Twin Tier Financial

"After having read your site, and talking with you in private, you made everything really easy to follow." - Onisha Williams, Philadelphia, PA

Boring Privacy & Legal Stuff

For the purposes of this privacy statement, the term "Twin Tier Financial" shall mean and include the company Twin Tier Financial, the website located at as well as any officially declared representative of the company within the context of information and services provided on the Internet by Twin Tier Financial for the above named website address. TWIN TIER FINANCIAL DOES NOT RENT OR SELL INFORMATION ABOUT INDIVIDUAL SITE USERS AND CUSTOMERS WITH ANY OTHER PARTY.

Is there any info that is gathered/tracked?

Twin Tier Financial does gather the following information:
  1. Data from customers purchasing products;
  2. Data from visitors downloading or receiving free information products;
  3. Data from visitors subscribing to our newsletters; and
  4. Aggregated tracking information derived mainly by tallying page views throughout our site.

Twin Tier Financial gathers information in the following processes:

When site visitors download or receive free information products from the Twin Tier Financial web site, the email address and any other information provided by the visitor may be stored. Twin Tier Financial offers a free newsletter, and informational and educational articles. Twin Tier Financial gathers the email and physical addresses of site visitors and customers who voluntarily subscribe. Subscribers may remove themselves from this list by clicking an unsubscribe link in emails sent by or on behalf of or by contacting Twin Tier Financial:

Twin Tier Financial
5537 Hamstead Crossing Drive
Raleigh, NC 27612

Tel: (919) 278-7537

Fax: (919) 278-7837

and requesting to be removed from all future mailings and/or communications.

Twin Tier Financial tracks customer traffic throughout our site. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Twin Tier Financial also breaks down overall usage statistics according to a customer's domain name and browser type by reading this information from the browser string (information contained in every visitor's browser) and by 3rd party analytical software. All of this is designed to enhance the end user experience while visiting the Twin Tier Financial website.

Any credit card information that is collected from a website visitor/customer/client during purchase of products is handled entirely through a 3rd party and is not collected or stored by Twin Tier Financial in any way.

The email addresses of visitors downloading free information products are used from time to time by Twin Tier Financial to promote its own products and services. The web site tracking information enables us to better tailor our content to customers' needs and to help us understand the demographics of our audience and measure the results of our marketing activities.

Who is the information shared with?

No information collected during a transaction is shared with any other party other than customer information during credit card transaction validation as described above.

How is the information stored?

Twin Tier Financial does store all customer and visitor information securely in encrypted databases for the sole use of Twin Tier Financial and its infrastructure service providers. Linked sites from the Twin Tier Financial web site are independent from Twin Tier Financial. Twin Tier Financial has no control over the content on that linked web site. Twin Tier Financial does not endorse or accept any responsibility for the content, or the use, of such linked web sites. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature. In no event, will Twin Tier Financial or David C. Lewis be liable to any party for any use of hyper linked websites, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

Disclaimer of Liability

Information and services provided at are supplied "as is" without warranty of any kind (unless a specific product or service carries a manufacturer's warranty), either expressed or implied, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. All information provided on is for educational purposes only and is not intended to replace or substitute personal and professional financial, legal, tax, or other advice for your specific situation and/or circumstance. None of the information on is or should be construed as a recommendation to buy or sell any security, Gold (or any other precious metal), or to invest in any specific investment, life insurance, annuity, or any savings or savings-like vehicle. Likewise, none of the information on is to be construed as tax advice or legal advice.

Twin Tier Financial does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Twin Tier Financial does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. Twin Tier Financial, under no circumstances, including, but not limited to, negligence, shall be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if a Twin Tier Financial authorized representative has been advised of the possibility of such damages.

Copyright Notice

Every item on this site, unless otherwise marked is protected by copyright. Twin Tier Financial, all rights reserved, unless explicitly stated otherwise. This includes all HTML code, text, graphics, databases of information products, and links to resources and other intellectual property which are protected by International Copyright Laws, and may not be copied, reprinted, redistributed, published, resold, re-engineered, reverse engineered, translated, hosted, or otherwise distributed by any means without explicit permission of Twin Tier Financial. If you have any questions about these terms, please call (607) 215-4981. Any password and/or all service access information, username, user ID, subscriber code, and/or password and download locations which you have or will receive(d) from Twin Tier Financial and all information accessible to you through a password-protected area is to be treated by you as private and confidential. You will not permit any such information to be communicated, copied, or otherwise divulged to any other person whatsoever.

Contact Details

Twin Tier Financial
5537 Hamstead Crossing Drive
Raleigh, NC 27612

Twin Tier Financial has been operating since 2005. For background information on David C. Lewis, call or write:

International Association of Registered Financial Consultants
The Financial Planning Bldg.
P.O. Box 42506
Middletown, OH 45042-0506