"Advisor" means a financial advisor, or registered investment advisor, who is authorized to use the
Service solely for the purpose of providing personal, family or household financial planning services to Consumer.
"Consumer" means a consumer customer, or potential consumer customer of Advisor who is authorized
to use the Service solely for personal, family or household purposes.
"User" means you as the Advisor personnel or Consumer authorized by Advisor to use the Service,
each who has authorized user identification codes and passwords to access the Service.
LLC, a Delaware limited liability company ("eMoney"), and User. This Agreement sets forth the general terms and
conditions of User’s access to and use of eMoney's Wealth Management System (the "Service"). By clicking "I Accept" on
the Service and/or Consumer Site (as defined below), User agrees to all of the terms and conditions of
Consumer acknowledges and agrees (1) that this Agreement is between eMoney and Consumer and (2) that Advisor is not a party to this Agreement.
Notwithstanding, Consumer enters into this Agreement with eMoney and uses the Service subject to the terms and conditions of that certain
the Service, Consumer represents and warrants to eMoney (1) that he or she has received, acknowledges and agrees with the
Consumer acknowledges and agrees (1) that Consumer's sole source of remedies against eMoney regarding the Service are set forth herein and (2)
User acknowledges that, as the Service changes, User may be required to agree to additional terms and conditions as a condition to continued
use of the Service. User further acknowledges that eMoney may change the terms and conditions applicable to use of the Service at any time,
and eMoney will obtain User's agreement to such changed terms and conditions as required by law. The Service is at all times subject to this
Agreement then in effect; should User refuse to accept the current Agreement, eMoney will immediately terminate User’s access to and use of the Service.
Privilege to Access and Use the Service
During the term of and subject to the terms and conditions of this Agreement, Consumer may access and use those
aspects of the Service intended for access and use by Consumers (the "Consumer Site"). Consumer shall not (1)
access or use any aspect of the Service other than the Consumer Site; (2) access or use the Service for any
purposes other than personal use; or (3) access or use the Service in any unlawful manner or in violation of this
Agreement. Advisor may provide Consumer access and use of Consumer Site solely for personal, family or
User understands, acknowledges and agrees that:
Consumer's access to and use of the Consumer Site is at all times subject to authorization from the Advisor. The Advisor may at any time,
in the Advisor's sole and absolute discretion, without notice, for any reason or no reason, terminate Consumer's authorization to use the Consumer Site,
and eMoney shall comply with such direction from Advisor. Further, eMoney may at any time, in its sole and absolute discretion, without notice, for
any reason or no reason, terminate Consumer's access to the Consumer Site.
The Consumer Site is not a replacement for account statements provided by custodians of Consumer’s financial accounts. It is important to compare
the information on the Consumer Site with the statements Consumer receives from the custodian(s) for the Consumer's account(s).
eMoney retains the right to establish practices and/or limits in connection with the Service,
including but not limited to establishing maximum disk space allotted to Consumer's information and files stored on eMoney's servers.
The Consumer Site is provided solely as a convenience to Consumer.
The Consumer Site is provided solely for personal, family or household purposes and is not to be used for commercial financial planning.
Neither eMoney nor the Consumer Site provides any advice regarding insurance or securities or any other financial planning or other financial advice.
As between Consumer and eMoney, Consumer is solely responsible for all financial decisions and financial planning made by Consumer, whether made in connection with use of the Service or otherwise.
eMoney is not a broker-dealer. Consumer access to brokerage accounts may be made available to the broker-dealer’s website. Any transactions Consumer initiates
in such brokerage accounts are processed through the broker-dealer where the Consumer’s account is custodied, not eMoney.
eMoney is not responsible for and shall not be held liable for any advice given or recommendations made by the Advisor with respect to any financial, insurance, planning
or other matter, regardless of whether Consumer relied on such advice or the Service.
eMoney does not guarantee or warrant that any part of the Service is free of viruses or other harmful code. User must take appropriate precautions, such as use of an anti-virus
software package, to protect his or her computer hardware and software.
