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Terms & Conditions

Welcome to www.WealthandTax.com (“Site”). The following terms of use ("Terms & Conditions") govern your use of this Site, and any content made available from or through this Site.

We may change the Terms & Conditions from time to time, at any time without notice to you, by posting such changes on the Site. If you do not agree with these Terms & Conditions, please do not use this Site. Your use of this Site constitutes your agreement to be bound by, and to act in accordance with, these Terms & Conditions.

Definitions

The Terms & Conditions set forth the legally binding terms for your use of the Site. By using the Site, you agree to be bound by the Terms & Conditions, whether you are a “Visitor”, “Registered User”, “Subscriber”, or “Member”. These terms are defined, below.

A “Visitor" is someone who simply browses the Site. A "Registered User" is someone who has registered with the Site. A "Subscriber" or “Member” is someone who has registered with the Site and pays for access to premium content and features. The word "User" refers to a Visitor, Registered User, Subscriber, or Member.

Description of Services

The Site may provide you with access to a variety of resources (“Services”) including general information, communication facilities, content downloads, event calendars, etc.. The Site may include a Members section that can be accessed only by Site staff and Members. The Services, including any updates, enhancements, and new features, are subject to the Terms & Conditions.

The Services and content provided on the Site are for general informational and educational purposes only. The Services are not intended to provide personalized financial, investment, legal, tax or insurance advice. Although the Site may provide information relating to Financial Planning, Investments, Estate Planning, Tax and Insurance, you should not construe any of our Services as financial, investment, legal, tax, insurance or other advice.

The information on the Site is broad in scope, impersonal, and not attuned to any specific portfolio or the investment needs of any specific person. Your personal financial situation is unique, and any information and advice obtained through the Site may not be appropriate for your specific situation. Accordingly, before making any final decisions, making any investments or implementing any financial strategy, you should obtain additional information and advice from financial, legal and/or tax advisers who are fully aware of your individual circumstances.

IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE, OR OBTAINED FROM THIRD PARTIES OR FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, SERVICE OR OTHER CONTENT. THE MATERIALS AND CONTENT OFFERED BY SITE OWNER AND ITS CONTENT PROVIDERS ARE NOT INTENDED TO AND DO NOT CONSTITUTE PROFESSIONAL ADVICE.

This Site is designed to provide knowledge for informational and educational purposes only and does not constitute a recommendation or endorsement with respect to buying, holding or selling any company, security or investment. Site Owner does not provide individual investment advice, manage money, sell investment products or act as an investment advisor. Therefore, you should always seek the advice of an investment professional or other appropriate financial advisor regarding your particular situation.

PRIOR TO THE EXECUTION OF A PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT, YOU ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL ADVISOR. WE SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED UPON, OR THE RESULTS OBTAINED FROM, THE CONTENT PROVIDED HEREIN. NOTHING CONTAINED IN THE SITE SHALL BE CONSTRUED AS INVESTMENT ADVICE. SITE OWNER IS NOT A REGISTERED BROKER-DEALER OR INVESTMENT ADVISOR AND DOES NOT GIVE INVESTMENT ADVICE OR RECOMMEND ONE PRODUCT OVER ANOTHER.

Information posted to the Site is taken from sources believed to be reliable, and the information is believed to be accurate at the time it is posted to the Site. However, there is no way to ensure that the information is accurate at any particular moment in time.

Use of Site Services and Site Content

Use of Site content (documents, whitepapers, graphics, logos, software, forums, polls, etc.) is for informational, educational, entertainment and non-commercial (personal) use only.

You may not modify any content, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, post on any network, broadcast in any media or sell any information, software, products or Services obtained from the Site unless expressly permitted by the Site Owner.

Portions of the Site may be protected by trademark and other laws, and may not be copied in whole or in part. Content other than that belonging to the Site Owner is licensed or otherwise published by the Site Owner with the permission of the owner of the material. All rights in such materials are reserved to the respective owners.

Use of User-Submitted Content

If you send or post any information, material or content to or via the Site by any means, including but not limited to any data, questions, comments, suggestions, etc., all such information, material and content are non-confidential and non-proprietary.

Anything you send or post to, or via, the Site may be used by Site Owner and/or its affiliates for any purpose. Such purpose may include, but is not limited to, reproduction, disclosure, transmission, retransmission, publication, republication, broadcast, posting, archiving and creation of derivative works, without any compensation to you.

Furthermore, Site Owner and/or its affiliates and agents are free to use, without any compensation to you, any ideas, concepts, know-how or techniques contained in any information, material or content you send or post to or via the Site for any purpose whatsoever, including, but not limited to, developing, creating, manufacturing, marketing and selling products and services using such information, material and content.

Exclusion of Warranties

Site Owner cannot guarantee the security of any information you provide to Site Owner through this Site. Site Owner makes no warranties or representations about the security of the information you provide and disclaims all liability associated with the unauthorized disclosure or use of your information by a third party.

YOU HEREBY RELEASE AND FOREVER DISCHARGE SITE OWNER AND ITS MEMBERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR INFORMATION OR ANY CONSEQUENCES RESULTING THEREFROM.

Although Site Owner tries to provide accurate and timely information through its Site, there may be inadvertent technical or factual inaccuracies and typographical errors. Site Owner reserves the right to make changes and corrections at any time, without notice.

