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The Black Sheep Citizens Bank

Terms and Conditions

You have accessed Bay Colony Capital, LLC’s Internet Site (the "Site"). It is owned and operated by Bay Colony Capital, LLC ("BCC"). By using or accessing the BCC Site, you agree to be legally bound and abide by the terms and conditions set forth below and elsewhere on this Site.


This Site is not intended for any use that would be contrary to local law or regulation. No portion of this Site is directed at you if BCC is prohibited by any law of any jurisdiction from making the information on this Site available to you. No portion of this Site constitutes investment, legal or other advice nor is it to be relied upon in making an investment decision. No portion of this Site constitutes an offer or an invitation to make an offer to sell securities or to provide investment services of any description.

By registering to use this Site you are agreeing that your personal data may be utilized by BCC and each of its subsidiaries and affiliated entities (each, a "BCC entity") and may be held and processed by any BCC entity and disclosed to third parties, both electronically and manually, by any BCC entity for the purposes of any BCC entity's administration and/or management of its employees, its prospective employees and/or its business, and/or for compliance with applicable policies and procedures, laws and regulations.

E-mail messages may not be secure and may be intercepted by third parties. If you send us an e-mail containing confidential information about you, you agree that you do so at your own risk and that you hold each BCC entity harmless from any loss that you may suffer as a result.


 “Bay Colony Capital”/“BayColonyAdvisors” is the trade name for Bay Colony Capital, LLC and our subsidiaries and affiliates and all designations that comprise, include, or incorporate the term “Bay Colony Capital” in any format and service marks are owned by BCC, and all our rights are reserved. Trademarks, service marks, company names and logos appearing on this Site that are not the property of BCC are the property of their respective owners.


 You acknowledge that this Site is the copyrighted property of BCC, and you further acknowledge that it may contain information, data, software, photographs, graphs, videos, typefaces, graphics, music, sounds, and other material (collectively "Content") that are protected by copyrights, trademarks, service marks, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media, modes of distribution, and technologies existing now or hereinafter developed. All Content is copyrighted individually or as a collective work under applicable copyright laws and treaties, and BCC owns all copyrights in the selection, coordination, arrangement, and enhancement of such Content and in databases pursuant to applicable laws and treaties. If no specific restrictions are displayed, you may make copies of selected portions of the Content, provided that the copies are made only for your personal use.

Subject to specific restrictions that may govern specific portions of the Site, BCC grants to you the right to download, copy, transmit and distribute selected portions of the Site (but not the entire Site) for your legitimate and legal business purposes, provided that you maintain all of the BCC notices, such as all legal notices and disclaimers, copyright notices, trademark legends, or other proprietary rights notices. Except as provided in the preceding sentence or as permitted by the fair use privilege under applicable copyright laws or treaties, if any, you may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other propriety right.

 In addition to the foregoing, use of any software Content shall be governed by the software license agreement applicable to such software. You may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part.


 BCC provides the Site only for your convenience. Neither BCC, nor its affiliates, managing directors, partners, employees or other representatives, warrant that the Site will be uninterrupted or error-free; nor do they make any warranty as to the results that may be obtained from the use of the Site. The Site is provided without warranties of any kind, either expressed or implied, including but not limited to warranties of title or implied warranties of merchantability or fitness for a particular purpose.

Neither BCC nor any other party involved in creating, producing, or distributing the Site shall be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of or inability to use the Site, including but not limited to interruptions, deletion of files or email, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from force majeure, communications failure, theft, destruction, or unauthorized access to BCC's records, programs, or services. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, in such jurisdictions, our liability is limited by the fullest extent permitted by law.


 Should you leave this Site via a link contained herein, and view content that is not provided by BCC, you do so at your own risk. The content to which you link will not have been developed, checked for accuracy, or otherwise reviewed by BCC. BCC is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such Site, whether actual, alleged, consequential or punitive. BCC makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.


Your profile information may be used to create personalized content, services, and advertising on or related to the Site. BCC may also use your profile information to create aggregate reports. Such profile information is anonymous and does not contain any personally identifiable information.

BCC reserves the right to cooperate fully with local, state or national and international officials in any investigation relating to any Content (including personal or private electronic communication transmitted on the Site) or purported unlawful activities of anyone who accesses the Site.


 To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open a new account, we will ask you for your name, date of birth (for an individual), address, which shall be: (i) for an individual, a residential or business street address; (ii) for a person other than an individual (such as a corporation, partnership or trust), a principal place of business local office or other physical location; and (iii) for a U.S. person, a taxpayer identification number (i.e. social security number or employer identification number). We may also ask to see your driver’s license or other identifying documents.


 You represent and warrant to BCC that you will not use this Site or any of its contents for any purpose that is unlawful or prohibited by these terms and conditions. You may not use this Site in any manner that could damage, disable, overburden or impair this Site or interfere with any person’s access to or use of this Site. You may not obtain or attempt to obtain any software, materials, information or data through any means not intentionally made available or provided through this site.


BCC may terminate or suspend your access to all or part of the Site, without notice, for any conduct that BCC, in its sole discretion, believes is in violation of any applicable law or is harmful to the interests of another person, BCC, or its affiliates, managing directors, partners, employees or other representatives.


This Site is controlled and operated by BCC from its offices in Pittsford, New York. These terms and conditions will be construed in accordance with the laws of New York with reference to any conflict of laws provisions. Any dispute arising by virtue of your use of this Site will be resolved exclusively by, and you agree to the exclusive jurisdiction of, the state and federal courts in Rochester, New York.

 Use of this Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions. If any part of these terms and conditions are determined to be invalid or unenforceable, the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the original provision and the remainder of these terms and conditions will continue in full effect. These terms and conditions constitute the entire agreement between the user and BCC with respect to this Site.

The English version of this website shall be in all cases the legal version of this website.

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Terms & Conditions                                                                                                                                        Copyright © 2018 Bay Colony Capital, LLC