User is responsible for obtaining his or her own hardware, software and services (such as computers, web browsers and Internet access service) necessary to access and use the
Service and for payment of all fees involved in obtaining such hardware, software and services.
User shall be solely responsible for safeguarding his or her login credentials such as User Name and Password. Consumer must immediately notify the Advisor if his or her login
credentials are compromised. eMoney has no liability for any loss, claim, or other damages that result from unreported, unauthorized use of Consumer's login credentials.
any of its services and User's relationship without liability to User, User's clients or User’s third party services providers, agents or vendors. eMoney, in its sole discretion, reserves the
right to suspend or terminate the User or the User’s third party service provider or vendors access to, or the User or the User’s third party service provider or vendors right to use, the
Third Party Data and that upon termination or suspension of such access or use or upon the termination of the User’s relationship, the User shall cease and shall cause all of User’s third
party service providers, agents and vendors to cease all use of and delete or purge any and all of the Third Party Data. eMoney will not be liable to User for any modification or discontinuance
of any third party service provider or vendor products or services, whether as a result of eMoney's suspension or termination of the Third Party Data, User’s relationship with eMoney or
for any other reason.
Account Aggregation Service (referred to as "Connections")
The Service currently provides an account aggregation function that
allows Consumer to view, in a single location on the Consumer Site, consolidated
financial information from accounts that Consumer maintains at various financial
institutions as identified by Consumer from time to time ("Outside Accounts").
To use the account aggregation function, User understands and agrees that:
The aggregation function is not available for all types of accounts and/or for all financial institutions. As such, eMoney's only obligation is to make available to Consumer
the ability to aggregate such types of accounts at such financial institutions as may then be available on the Service in eMoney's sole discretion and/or ability.
Financial institutions change their websites from time to time. As a result, an Outside Account that was available to view in Connections may cease to be available to
view in Connections. eMoney has no control over Consumer’s third party financial accounts and has no obligation to restore the availability of the Outside Account on the Consumer Site.
Consumer is responsible for identifying the Outside Accounts that Consumer desires to aggregate and configuring the Consumer Site accordingly.
For each available Outside Account that Consumer desires to aggregate on the Consumer Site, Consumer must authorize eMoney to receive Outside Account information from Consumer's
financial institution(s) and/or provide eMoney or its third-party aggregation vendor with the necessary login credentials (including, without limitation, username and password) to access
such Outside Account. Consumer will provide this information through such function and process as eMoney may determine from time to time.
eMoney will access the website maintained by each third-party financial institution for each Outside Account designated for aggregation in order to retrieve and store the account
information within the Outside Account.
By submitting information, data, passwords, usernames, PINs, other log-in information and other content to eMoney through the Service, Consumer grants eMoney express authority, with
respect to each Outside Account designated for aggregation, to (1) use Consumer's login credentials for such Outside Account in order to access the account information within such Outside Account;
(2) retrieve, access, use, store, convert, format, compile, display and/or distribute ("Process") the Processed account information within the Outside Account;
such information to Consumer and the Advisor via the Service and/or Consumer Site.
By using the Service, Consumer hereby expressly consents to each financial institution holding the Outside Account to make Consumer’s data contained in the Outside Account
available to eMoney for use in the Connections.
For each Outside Account designated for aggregation, Consumer represents and warrants to eMoney that (1) Consumer is the legal owner of the account;
(2) Consumer has the right to disclose his or her login credentials for such Outside Account; and (3) Consumer has the right to grant eMoney the foregoing authorization.
CONSUMER ACKNOWLEDGES AND AGREES THAT WHEN EMONEY IS ACCESSING AND RETRIEVING OUTSIDE ACCOUNT INFORMATION FROM THIRD PARTY SITES, EMONEY IS ACTING AS CONSUMER’S AGENT,
AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE.
eMoney is not responsible for any acts, errors, or omissions by the financial institutions at which Consumer maintains an Outside Account,
or for the accuracy of the information provided by such institutions.
Consumer acknowledges that (1) the Consumer can remove an Outside Account at any time by deleting the Outside Account through the Consumer Site and (2) upon
Consumer deleting an Outside Account eMoney will stop aggregating Consumer Data for such Outside Account.