THE INFORMATION PROVIDED THROUGH THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." SITE OWNER DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ITEMS CONTAINED IN THE SITE. SITE OWNER PROVIDES NO GUARANTEE AGAINST THE POSSIBILITY OF DELETION, MISDELIVERY, OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS OR OTHER DATA. SITE OWNER EXPRESSLY DISCLAIMS ALL LIABILITY FOR ERRORS OR OMISSIONS IN, OR THE MISUSE OR MISINTERPRETATION OF, OR RELIANCE UPON, ANY INFORMATION CONTAINED IN THE SITE. SITE OWNER MAY CHANGE INFORMATION CONTAINED IN THE SITE AT ANY TIME AND MAKES NO COMMITMENT TO UPDATE THE INFORMATION CONTAINED IN THE SITE. YOU ASSUME THE ENTIRE RISK AS TO THE USE OF THE SITE.

TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, SITE OWNER AND ITS AFFILIATES AND AGENTS (INCLUDING THIRD PARTY SERVICE PROVIDERS) HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. SITE OWNER 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.

Site Owner tries to maintain this Site and its operation, but is not, and cannot be, responsible for any defect that may exist in the Site or its operations.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER OR OTHER ELECTRONIC SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. AS TO THE OPERATION OF THE SITE, SITE OWNER HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

Limits of Liability

UNDER NO CIRCUMSTANCE SHALL SITE OWNER BE LIABLE FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE OR ANY MATERIAL IN THIS SITE, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE SITE OR INFORMATION AVAILABLE IN THE SITE. SITE OWNER SHALL NOT BE LIABLE EVEN IF SITE OWNER OR ITS AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. These include but are not limited to damage or injury caused by error, omission, interruption, defect, failure of performance, delay in operation or transmission, line failure or computer virus, worm, Trojan horse or other harmful component.

Applicable law may not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations or exclusions may not apply to you. However, IN NO EVENT SHALL SITE OWNER’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACTOR IN TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE.

Site Owner may market and sell products and services on or through this Site including, without limitation, books and other information. You agree that Site Owner shall not be responsible or liable for any loss or damage of any sort incurred as the result of the marketing and sale of any such products or services. You release Site Owner (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with the marketing or sale of such products or services or the use thereof.

External Links

This Site may contain hyperlinks to websites operated by third parties other than Site Owner. Such hyperlinks are provided for your reference only. Site Owner does not control such third party websites and is not responsible for their contents. Site Owner’s inclusion of the hyperlinks to such websites does not imply any endorsement of the material on such website or any association with their operators.

Site Owner does not make any representations regarding the content or accuracy of information on such third party websites. If you access any of the third party websites linked to this Site, you do so entirely at your own risk. Use of any information obtained from such websites is voluntary, and reliance on it should only be undertaken after an independent and thorough review of its accuracy, completeness, efficacy and timeliness.

Unlawful or Prohibited Use

As a condition of your use of the Services, you will not use the Services for any purpose that is unlawful or prohibited by these Terms & Conditions. You may not use the Services in any manner that could damage, disable, overburden, or impair the Site, or interfere with any other party's use and enjoyment of the Services.

You may not attempt to gain unauthorized access to any Services, computer systems or networks connected to any Site Owner server or to any of the Services. You may not obtain or attempt to obtain any materials or information through any means not deliberately made available through the Services.

Use of Communication Services

The “Communication Services” may contain forums, calendars, and/or other message or communication facilities designed to communicate with you. You agree to use the communication services only to view and post messages and material that are proper and, when applicable, related to the particular communication service. By way of example, and not as a limitation, you agree that you will not:

Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise).
Advertise or offer to sell or buy any goods or services.
Publish, post, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name,material or information.
Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary right of any party.
Provide links to files that contain viruses,Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.
Download any file posted by another user of a Service that you know, or reasonably should know, cannot be legally reproduced,displayed, performed, and/or distributed in such manner.
Falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services. Violate any code of conduct or other guidelines which may be applicable for any particular Service.
Harvest or otherwise collect information about others, including e-mail addresses.
Violate any applicable laws or regulations.
Create a false identity for the purpose of misleading others.
Use, download, copy, or provide (whether or not for a fee) to a person or entity any directory of users of the Communication Services or other user or usage information or any portion thereof.

Always use caution when giving out any personally identifiable information in any Services. Site Owner does not control or endorse the content, messages or information found in any Communication Services and, therefore, Site Owner specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Services.

Termination or Suspension of Service

Site Owner reserves the right to review materials posted to the Site and to remove any materials at its sole discretion. Site Owner reserves the right to terminate your access to any or all of the Services at any time, without notice, for any reason whatsoever.

Jurisdiction and Choice of Law

Any dispute arising out of the use of this Site, the Services or availability thereof, the construction or interpretation of these Terms & Conditions, or anything related or similar thereto is governed by the laws of the United States, without any reference to conflicts of laws rules or principles.

Indemnity by You

You agree to indemnify, hold harmless and defend Site Owner, its members, directors, officers, employees, agents, subsidiaries, and affiliates, and their respective successors and assigns, from and against any action, cause, claim, damage, debt, demand or liability including costs and reasonable attorney fees, asserted by any person, arising out of or related to: (i) these Terms & Conditions; (ii) your use of this Site, including any data or work downloaded, transmitted or received by you; and (iii) any libelous, slanderous, indecent or other statement concerning any person made or republished by you.

Privacy

Use of the Site and/or the Service is also governed by our Privacy Policy.

Entire Agreement

These Terms & Conditions contain the entire agreement between you and Site Owner regarding the use of the Site and/or the Services. If any provision of these Terms & Conditions is held invalid, the remainder of these Terms & Conditions shall continue in full force and effect.

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