attempt to gain unauthorized access to our systems.
- Not copy, reproduce, or distribute website content without permission
- Not attempt to interfere with the operation or security of the website.
If you use our contact forms, please do not include sensitive personal or financial information such as account numbers or Social Security numbers. Email and website communications are not guaranteed to be secure.
Privacy
Your use of this website is also governed by our Privacy Policy. Our Privacy Policy explains how we collect, use, and protect personal information. We encourage you to review it carefully.
We use cookies and similar technologies to operate and improve our website. We do not sell your personal information, and we do not use behavioral advertising. In the event of a security incident involving personal information you have submitted through this website, we will provide notification consistent with our Privacy Policy and applicable law, including the requirements of SEC Regulation S-P and M.G.L. c. 93H.
Third Party Websites and Links
This website may include links to third-party websites for your convenience. We do not control those websites and are not responsible for their content, security, or privacy practices. A link to another site does not mean we endorse or approve its content. When you leave our website, you are subject to the terms and privacy policy of the other site.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is owned by BWG or its licensors and is protected by applicable intellectual property laws. You may view and print content for your personal, noncommercial use only. You may not copy, distribute, modify, or publicly display website content without our written permission.
Disclaimer of Warranties
This website is provided on an as is basis. We do not guarantee that the website will always be available, uninterrupted, secure, or free of errors. While we strive to provide accurate and timely information, we do not warrant that all content is complete, current, or error-free.
Nothing in this section limits any duties we may owe to clients under a written advisory agreement.
Limitation of Liability
To the fullest extent permitted by law, BWG will not be responsible for indirect, incidental, consequential, or special damages arising out of your use of this website.
We are not responsible for temporary website unavailability or technical issues beyond our reasonable control.
Nothing in these Terms limits liability for fraud, willful misconduct, or any liability that cannot be limited under applicable law.
Website Security
We maintain administrative, technical, and physical safeguards designed to protect information submitted through our website. However, no method of transmission over the internet or electronic storage is completely secure.
We cannot guarantee absolute security. We maintain a written incident response program to detect, respond to, and recover from unauthorized access to information submitted through this website. If we become aware of a security incident affecting your personal information, we will take appropriate steps and notify you as required by applicable law.
Relationship to Advisory Agreements
These Terms of Use apply only to your use of this website. If you become a client of Banc Wealth Group, your relationship with us will be governed by a separate written advisory agreement. In the event of any conflict between these Terms of Use and a signed advisory agreement, the advisory agreement will control.
Governing Law
These Terms of Use are governed by the laws of the State of Delaware, without regard to any conflict-of-laws principles. Notwithstanding the foregoing, nothing in these Terms of Use limits the application of applicable federal law or the data protection and breach notification requirements of any state in which a user resides, including, without limitation, M.G.L. c 93H and 201 CMR 17.00 (Massachusetts Standards for the Protection of Personal Information).
Contact Information
If you have questions about these Terms of Use, please contact us at:
Banc Wealth Group
Phone: (888) 212 9940
Email: [email protected]