The Advisor, at the Advisor’s sole discretion, may group Consumer(s) with other Consumer(s). Once Consumers are grouped together, all Consumers in the grouping, the Advisor,
and any Alliance Partner as described below will have access to view all information available to Consumer through the Service. This viewable information may include, but is not limited to
Consumer’s name, address, account numbers, all accounts viewable in the Service, including account information for accounts provided by Advisor or by Consumer through the Account Aggregation Service
and all files in the Consumer's Vault. By using the Service, Consumer consents to such features. The Consumer Site is not a replacement for account statements provided by custodians of Consumer’s
financial accounts. Consumer should not rely on the Service and the Consumer Site as a replacement or substitute for such financial statements.
eMoney—acting upon instruction from Advisor or otherwise—may terminate the Connections or Consumer’s access thereto at any time without notice to Consumer.
Third Party Data
Security, market and reference data (collectively, "Third Party Data") is provided by third party licensor(s) of eMoney to enhance raw customer data.
Third Party Data shall not be distributed or redistributed in any manner by the User or the User’s agents, third party service providers or vendors. To the extent eMoney provides
Third Party Data to the User or the User’s third party service providers, agents or vendors, the receipt and use of Third Party Data by the User and the User’s third party service providers
is subject to certain terms and conditions required by third party licensors of eMoney (the "Third Party Terms"). The User shall be liable and responsible to eMoney for
any actions or omissions, including any unauthorized or inadvertent receipt, use or misuse of third party data by the User or the User’s third party service providers in violation of the
Third Party Terms, the terms herein or any other obligations that are made to eMoney by the User.
Third Party Data shall only be used in connection with the accounts for which eMoney provides administrative or processing services for and for no other purpose.
Third Party Data shall only be used to provide services to each individual client with respect to such client’s holdings (and shall not use a client Third Party Data to
provide services to another client or entity) and for no other purpose. The User shall not commingle the holdings of a particular client with the holdings of another client for the
purpose of circumventing the obligations as otherwise set forth in the Third Party Terms, the terms herein or any other obligations that are made to eMoney by the User and shall ensure
that User’s third party service providers, agents or vendors do not commingle the Third Party Data relating to the holdings of a particular third party service provider, agent or
vendor customer with the holdings of another third party service provider, agent or vendor customer (except to the extent such commingling is the result of householding of various
accounts or such commingling is provided in a summary or report showing the holdings of such househeld accounts).
Except as expressly provided herein, the User shall not distribute, redistribute, export to, download for, provide access to, or otherwise transfer Third Party Data to any party
including but not limited to third party service providers, vendors, or agents.
Use or disclosure of any Third Party Data in any manner inconsistent with Third Party Terms, the terms herein or any other obligations imposed upon User by eMoney may result in
immediate and irreparable harm to eMoney and/or the third party licensors of eMoney and any remedies at law in such event may not be adequate. Accordingly, in addition to all other remedies
available at law or in equity, eMoney shall have the right to seek equitable and injunctive relief, without the necessity of proving actual damages and without posting a bond, to prevent such
unauthorized, negligent or inadvertent use or disclosure, and to recover the amount of all such damages (including attorneys' fees and expenses) incurred in connection with such use or disclosure.
Additionally, eMoney is not waiving or purporting to waive any rights that the third party licensors of eMoney may have to pursue any and all claims against the User, the Consumer or the User’s
third party service providers, agents or vendors in connection with the unauthorized use or disclosure of Third Party Data.
