"What is the use of living, if it not to strive for noble causes and to make this muddled world a better place for those who will live in it after we are gone?" - Winston Churchill

LEGAL STUFF & PRIVACY POLICY

Legal Stuff

Please note, changes in tax laws may occur at any time and could have a substantial impact upon each person's situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS we are not qualified to render advice on tax or legal matters nor is the information on this site intended for those purposes. Please consult a qualified licensed CPA or attorney for that advice.

This site is published for residents of the United States only. Raymond James Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact Thomas Harding at 800-535-4720 for information and availability.

CharitableAnnuity.com does not recommend or endorse any organizations. We strive to remain objective and support the efforts of all organizations equally. Charitable contributions to a Charitable Annuity are irrevocable. The funds are not guaranteed or insured by any governmental body. Neither Charitable Annuity.com nor its advisors give tax or legal advice; potential donors should consult a tax advisor regarding any tax or legal related questions. Note that this program may not be available to residents of in all states. This material is not intended to be a solicitation for the sale of any particular Commercial Annuity Product. It is provided solely for informational purposes only. The terms and conditions of each Commercial Annuity are outlined in the policy and donor agreement. Each donor along with his tax and legal advisors should review these documents prior to establishing a Charitable Annuity. To obtain copies, please contact CharitableAnnuity.com at 800-535-4720. Rates are typically set using the guidelines established by the ACGA however, each organization can modify those rates and therefore may very from organization to organization, no returns are implied or guaranteed by CharitableAnnuity.com.

Member NASD/SIPC. Securities accounts, if any are carried by and trades cleared through Raymond James Financial Services, Inc. Raymond James Financial is a member of the New York Stock Exchange and traded on the New York Stock Exchange under the symbol RJF.

All inquires will be handled by a representative that is licensed in the state in which you reside.

This Web Site and its Internet address are the sole property of
Thomas E. Harding.

The following  Raymond James Financial Services, Inc. branch offices will be responding to certain inquires made from this web site. This depends on the state in which you live.

18141 W. Catawba Ave
Cornelius, NC 28031
Thomas E. Harding - Branch Manager
California License# 0830184
Minnesota License#61122

199 Fremont Street, 14th Floor
San Francisco, CA 94105
Ron Tunison - Branch Manager

Privacy Policy

CharitableAnnuity.com is committed to maintaining your confidence and trust, and accordingly maintains the following privacy policy to protect personal information you provide online.

Basic Privacy Policy

It is CharitableAnnuity.com's policy that personal information, such as your name, postal and e-mail address or telephone number, is private and confidential. Accordingly, the personal information you provide is stored in a secure location, is accessible only by designated staff, and is used only for the purposes for which you provide the information (such as to reply to, fulfill and follow up on your request). For example, when you request a free PIF planning guide, the personal information you provide will be used to process your request. If you indicate on our site that you would like to receive our free CA information your personal information will be added to our database. We will use the information to process your request and follow up with you regarding the materials you requested from us. If at any time you change your mind and would like to remove your information from our database, or correct your personal information, please send an e-mail to tom.harding@raymondjames.com with the word "REMOVE" in the subject line.

No Release of Information to Third Parties

Personal information will not be released to third parties except to further the purpose for which you provide the information, such as fulfilling your request for free information, or if release is required by law or is pertinent to judicial or governmental investigations or proceedings. We do reserve the right to sell that would include our database of names and information from those organizations and individuals that have submitted their information voluntarily to us using the forms provided at various locations within the web site.

No Computer Tracking of Identifiable Information

Other than the information provided to us voluntarily from our online forms, our computer is not set up to track, collect or distribute personal information about its visitors. It does recognize the home server of visitors, but not e-mail addresses. For example, we can tell which Internet Service Provider our visitors use, but not the names, addresses or other information about our visitors that would allow us to identify the particular visitors to our sites. This information is used only for internal purposes only. Our computer also recognizes the site where a visitor "clicked-to-link" and enter our site, but we cannot identify the visitor or the visitor's address.

Personal Information Collected

Other than the information provided to us voluntarily from our online forms, our web site tracks information about the visits to our web site. For example, we compile statistics that show the daily number of visitors to our site, the daily requests we receive for particular files on our web site, and what countries those requests come from. These aggregated statistics are used internally to better provide services to the public and may also be provided to others, but again, the statistics contain no personal information and cannot be used to gather such information.

Right to Sell

CharitableAnnuity.com and specifically its owner Thomas E. Harding reserve the right to sell the web site and all related materials without notice. We reserve the right to sell all aspects of the site, its contents, URL, database of information collected from submitted requests, etc.