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Disclaimer, Privacy, Terms and Conditions of Use

This website (“Website”) is maintained by Bay Cliadakis & Associates, LLC dba Altum Wealth Advisors (“AWA”), an investment advisory firm registered with the State of California.


All of the content on this Website is for general informational purposes only and does not constitute a complete description of AWA’s investment services or performance. No information contained on this Website is intended to provide any personalized financial, insurance, legal, accounting, tax, or other professional advice.

This Website is in no way a solicitation, offer, or recommendation to purchase or sell any securities or any other financial products or services. Viewers of this Website will not be considered clients of AWA only by visiting this Website.

Visitors to this Website should not interpret any discussion or information contained herein as personalized advice from AWA. Visitors to this website should discuss specific issues, products, services, or strategies with professional advisors, tax specialists, or attorneys of their choice.

Information in this website is obtained from sources which AWA and AWA’s partners and affiliates believe to be reliable, but AWA does not warrant or guarantee the accuracy or timeliness of this information. AWA shall not be liable for any errors or inaccuracies in the Website, regardless of the cause. Nothing on this Website should be interpreted as a statement or implication that past results are an indication of future performance.


To ensure compliance with requirements imposed by the IRS, this notice is to inform you that any tax advice included in this communication or Website, including any attachments, is not intended or written to be used, and cannot be used, for the purpose of avoiding any federal tax penalty or promoting, marketing, or recommending to another party any transaction or matter.

Website Visitor Privacy Policy

AWA is committed to maintaining the privacy of any nonpublic information we obtain from visitors of our Website. Except as may be required by law, AWA will only disclose nonpublic information of such visitors to AWA’s personnel, affiliates, partners and suppliers to effectively address our business operations. AWA will not sell email addresses or lists under any circumstances.

Privacy Policy on Do Not Track Signals

California law requires us to let users know how our Website responds to web browser Do Not Track (“DNT”) signals. Due to the fact that there is no industry standard for recognizing DNT signals, AWA does not respond to DNT signals at this time.

Linked Websites and Third-Party Content

AWA may make links with, or make references to, other websites operated by third-parties or other content provided by third-parties. AWA has no control of the content provided and AWA has no control of the products and services offered via third-party websites. Such links or references shall not constitute an endorsement of or representation or warranty by AWA and AWA shall not be held liable for any actions, policies, procedures, or activities of any websites linked to the Website.

Copyright Policy

Unless otherwise noted, AWA is the legal copyright holder of the content and material found on the Website. No part of the Website, including of all its contents, may be reprinted, published, or reproduced in any manner without AWA’s prior written permission.

Terms and Conditions of Use

By using the Website, you are agreeing to be bound by these Terms and Conditions of Use. If you do not agree to this Agreement, do not use the Website.

Visitors that use this Website agree to indemnify and hold AWA, AWA’s owners, directors, employees, affiliates, agents, licensors and suppliers harmless against any and all claims, losses, liability, and costs associated with the use of this Website, or from any decisions that they make based on the use of, or information from, the Website. Any visitor reading or using the Website or using any information found on the Website is using this information at their own risk.