The User and the User’s third party service providers, vendors and agents shall not distribute, redistribute or otherwise transfer Third Party Data (i) into
(or to a national or resident of or to the government of) Cuba, Iran, North Korea, Sudan, Syria, Burma (Myanmar), Libya or any other country with respect to which the United States maintains
trade sanctions prohibiting the shipment or provision of services, goods, technology or software; or (ii) to anyone on or acting on behalf of or owned or controlled by an entity on the
Specially Designated Nations and Blocked Persons List maintained by the U.S. Treasury Department's Office of Foreign Assets Control (the "SDN List") or the U.S. Commerce
Department's Denied Persons List or Entities List (collectively with the SDN List, the "U.S. Prohibited Party List(s)"). Each time the User accesses, uses, transmits, exports,
downloads, distributes, redistributes or otherwise transfers Third Party Data, the User shall be deemed to represent, warrant and covenant to eMoney that the User and the User’s third
party service providers, clients, agents and vendors are not (x) located in or a national or resident of or the government of any country that is subject to U.S. trade sanctions or
(y) on any U.S. Prohibited Party List or acting on behalf of or owned or controlled by any person or entity on any such list.
The User will defend, indemnify and hold harmless eMoney, and its affiliates, licensors, and third party licensors, service providers, and their partners, suppliers, officers, directors,
employees and successors and assigns thereof ("Indemnified Parties") from and against all claims, demands, proceedings, suits and actions and all liabilities, losses, expenses and costs
(including any reasonable legal fees and expenses relating to eMoney's or any third party service providers defense) ("Damages") arising from third party claims which allege:
(i) failure by the User or the User’s third party service providers, clients, agents or vendors to comply with any obligations to eMoney with regards to the Third Party Data;
(ii) the unauthorized access or use of the Third Party Data by the User or the User’s third party service providers, clients, agents or vendors; or (iii) any negligent or willful acts, errors,
or omissions by the User or the User’s third party service providers, clients, agents or vendors in the performance of the User’s obligations, provided, however, that the User shall not be obligated
to indemnify any Indemnified Party in the event that, and solely to the extent that, the Damages result from the gross negligence or willful misconduct of eMoney. In the event eMoney requests
indemnification pursuant to this Section, it shall give notice to the User promptly after the receipt of any claim that may be indemnifiable hereunder. The User shall have sole control of the
defense with respect to any such claim (including settlement of such claim), except that eMoney may participate in such defense at its own expense, and that no settlement that imposes liability
on or detrimentally affects the rights of eMoney or its licensors, and third-party service providers, and their partners, suppliers, officers, directors, employees and successors and assigns
shall be entered into by the User without eMoney's prior written consent. If the User fails to either defend or settle any such claim, eMoney may defend the claim, and keep the User informed of
the progress, or settle the claim for a commercially reasonable result.
The Service currently provides a service known as the Vault which allows User to store and retrieve electronic files on
the Consumer Site. To add a file to the Vault, (a) Consumer may either upload the file to a private Vault folder to
which the Consumer may have access, (b) a User may upload the files to a shared folder to which the Advisor has
granted Consumer access or (c) a User may provide a copy of the file to the Advisor if that document is to be added
to a folder contained in the Vault other than the Consumer’s private or shared folders to which the Consumer may
have access. The Advisor is responsible for uploading the file to the Vault and organizing Consumer's files in the
Vault into separate electronic "folders." User understands and agrees that Consumer will have "view only" access to
materials in the Vault that the Advisor has added and that any addition, deletion, modification, or organization of
Consumer's such files in the Vault must be processed through the Advisor.
User understands and agrees that:
For each file stored in the Vault, User represents and warrants to eMoney that User lawfully possesses such file and has the authority to upload or have the file uploaded,
stored and made retrievable to and from the Vault.
User is solely responsible for the use and content of any file that User uploads into or accesses from the Vault, including files provided by third parties
(including, without limitation, User’s broker-dealer, User’s broker-dealer’s service providers and User’s custodian) and such third parties do not assume any liability with respect to
the content of such files when viewed in the Vault or for any other content provided on this site. User agrees not to use the Vault to store any file or information that is unlawful,
offensive, indecent, or otherwise actionable by any third party.
eMoney disclaims any ownership rights to or liability for the files (or the contents thereof) uploaded to the Vault by User.
eMoney is not responsible for any use or dissemination of User's files by any third parties to whom User grants authorization to view his or her files.
The Vault is provided to Consumer as a convenience and may be discontinued by eMoney at any time.
User should not rely on the Vault as User’s storage system for files; User should always retain a copy of User files outside of the Vault.
