The following Terms and Conditions (the “Terms”) govern your access and use of all portions of Viola Risk Advisors, LLC’s (“VIOLA”) Web Site and all content provided therein (the “Web Site”).  Your access and use to the Web Site is also subject to Viola’s subscription agreement.

  1. Acceptance of Terms and Conditions

By accessing or using this Web Site you agree to be legally bound by the Terms.  If you do not agree to all of the Terms, you should not access or use this Web Site, or use or obtain the products and services provided through this Web Site.

  1. Modification of Terms

The Web Site and the Terms may be amended by VIOLA at any time and such amended Terms of Use shall be effective upon posting, without individual or personal notice.   By continuing to access or use the Web Site after such posting, you will be deemed to have accepted such amendments.   It is recommended that you regularly review the Terms to be sure you are familiar with those that are most current.  Notwithstanding the foregoing, VIOLA undertakes no responsibility whatsoever for updating the Web Site or content therein.  This information is current only as of the earlier of its date or the date indicated.

  1. Access at VIOLA’s Sole Discretion

VIOLA reserves the right to restrict, refuse or terminate access of any person to the Web Site or any part thereof effective immediately without notice at any time and for any reason whatsoever at its sole discretion.

  1. General Disclaimer, Financial and Investment Disclaimer, and Limitation of Liability

All information contained on and material obtained by you on this Web Site is provided “As Is” for use at your own risk.  VIOLA disclaims to the fullest extent permitted by law any warranties and representations of any kind, whether express or implied, including, without limitation, warranties of merchantability or fitness, for any purpose and accuracy or for any other warranty which may otherwise be applicable or created by operation of law, custom, trade usage or course of dealings.  VIOLA makes no representation that (i) the Web Site will meet your requirements, (ii) the Web Site will be uninterrupted, timely, secure, or error free, or (iii) the information that may be obtained from the use of the Web Site (including any information and materials on this Web Site) will be compliant, correct, complete, accurate or reliable. 

Users of this website hereby acknowledge the following: (1) they are capable of making their own investment decisions without relying on the content from this website; (2) we are not recommending or selling any securities to our users; and (3) the content contained on this website has not been tailored to a user’s specific investment objectives and should not be construed as investment advice.
Information throughout this website, whether charts, articles, or any other statement or statements regarding market, stocks or other financial information, is obtained from sources which we and our suppliers believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information.
Nothing in this site should be interpreted to state or imply that past results are an indication of future performance. We shall not be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness, or for any delay, error or interruption in the transmission thereof to the user. THERE ARE NO WARRANTIES EXPRESSED OR IMPLIED, AS TO ACCURACY, COMPLETENESS, OR RESULTS OBTAINED FROM ANY INFORMATION POSTED ON THIS OR ANY “LINKED WEBSITE.”
The information contained on this website is not intended to be an inducement, invitation or commitment to purchase, subscribe to, provide or sell any securities, service or product or to provide any recommendations on which visitors to this site should rely for financial, securities, investment or other advice or to take any decision. Visitors to this site are encouraged to seek individual advice from their personal, financial, legal and other advisers in connection with  making any investment or financial decisions or purchasing any financial, securities or investment related service or product.
The information contained on this website is provided for general information and is not comprehensive and has not been prepared for any other purpose. Information on this website should only be viewed by persons permitted by applicable law or regulatory requirements to receive such information. We shall not accept any liability with respect to the accuracy or completeness of any information herein, or omitted to be included herein, or any information provided, or omitted to be provided, by any third party. All information is subject to change without notice. The information may include forward looking statements which are based on our current opinions, expectations and projections. We undertake no obligation to update or revise any forward looking statements. Actual results could differ materially from those anticipated in the forward looking statements.
We will not render specific investment advice to any individual or company via this website. This website is limited to our opinions only. It is for informational purposes only and so should not be construed by a subscriber as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.


You agree not to use the VIOLA Web Site or any VIOLA product in a manner that violates any local, state, national, foreign, or international statute, regulation, rule, order, treaty, or other law.

You agree to indemnify, defend, and hold harmless VIOLA from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from your violation of these Terms, with VIOLA having the exclusive right to control such defense including selecting counsel.

  1. Third Party Content

VIOLA is not responsible for the content of any site owned by a third party that may be linked to this Web Site.  Any link to another site is not an endorsement of such other site or content therein and no judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any such third party site.

  1. Intellectual Property

All intellectual and/or other proprietary rights, including but not limited to all trademarks, copyright and other material, in or disclosed on, or accessible through, the Web Site is, as between you and VIOLA, owned by VIOLA, including but not limited to VIOLA’s articles and newsletters.  Any copying of such content other than for your own personal, non-commercial use, without written permission from VIOLA, is strictly prohibited, and all use of and access to such content is subject to the terms of VIOLA’s subscription agreement.   No right to grant any sublicense or permitted use by any other person (including others in your organization) is permitted.

You will not use any content, any derivation thereof, the names “VRA”, “Viola Risk Advisors” or any other trademark of Viola or any derivations thereof (the “Trademarks”) in any advertising/marketing materials or permit disclosure in any communication in any manner whatsoever.  Without Viola’s consent, you shall not: (i) sublicense, publish, transmit, transfer, sell, reproduce, distribute, display, alter or in any way exploit the content; (ii) combine, mix or integrate the content with other information; (iii) use or actively market the content, other than use for internal purposes; or (iv) distribute the content or any portion thereof

  1. Infringement Claims

VIOLA respects the intellectual property rights of others. 

Any notices of believed infringement may be sent to the agent identified below.   In accordance with 17 U.S.C. 512, the notice must identify:

  • A physical or electronic signature of the copyright owner or person authorized to act;
  • Identification of the copyrighted work claimed to have been infringed;
  • Identification of the material that is claimed to be infringing;
  • Your contact information;
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  • A statement that the information in the notification is accurate and under penalty of perjury, that you are the copyright owner or authorized to act on behalf of the owner.

Notice of copyright infringement claims may be sent to:

Viola Risk Advisors, LLC
7 Diamond Court, Montebello, New York 10901

  1. Jurisdiction for Disputes

These Terms shall be construed in accordance with the laws of the state of New York and any disputes concerning the same or any of the information or materials on VIOLA’s Web Site shall be resolved in the courts of New York.

  1. No Confidentiality of Submissions by You Except as Required by Law

Except as otherwise required by law, any information submitted by you on this Web Site or in connection with your use of this Web Site, is not considered and will not be treated as confidential.