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PLEASE READ THESE TERMS AND CONDITIONS OF SERVICE CAREFULLY BEFORE ACCESSING HIGHLINEWP.COM OR CRUGG.COM (“THE WEBSITE”). BY ACCESSING OR USING THE WEBSITE YOU AGREE TO THE TERMS AND CONDITIONS SET FORTH BELOW. CHARLESWORTH & RUGG, INC., DBA HIGHLINE WEALTH PARTNERS ("HIGHLINE") RESERVES THE RIGHT TO REVISE THESE TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. PLEASE REVIEW THESE TERMS AND CONDITIONS WHENEVER YOU ACCESS OR USE THE WEBSITE. IF AT ANY TIME YOU DO NOT ACCEPT THE TERMS AND CONDITIONS, YOU ARE NOT PERMITTED TO USE THE WEBSITE.

Introduction

Charlesworth & Rugg, Inc., dba Highline Wealth Partners ("Highline") is an investment advisor registered with the Securities and Exchange Commission (S.E.C.) and is located in the State of California.

Highline is in compliance with the current filing requirements imposed upon advisors registered with the S.E.C. and by those states in which Highline maintains clients. Highline may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For information pertaining to the registration status of Charlesworth & Rugg, Inc., dba Highline Wealth Partners, please contact the S.E.C. or the state securities law administrators for those states in which Charlesworth & Rugg, Inc. maintains a notice filing.

Nothing contained in this Website should be construed as a solicitation to offer or recommendation to buy or sell any security, or as an offer to provide advisory services in any jurisdiction where such a solicitation or offer would be unlawful under the securities laws of that jurisdiction.

A copy of Highline's current written disclosure statement, Form ADV Part II, describing Highline's business operations, services and fees is available from Highline Wealth Partners upon written request, as is a copy of our Privacy Policy.

Highline Wealth Partner's Website is limited to the dissemination of general information pertaining to its advisory services and access to periodic Highline newsletters. Highline does not take any responsibility for or make any representations or warranties regarding the accuracy, timeliness, suitability, completeness, or relevance of any information on the Website prepared by Highline. All such information is provided solely for convenience purposes and all users of this information should be guided accordingly.

Highline's Liability
Although Highline strives to ensure that the information contained in this Website is accurate and reliable, we make no representations or warranties regarding the accuracy, reliability, completeness or timeliness of any content or about the results to be obtained from using the Website or any of the content. Changes are periodically made to the Highline Website and may be initiated at any time without notice. Highline does not warrant that its Website will operate without errors or that the Website and its servers are free from computer viruses or other harmful content. By using this Website or its material you agree that Highline Wealth Partners is not responsible for any damage to your equipment or data that may result.

HIGHLINE'S WEBSITE IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESSED OR IMPLIED. WE SPECIFICALLY DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND THE WARRANTY OF FITNESS FOR ANY PARTICULAR PURPOSE. CHARLESWORTH & RUGG, INC., DBA HIGHLINE WEALTH PARTNERS, MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, VIDEOS OR LINKS CONTAINED IN ITS WEBSITE.

Neither Highline Wealth Partners nor any other third party involved in creating, producing or delivering the Website shall be liable for (1) any loss or injury caused by its actions, omissions or negligence involved with procuring, compiling or delivering any information to the Website; (2) any errors, omissions, inaccuracies or delays, regardless of how they are caused; (3) any decisions made or actions taken or not taken in reliance upon the information presented on the Website; (4) any damages or injury resulting from your access to the Website including, but not limited to, computer equipment, data, databases, communication line failures, computer viruses or inability to access the Website; (5) any direct, incidental, consequential, indirect, or punitive damages or losses whether in contract, tort or otherwise arising from access or use of the Website. You use the Website at your own discretion.

Indemnification
By using this Website you agree to defend, indemnify and hold harmless Charlesworth & Rugg, Inc., dba Highline Wealth Partners. and its respective officers, members, directors, employees, and affiliates from and against any claim, action or demand, including without limitation reasonable legal and account fees, resulting from the use of this Website or from any breach of its Terms and Conditions.

Not an Offer
The information contained in the Website should not be considered as a solicitation, recommendations or advice by Charlesworth & Rugg, Inc., dba Highline Wealth Partners, to buy, sell, or continue to hold any security or other investment or take any specific action regarding any tax matter. This information may not be appropriate for you. It is important for you to consider this information, and any other information in the context of your own circumstances and preferences, including, but not limited to, your own investment needs and objectives, including risk tolerance, investment objective, tax circumstances, time horizon and income requirements. Information included in the Website has been obtained from sources believed to be reliable and is solely for informational purposes. Any expressions of opinions are subject to change at any time without notice.