User is responsible for retaining originals or copies of the files he or she chooses to store in the Vault as eMoney does not guarantee the contents
of the Vault will be available to the User or that the Vault will always be offered as a service.
In addition to the user roles of Advisor and Consumer, the Service also provides a user role that allows other service providers to
Consumer, such as Consumer's banker, accountant or attorney (known as "Alliance Partners"), to access and view all of the information
stored by the Service in relation to Consumer. For example, the Alliance Partner role allows Consumer to direct the Advisor to permit
Consumer's family lawyer access to Consumer's information in the Service to assist with estate planning and other needs.
Consumer understands and agrees that:
Consumer must request Alliance Partner through the Advisor. Advisor may in its sole and absolute discretion grant or deny any request
of Consumer to add any Alliance Partner.
Unless and until the Advisor revokes the access privileges of an Alliance Partner, Consumer hereby consents to eMoney allowing such
Alliance Partner to access and view any and all of Consumer's information stored in the Service. Should Consumer wish to revoke the access
privileges of any Alliance Partner, Consumer shall promptly notify Advisor in writing accordingly, and Advisor shall have a reasonable time,
which in no event shall be less than ten (10) business days, to act thereon.
eMoney shall not be liable for any act or omission on the part of the Advisor in relation to Alliance Partners or any act or omission
of the Alliance Partner.
The Alliance Partner function is provided to Consumer as a convenience and may be terminated by eMoney and/or Advisor at any time.
Other Terms and Conditions
Consumer may terminate use of the Service at any time by contacting the Advisor. Once Consumer has terminated
use of the Service, Consumer will have no further access to the Service and all files retained in the file storage
service will be deleted.
eMoney stores information regarding actions taken by Consumer when Consumer accesses the Consumer Site. This
information may be provided to the Advisor and/or Alliance Partners and to other eMoney employees and contractors
who provide services or products to the Consumer. Consumer agrees that the Service is non-transferable and any
rights to the Service and access to the Consumer Site and the information or contents within the Consumer Site,
terminate upon Consumer’s death. Upon receipt of a copy of Consumer’s death certificate, Consumer's access to
the Consumer Site may be terminated and all contents therein permanently deleted.
eMoney may modify or discontinue offering the Service at any time, with or without notice, for any reason or no reason.
The Service may provide links to websites and include embedded videos that are not operated or hosted by eMoney. eMoney provides these
links and/or videos for Users convenience and may be removed at any time. eMoney does not investigate the quality, accuracy or
completeness of any content on third party websites. User acknowledges and agrees that eMoney is not responsible or liable for any
content, advertising, products or other materials on or available from third party web sites or embedded videos. User is responsible
for familiarizing his or herself with the content of such third party websites and/or embedded videos, including the applicable privacy
policies related thereto. For more information on eMoney’s privacy policies, please see the eMoney privacy statement.
NONE OF EMONEY, AND ITS AFFILIATES, PARTNERS, SUPPLIERS, OFFICERS, DIRECTORS, EMPLOYEES AND SUCCESSORS AND ASSIGNS,
ITS THIRD-PARTY DATA PROVIDERS, LICENSORS, AND THEIR PARTNERS, SUPPLIERS AND THEIR RESPECTIVE AFFILIATES (COLLECTIVELY, "THIRD PARTY
SUPPLIERS") ARE MAKING ANY REPRESENTATION OR WARRANTY, EXPRESSED OR IMPLIED, AS TO THE ACCURACY OR COMPLETENESS OF ANY THIRD PARTY
DATA OR WITH RESPECT TO THE USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, AGENTS OR VENDORS RECEIPT OR USE OF THE THIRD PARTY DATA.
