Welcome to The Lanrick Group. As a first time visitor you must read and agree to the terms of use as set forth below before proceeding. Thank You.

Disclaimer and Terms of Use
This web site is offered to you (hereinafter referred to as "Client") conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the web site constitutes your agreement to all such terms, conditions, and notices. The right to use the web site and any other product or service offered by The Lanrick Group is personal to Client and is not transferable by assignment, sublicense, or any other method to any other person or entity.

       The information provided on the web site is provided to the Client for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security that may be referenced on the web site.

       Nothing on the web site should be construed as tax, legal, or investment advice from The Lanrick Group.

       Nothing on the web site shall be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction or where such offer or sale would subject The Lanrick Group or its affiliates to any registration requirement within such jurisdiction or country.

       Although the information on the web site is believed to be reliable, The Lanrick Group cannot guarantee the accuracy of such information, either expressly or implied.

       Client expressly agrees that use of the web site is at his or her sole risk. Neither The Lanrick Group, its affiliates, nor any of their respective employees, agents, third-party content providers, or licensors warrants that use of the web site will be uninterrupted or error free; nor do they make any warranty as to the results that may be obtained from use of the web site or as to the accuracy, reliability, or content of any information, service or merchandise provided through the web site.

       The web site is provided on an "as is" basis without warranties of any kind, either expressed or implied, including but not limited to warranties of title or implied warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction, or modification under the laws applicable to this agreement.

       The disclaimers of liability contained in this section apply to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action. Client specifically acknowledges that The Lanrick Group is not liable for the defamatory, offensive, or illegal conduct of other third parties and that the risk of injury from the forgoing rests entirely with each Client.

       In no event will The Lanrick Group or any person or entity involved in creating, producing, or distributing the web site be liable for any direct, indirect, incidental, special, or consequential damages arising out of the use of or inability to use the web site or out of the breach of any warranty. Client hereby acknowledges that the provisions of this section shall apply to all content on the web site.

       The Lanrick Group neither endorses nor is responsible for the accuracy of reliability of any opinion, advice, or statement on the web site, nor for any offensive, defamatory, or obscene posting made by anyone other than authorized The Lanrick Group employee spokespersons while acting in their official capacities. Under no circumstances will The Lanrick Group be liable for any loss or damage caused by a Client’s reliance on information obtained through the content of the web site. It is the responsibility of each Client to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content available through the web site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content, including, but not limited to financial, health, or lifestyle information, opinion, advice, or other content.

       The Lanrick Group does not endorse, warrant, or guarantee any product or service offered by a third party through the web site and will not be a party to or in any way monitor any transaction between Client and third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, Client should use his or her best judgment and exercise caution where appropriate.

       Client specifically acknowledges that in no event will The Lanrick Group, its affiliates, or any of their respective employees or agents be liable for any direct, indirect, incidental, special or consequential damages arising out of (i) the use by such Client of any browsers owned or operated by any party and/ or (ii) the downloading of any software owned or operated by any third party in connection with the service.

Indemnification
Client agrees to indemnify and hold The Lanrick Group, its employees, its officers and its agents harmless from and against all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from Client’s use of the web site or from Client’s violation of this agreement or any third party’s rights including but not limited to copyright, property, and privacy rights. This indemnification and hold harmless obligation will survive this agreement and Client use of the web site.

Links to Third-Party Sites
The web site contains hyperlinks to other web sites operated by parties other than The Lanrick Group, and other resources and advertisers. Such hyperlinks are provided for Client’s reference only. The Lanrick Group is not responsible for the availability of these external sites nor is it responsible for any of the content, advertising, products, or other materials on such external sites The Lanrick Group’s inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. Under no circumstances shall The Lanrick Group be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in connection with the use of or reliance on any content, goods, or services available on such external site. Any concerns regarding any external link should be directed to its respective site administrator or web master.

Copyright and Limitations on Use
The information available through this web site is the property of The Lanrick Group or its licensors and is protected by copyright and other applicable laws, treaties, and conventions. All rights reserved. Information received through the web site may be displayed, reformatted, and printed for Client’s personal, non-commercial use only. Client agrees not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the web site to anyone, including but not limited to others in the same company or organization, without the express prior written consent of The Lanrick Group.

Privacy
Personal data provided by each Client to The Lanrick Group would be used only in connection with services provided on the web site and will not be given to others. While The Lanrick Group will seek to require third-party content providers and other parties to adhere to The Lanrick Group’s privacy policies, The Lanrick Group does not bear any responsibility for any actions or policies of such third parties.

Electronic Mail
Electronic mail sent through the Internet is not secure and could be intercepted by a third party. For your protection, avoid sending identifying information, such as account, Social Security or card numbers via email. Further, do not send time-sensitive, action-oriented messages, such as transaction orders, fund transfer instructions, or check stop payments, as it is our policy not to accept such items electronically.

Policy Amendments and Notifications
The Lanrick Group reserves the right to modify or supplement this Disclaimer and Terms of Use at any time. If any material changes are made, The Lanrick Group will post a notice on the home page with a link to the updated policy. Client’s continued use of the web site after The Lanrick Group posts such notice will constitute Client’s acceptance of the new terms and their application to Client’s use of the web site.

Business Continuity Plan Disclosure Statement
LandOak securities, LLC (LOS) has developed a Business continuity Plan (BCP) on how we will respond to events that may significantly disrupt our business.  Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur.  LOS intends to stay in business during a disruption, as we have secured a temporary alternate location for our office in the event there is disruption to the building in which we operate.  Estimates of how long it will take to recover from internal and external business disruptions will vary on the nature and intensity of the disruption.

BUSINESS CONTINUITY PLAN (BCP)

We plan to quickly recover and resume business operations after a significant business disruption and respond by safeguarding our employees and property, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business.  The plan addresses data backup and recovery, all mission critical systems, financial and operational assessments, alternative communications with customers, employees, and regulators, alternate physical location of employees, regulatory reporting, and assuring our customers prompt access to their funds and securities if we are unable to continue our business.

ALTERNATE CONTACT INFORMATION

We are providing alternate contact numbers and information that will allow continued access and service to your account in the event you are not able to reach our home office.  In the event of a Serious Business Disruption in our Tennessee office, we will move our staff from the affected office to 30 Rivendell, Knoxville TN 37922.  The telephone number is 865-567-0075.