By accessing this Website you acquire absolutely no rights or license in or to the information contained within the Website other than the limited right to use the information in accordance with the Terms and Conditions.

Electronic Mail
Electronic mail submitted to this Website should be considered neither secure nor confidential. Highline Wealth Partners makes no representation whatsoever concerning the security or confidentiality of your electronic messages and specifically makes no representation that any electronic messages submitted through this Website will be received by Highline Wealth Partners.

Privacy Policy
Highline Wealth Partners Privacy Policy is governed by the Charlesworth & Rugg, Inc., dba Highline Wealth Partners, Privacy Policy which is available in the section above.

Jurisdiction
The Agreement formed by your acceptance of these Terms and Conditions of use (as evidenced by your use of this Website) shall be governed by and construed in accordance with the laws of the State of California.

Form CRS (click to download PDF)

Form ADV (click to download PDF)

Disclosures for Digital Asset Articles

Risks
You must evaluate your financial circumstances to determine if trading cryptocurrencies is appropriate for you. You should not invest funds in cryptocurrencies that you cannot afford to lose. The trading of cryptocurrencies can result insubstantial losses, including most if not all of your investment. For that reason, you should not use funds that are earmarked for special purposes, such as retirement funds, debt repayment funds, amounts needed for emergency expenses, tuition or household expenses or funds otherwise required by your lifestyle, to trade cryptocurrencies.

Unique Features of Cryptocurrencies
Cryptocurrencies are digital instruments that are intended to function as a store of value or a medium of exchange.Although cryptocurrencies are often exchangeable for various fiat currencies, unlike fiat currencies, cryptocurrencies are not backed by any government or central bank and do not constitute legal tender. Cryptocurrencies have no intrinsic value and there is no investment underlying cryptocurrencies. The price of cryptocurrencies is based on the agreement of the parties to a transaction, which may or may not be based on the market value of the cryptocurrency at the time of the transaction.

Price Volatility
Cryptocurrencies derive their value from the markets in which they trade, and the markets for cryptocurrencies are global.The price of cryptocurrencies is based on the perceived value of the cryptocurrency and subject to changes in sentiment, which make these products highly volatile and unpredictable. The fluctuations of cryptocurrency prices are much greater than the price fluctuations of fiat currencies, which are also risky to trade. Certain cryptocurrencies have experienced daily price volatility
of more than 20%, including sudden drops in price. If participants in a given cryptocurrency market change their view about the value of a given cryptocurrency versus fiat currency, the price of the cryptocurrency can decline precipitously. It may be difficult to liquidate a position in cryptocurrencies at all or, if possible, such liquidation may occur at a significant loss. It is possible that the market for a given cryptocurrency can collapse altogether.

Valuation and Liquidity
Cryptocurrencies can be traded through privately negotiated transactions and through numerous cryptocurrency exchanges and intermediaries around the world, each with its own pricing mechanism and/or order book. Generally accepted auditing methods for cryptocurrencies do not exist and cryptocurrency platforms do not have consistent methods for auditing their holdings and some do not have audits at all. The lack of generally accepted auditing methods and a centralized pricing source pose a variety of valuation challenges. In addition, the dispersed liquidity may pose challenges for market participants trying to exit a position, particularly during periods of stress.

Cybersecurity
Cryptocurrencies and digital assets are commonly targeted by hackers and criminals who commit fraud, especially through social media platforms. The cybersecurity risks of cryptocurrencies and related “wallets” or spot exchanges include hacking vulnerabilities, cybersecurity attacks and a risk that publicly distributed ledgers may not be immutable. A cybersecurity event could result in a substantial, immediate, and irreversible loss for participants that trade cryptocurrencies. Cryptocurrency transactions may be irreversible, and, accordingly, losses due to a cybersecurity event are not recoverable. Even a minor cybersecurity event in a cryptocurrency is likely to result in downward price pressure on that product and potentially other cryptocurrencies.

