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PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS AND INVESTORS CAN LOSE MONEY WITH ALL INVESTMENTS.

YourCapital Portfolio Construction Approach:

We use Modern Portfolio Theory models to create customized portfolios that are appropriate for the risk and return objectives of the client. This approach is used by many on Wall Street to create efficient portfolios and is one of the many approaches that can be used to create customized portfolios for clients. YourCapital makes an effort to create diversified portfolios using historical risk and return data of asset classes and the correlations among these asset classes. Clients need to be aware that correlations among asset classes change over time and during periods of stress, markets can become highly volatile and uncorrelated assets can become correlated, thus adversely impacting investment portfolios.

Selection Of Securities:

We use several criterions to narrow down the selection of ETF's within various asset classes including factors such as tracking error, expenses, and volume. We select ETF's that have low expenses, low tracking error and high liquidity.

User Information:

The accuracy and relevance of customized portfolio advice provided by YourCapital is contingent upon accurate and complete answers to certain questions which YourCapital asks clients in order to assess their risk and return objectives. If the information provided by the client is incorrect, the resulting portfolios will not be suitable and relevant.

Other Links From YourCapital:

YourCapital, from time to time, provides links to other websites not under YourCapital's control as a convenience for you. YourCapital does not endorse the linked Web site, its sponsor, or any of the policies, activities, products, or services offered on the site or by any advertiser on the site. YourCapital cannot attest to or bear any responsibility for the accuracy of the information provided on the linked Web site. The links to other companies provided on the YourCapital's Web site are not intended to imply that the company endorses YourCapital's or its services.

YourCapital is an online financial advisor on www.yourcapital.net. This privacy document describes how we share your personal information when you use our site. If you have questions, please feel to reach us at help@yourcapital.net.

Personal Information:

We collect personal information such as age, income, total assets, return expectations and risk tolerances to determine if you are saving enough for your retirement. We collect your personal information when you sign into the site and answer personal questions. We also collect information about your financial assets when you inform us about your assets or authorize us to communication with your brokerage/custodian to retrieve information about your assets.

Purpose of Collecting Personal Information:

We collect information in order to enhance your financial literacy. Based on the information you provide, we show you how much you are paying in fees and also show you low fee alternatives so you can save on fees and grow your wealth. We do not receive any hidden compensation from any funds we show.

Sharing of Information:

We don't rent or sell your personal information to anyone. We will share your personal information to respond to legal inquiries and court orders and to address any compliance needs.

Protecting Personal Information:

We use security measures, in accordance with the federal law, to protect your personal information.

Changes to Policy:

This policy can change from time to time but we expect the changes to be insignificant.