Hilltop relies on information from various sources believed to be reliable, including clients and third parties, and cannot guarantee the accuracy and completeness of that information. Nothing in this communication, or in Odds On, should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Hilltop does not provide tax advice and investors are encouraged to consult with their personal tax advisors.

Odds On is a book written by Matt Hall, as a personal manifesto. Odds On helps us explain our investment philosophy, but is not extended as an advertisement for Hill Investment Group, LLC; or its DBA, Hilltop.

Form ADV

You can find a copy of Hilltop’s ADV online by clicking here.

Terms of Use

Investment Recommendation or Advice

We at Hilltop provide investment advisory services only to individuals who become Hilltop clients pursuant to a written investment advisory agreement. Articles, commentaries, investment plans and other content provided by us on or through the Website are for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security.

Hilltop services are based on long-term investment strategies incorporating the principles of Modern Portfolio Theory. Our investment approach is firmly rooted in the belief that markets are "efficient" over periods of time and that investors' long-term returns are determined principally by asset allocation decisions, rather than market timing or stock picking. We recommend diversified portfolios, principally through the use of passively managed, asset-class mutual funds.  We select or recommend to clients portfolios of securities, principally broadly-traded open end mutual funds or conservative fixed income securities to implement this investment strategy.

Our investment advice seeks to limit risk through broad diversification among asset classes and, as appropriate for particular clients, the direct investment in conservative fixed income securities to represent the fixed income asset class. Our investment philosophy is designed for investors who desire a buy and hold strategy.  Frequent trading of securities increases brokerage and other transaction costs that Hilltop’s strategy seeks to minimize.  Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time. Please read the Hilltop Form ADV Part 2 (Brochure) carefully prior to becoming a client.

Trademarks

We work hard to make sure our goods and services are easily recognizable. We do this by associating our goods and services with our trademarks and trade dress (“Mark” or collectively “Marks”). This is why our Marks cannot be used in any manner that is deceptive or disparaging, or in connection with any product or service that is not ours. Without our prior written consent, using a Mark constitutes trademark infringement and unfair competition in violation of federal and state laws.

The following is a non-exhaustive list of our Marks. The absence of a product or service name or logo from this list does not constitute a waiver of trademark or other intellectual property rights.

Hill Investment Group
Hillfolio
Hillfolio®
Take the long view®

For more information on how to use our Marks, please contact us.

Website Content and Material

The information and materials contained in the Hilltop website, including but not limited to these Terms and Conditions and any product information, are subject to change without notice. You are deemed to be apprised of and bound by any such changes. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination and acceptance by us.

Links

Clicking on certain links within the Hilltop website (“the Website”) or certain other websites that are linked to the Website may take you to other websites, or may display information on your computer screen from other websites, which may not be maintained by Hilltop. Such websites may contain terms and conditions, privacy provisions, confidentiality provisions, or other provisions that differ from the terms and conditions applicable to us. Links to other Internet services and websites are provided solely for your convenience. A link to any service or website is not an endorsement of any kind of the service or website, its content, or its sponsoring organization.

We assume no responsibility or liability whatsoever for the content, accuracy, reliability or opinions expressed in a website, to which the website is linked (a “linked website”) and such linked websites are not monitored, investigated, or checked for accuracy or completeness by Hilltop. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on a linked website. All products, services and content obtained from a linked website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy.

No Warranties

All products, services and content on the Hilltop website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. Hilltop does not endorse and is not responsible for the accuracy or reliability of any information on the website. It is your responsibility to evaluate the accuracy, reliability, timeliness and completeness of any information available on the website. Hilltop specifically disclaims any duty to update the information on the website.

You agree to indemnify, defend, and hold Hilltop harmless from any liability, loss, claim and expense, including attorney’s fees related to your violation of these terms of use or the use of the services and information provided at the website.

Limited Liability

Neither Hilltop nor any other party involved in the creation, production or delivery of the information at the website, nor the officers, directors, employees or representatives of Hilltop, are liable in any way for any indirect, special, punitive, consequential, or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the website or the use of the website or a linked website or with the delay or inability to use the website or a linked website, whether or not Hilltop is made aware of the possibility of such damages. This limitation includes, but is not limited to, the transmission of any viruses, data or harmful code that may affect your equipment or anyone else’s equipment, any incompatibility between the website’s files and your browser or other website accessing program, or any failure of any electronic or telephone equipment, communication or connection lines, unauthorized access, theft, operator errors, or any force majeure. Hilltop does not guarantee continuous, uninterrupted or secure access to the website or a linked website. The content, accuracy, opinions expressed, and other links provided by linked websites are not necessarily investigated, verified, monitored or endorsed by Hilltop. The information, software, products and description of services published on the website or a linked website may include inaccuracies or typographical errors, and Hilltop specifically disclaims any liability for such inaccuracies or errors. Changes are periodically made to the information on the website and linked websites. Hilltop may make improvements or changes to the website at any time.