Opaque Spot Market
Cryptocurrency markets are volatile and are subject to fraud and other trading aberrations. Cryptocurrency balances are generally maintained as an address on the blockchain and are accessed through private keys, which may be held by a market participant or a custodian. Although cryptocurrency transactions are typically publicly available on a blockchain or distributed ledger, the public address does not identify the controller, owner, or holder of the private key. Unlike bank and brokerage accounts,
cryptocurrency exchanges and custodians that hold cryptocurrencies do not always identify the owner. The opaque underlying spot market poses asset verification challenges for market participants, regulators and auditors and gives rise to an increased risk of manipulation and fraud, including the potential for Ponzi schemes, bucket shops and pump and dump schemes, which may undermine market confidence in a cryptocurrency and negatively impact its price. Most cryptocurrency platforms do not have surveillance
systems and rules intended to prevent market manipulation or other forms of abusive trading nor do they have the ability to enforce such rules.

Cryptocurrency Exchanges, Intermediaries and Custodians
Cryptocurrency exchanges, as well as other intermediaries, custodians and vendors used to facilitate cryptocurrency transactions, are relatively new and largely unregulated in both the United States and many foreign jurisdictions. There are no standard capital requirements for cryptocurrency platforms nor are there guarantors in the event a cryptocurrency exchange fails. The opaque underlying spot market and lack of regulatory oversight creates a risk that a cryptocurrency exchange may not hold sufficient cryptocurrencies or other funds to satisfy its obligations and that such deficiency may not be easily identified or discovered.

In addition to a higher level of operational risk than regulated futures or securities exchanges, cryptocurrency exchanges can experience volatile market movements, flash crashes, fraud, various forms of market manipulation, theft, transaction processing delays and other cybersecurity risks. Trading in cryptocurrencies may be halted by the various trading venues due to unusual trading activity, outages or other problems with a cryptocurrency platform. Those difficulties could prevent you from accessing the cryptocurrency in your account. Crypto traders and exchanges may not have sufficient financial coverage through bonds, insurance or other products to repay your losses.

Before you engage in trading cryptocurrencies, you must become familiar with the platform on which the relevant cryptocurrency trades. Generally, there is limited information about the various cryptocurrency platforms and because these platforms are complex and technically difficult for the average person to understand, you will need to put forth substantial effort to obtain the information necessary to understand the risks you are undertaking. You should understand the functions, operations and uses as well as the history for the platforms on which you invest. As described above, some platforms are subject to a variety of serious attacks, which may result in the loss of your cryptocurrency.

Regulatory Landscape
Different geographic locations have different rules, or oftentimes no rules, that apply to the trading of cryptocurrencies.One or more jurisdictions may, in the future, adopt laws, regulations or directives that affect cryptocurrency networks and their users. Changes in government regulation, such as the suspending or restricting of trading activity in a particular cryptocurrency or currencies, may adversely affect your ability to trade and exchange your cryptocurrencies and may decrease the value of any cryptocurrency in your account.

In the United States, cryptocurrency markets are not subject to federal regulatory oversight, but cryptocurrency exchanges are subject to federal anti-money laundering regulation and may be regulated by one or more state regulatory bodies.

As compared to regulated markets, such as the U.S. securities markets, there are no uniform regulations governing trading or other mechanisms to prevent market manipulation or to normalize the cryptocurrency markets when they experience volatility issues.

Unlike the laws, rules and regulations governing the U.S. securities markets, there are generally no laws, rules or regulations that require anyone to continue to support a cryptocurrency market, and there is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future.
Notwithstanding the foregoing, many cryptocurrency derivatives are subject to regulation by the CFTC. In addition, theSEC has cautioned that many initial coin or “token” offerings are likely to fall within the definition of a security and subject to U.S. securities laws. As a result, cryptocurrencies currently face an uncertain regulatory landscape in the U.S. and many foreign jurisdictions.

Transaction Fees
Many cryptocurrencies allow market participants to offer miners (i.e., parties that process transactions and record them on a blockchain or distributed ledger) the ability to earn a fee. While not mandatory, a fee is generally necessary to ensure that a transaction is promptly recorded on a blockchain or distributed ledger. The amounts of these fees are subject to market forces, and it is possible that the fees could increase substantially during a period of stress. In addition, cryptocurrency exchanges, wallet providers and other custodians may charge relatively high fees as compared to custodians in many other financial markets.

Investor Alerts

A number of governmental and self-regulatory agencies have published information alerting the public of the risks of digital currency. For example, see the CFPB’s Consumer Advisory , the CFTC’s Customer Advisory, the SEC’s Investor Alerts and FINRA’s Investor Alerts such as Bitcoin is a bit more risky, Getting a handle on virtual currencies, Bitcoin basics 9 things you should know about digital currency..

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