THE USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, AGENTS OR VENDORS USE OF (OR USE IN ANY PARTICULAR LOCATION AS SET FORTH ABOVE)
THIRD PARTY DATA IS AT THE USER’S SOLE RISK. THIRD PARTY DATA IS PROVIDED BY EMONEY, ITS AFFILIATES AND THIRD PARTY SUPPLIERS
ON AN "AS IS" AND "AS AVAILABLE" BASIS. EMONEY, ITS AFFILIATES AND THIRD PARTY SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND
WHETHER EXPRESS OR IMPLIED, AS TO THE THIRD PARTY DATA INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. EMONEY, ITS AFFILIATES AND THIRD-PARTY SUPPLIERS MAKE NO WARRANTY
OR COMMITMENT TO THE USER THAT (I) THE THIRD PARTY DATA WILL MEET THE USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, AGENTS OR VENDORS
REQUIREMENTS, (II) THE TRANSMISSION OR RECEIPT OF THIRD PARTY DATA WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, (III)
THE THIRD PARTY DATA THAT IS OBTAINED BY THE USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, AGENTS OR VENDORS WILL BE ACCURATE, COMPLETE OR
RELIABLE, OR (IV) ANY ERRORS IN THE THIRD PARTY DATA WILL BE CORRECTED. EMONEY, ITS AFFILIATES AND THIRD-PARTY SUPPLIERS SHALL NOT HAVE ANY
LIABILITY (INCLUDING, LIABILITY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR SPECIAL DAMAGES, LOSS RESULTING FROM
BUSINESS DISRUPTION, LOST PROFITS OR TRADING ERRORS) TO THE USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, CLIENTS, AGENTS OR VENDORS AS A RESULT OF THE
USER OR THE USER’S THIRD PARTY SERVICE PROVIDERS, AGENTS, CLIENTS OR VENDORS USE, OR INABILITY TO USE, OR ANY ERRORS IN,
ANY THIRD PARTY DATA OR ANY OTHER MATTER PERTAINING HEREIN.
THE SERVICE IS FURNISHED "AS IS" AND WITHOUT ANY EXPRESS OR IMPLIED
REPRESENTATIONS OR WARRANTIES INCLUDING, WITHOUT LIMITATION, MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AVAILABILITY OF ALL OR ANY PART OF THE
SERVICE, AND FREEDOM FROM ERRORS, VIRUSES, BUGS OR OTHER HARMFUL COMPONENTS.
EMONEY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY
OR PUNITIVE DAMAGES EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME.
IF THE FOREGOING DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY IS HELD TO BE
UNENFORCEABLE, CONSUMER AGREES THAT EMONEY'S LIABILITY TO CONSUMER, WHETHER IN TORT, CONTRACT
OR OTHERWISE, FOR ALL CAUSES SHALL NOT EXCEED IN THE AGGREGATE $500.
If any clause or provision set forth in this Agreement is determined to be illegal, invalid
or unenforceable under present or future law, then the clause or provision so determined to be
illegal, invalid or unenforceable shall be severable without affecting the enforceability of
all remaining clauses or provisions.
This Agreement and access to and use of the Service shall be governed
by the laws of the United States of America and the Commonwealth of Pennsylvania applicable to
contracts entered into by residents of Pennsylvania and wholly performed in Pennsylvania. The state
courts with jurisdiction over Montgomery County, Pennsylvania shall have exclusive jurisdiction over
any and all claims, disputes or other controversies relating to or arising from this Agreement or
access to or use of the Service. Each party hereby expressly consents to the exercise of
jurisdiction over the Agreement by such courts. To the fullest extent permitted by applicable law, each
party to this Agreement waives its or his right to a jury trial with respect to any action brought
only and such headings are not to be used in determining the meaning or interpretation of these Terms of
Use. This Agreement will continue to apply until terminated by either the User or eMoney in accordance
with this Agreement and/or the prevailing agreement in place between the Advisor and eMoney.
This Agreement may not be modified or amended without the prior written consent of eMoney. eMoney
may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to User by
electronic means. In addition, the Agreement will always indicate the date it was last revised. User is deemed to
accept and agree to be bound by any changes to the Agreement when using the Service after those changes are
Cambridge Investment Research, Inc. is a broker/dealer, Member FINRA/SIPC. Information provided is being assembled from outside parties for convenience and is believed to be reliable but has not been verified and should not be used for tax or legal purposes or as replacement for custodial account statements.