Confidentiality of Information

Hilltop has taken reasonable steps to ensure the confidentiality of information taken at the Website and transmitted via the Internet. However, unexpected changes in technology may be used by unauthorized third parties to intercept confidential information and we cannot be responsible should confidential information be intercepted and subsequently used by an unintended recipient.

Please read our customer Privacy Policy for further information on confidentiality of information.

Electronic Communications

The Website provides you Hilltop e-mail addresses so that you may communicate electronically by sending an e-mail message to Hilltop. All e-mail sent to and from Hilltop will be received or otherwise recorded by the Hilltop corporate e-mail system and is subject to archival, monitoring or review by and/or disclosure to, someone other than the recipient. Communications through the website may involve the electronic transmission, to any e-mail address you provided to us, of information that you may consider to be personal financial information and you agree and consent to such transmission of such information. You agree not to use e-mail to transmit any confidential personal information. It is your responsibility to update or change your e-mail address, as appropriate.

Access and Interference

You agree not to engage in any of the following:

• Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Website or any portion of the Website, without Hilltop’s express written consent, which may be withheld in Hilltop’s sole discretion.

• Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines and search agents available through the Website and other than generally available third-party web browsers (such as Microsoft Explorer).

• Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Website.

• Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Website.

Secured Areas

Access to and use of password protected and/or secure areas of the Website is restricted to authorized users only. Unauthorized persons attempting to access these areas of the website may be subject to prosecution.

Choice of Law

This Agreement shall be governed by Missouri law without regard to its conflicts of laws provisions. Each of the parties hereby irrevocably submits to the exclusive jurisdiction of state courts in St. Louis County, Missouri or, if applicable, federal courts of the Eastern District of the State of Missouri, Eastern Division in any action or proceeding arising out of or relating to this Agreement, and each party hereby irrevocably agrees that all claims and counterclaims in respect of such action or proceeding may be heard and determined in any such court. Each of the parties irrevocably waives any objection, including without limitation, any objection to the laying of venue or based on the grounds of forum non conveniens, which it may now or hereafter have to the bringing of any such action or proceeding in such respective jurisdictions. Each of the parties irrevocably consents to the service of any and all process in any such action or proceeding brought in any such court by the delivery of copies of such process to each party, at its address specified for notices to be given hereunder or by certified mail directed to such address.

Waiver and Severability

Any waiver of any provision contained in these Terms and Conditions shall not be deemed to be a waiver of any other right, term or provision of these Terms and Conditions. If any provision in these Terms and Conditions shall be or become wholly or partially invalid, illegal or unenforceable, such provision shall be enforced to the extent it is legal and valid and the validity, legality and enforceability of the remaining provisions shall in no way be affected or impaired thereby.

If you have any questions about these Terms of Service, please contact us.

Privacy Policy

We at Hilltop take your trust in us seriously, so we’ve provided the following to inform you of the policies and procedures we have in place to protect your privacy. “Personal information” refers to the nonpublic financial information that we obtain in order to fulfill our services.

Information We Collect

We collect personal information as part of our agreement to provide our services and to fulfill legal and regulatory requirements. The type of information that we collect may include:

• Name, address, Social Security number, profile documents, assets and income, or other information collected on various custodial forms

• Details on your personal finances or personal circumstances—either contained on brokerage statements or provided by other sources that you authorize.

Information Disclosed in Administering Products and Services

We do not disclose personal information about current or former clients to non-affiliated third parties except as permitted or required by law. We do not sell any personal information about you to any third party and do not disclose personal information without your authorization, except as required or permitted by law.

Procedures to Protect Confidentiality and Security of Your Personal Information

We have procedures in place that limit access to personal information to those employees who need to know such information in order to perform business services. In addition, we maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

We will update our policy and procedures when necessary to ensure that your privacy is maintained and that we conduct business in a way that fulfills our commitment to you. If we make any material changes to this privacy policy, we will provide you with an updated copy through our website and/or other communications.   

Full Disclosure

Hill Investment Group is an SEC registered investment adviser located in St. Louis, MO. Hilltop is a registered DBA of Hill Investment group. Hilltop’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of Hilltop’s web site on the Internet should not be construed by any consumer and/or prospective client as Hilltop’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by Hilltop with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Hilltop, please contact the state securities regulators for those states in which Hilltop maintains a registration filing. A copy of Hilltop’s current written disclosure statement discussing Hilltop’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or on the Hilltop website. Hilltop does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Hilltop’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

This website and information are provided for guidance and information purposes only.  Investments involve risk and unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy.  This website and information are not intended to provide investment, tax, or legal advice.