Legal

401kinvesthelp.com
Disclaimer/Terms of Use/Members Agreement
Disclaimer

401kinvesthelp.com is published for free and does not provide individual investment advice to its subscribers. The information we publish is based on our opinions, as well as our statistical and financial data and independent research. Although we make every effort to provide the most accurate and updated information possible, our information cannot take into consideration your personal finances and goals, and therefore, is not intended to be used as customized recommendation to buy, hold, or sell securities, or engage in any trading strategy. Such recommendations may only be made by a personal advisor or the broker you select.

Most investments involve risk of loss. Although this service makes every effort to protect your principal, you can lose money.  For more information on prudent investing, see also the information available at the websites of the Securities and Exchange Commission at www.sec.gov and the Financial Industry Regulatory Authority at www.finra.org.

Most of the information we publish is derived from primary sources, including the U.S. government agencies, as well as the financial institutions or publicly traded companies we cover. We believe our data sources are accurate, but we do not verify their accuracy independently.  Therefore, we cannot assure you that the information is accurate or complete, nor do we guarantee the success of any investment decision you may make using our data, information, or recommendations.

The material provided by 401kinvesthelp.com to its members (subscribers) is for general informational purposes only and is not intended as investment or financial advice. The information provided by 401kinvesthelp.com is not an offer or solicitation or an offer to sell or buy, or an endorsement, recommendation or sponsorship of any company, security, or fund. The opinions and analyses included in the information are based from sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied, is made as to their accuracy, completeness, or correctness. 401kinvesthelp.com does not assess or guarantee the suitability or profitability of any particular investment or the potential value of any investment or informational source.

It is your, the member’s, responsibility for your own investment research and decisions, and you, the member, should seek the advice of a qualified securities professional before making any investment. Member agrees that members should undertake their own due diligence and that the use of any information from 401kinvesthelp.com is at member’s own risk, and member may lose part or all of member’s investment, and if member engages in margin transactions, member’s loss may exceed the amount invested. Further, past-performance of any information provided by 401kinvesthelp.com is not indicative or a guarantee of future performance and member understands that some results on the web site or electronic communications are the results of back-testing, and, as such, are merely hypothetical. Member acknowledges that 401kinvesthelp.com is not a licensed financial analyst, financial bank, securities dealer, or a financial planner.

401kinvesthelp.com, its employees, directors, agents, the content Providers and any other parties involved in the creation, production, or delivery, or marketing of the Site, or the information disclaim any responsibility and shall not, in any event, be liable for any damages, claims, liabilities, costs or obligations including any indirect, punitive, special, incidental, or consequential damages, including without limitation, loss of use, loss of data, loss of business profits, loss of opportunity, business interruption, personal injury or any other pecuniary loss (collectively the “Damages”) whatsoever and howsoever caused, arising out of or in connection with the use or misuse of the Site or the Information or with the delay or inability to use the site or the information, whether such damages arise in contract, tort, strict liability, negligence, equity, or statute law or by way of any other legal theory, even if 401kinvesthelp.com has been advised of the possibility of damages.

401kinvesthelp.com liability shall be strictly limited to those monies paid-to-date by member. 401kinvesthelp.com disclaims any liability for unauthorized use or reproduction of any portion of the Information or the Site.

No Warranties.

401kinvesthelp.com does not guarantee or warrant the quality, accuracy, completeness, timeliness, appropriateness or suitability of the Information or of any product or services referenced on the Site. 401kinvesthelp.com assume no obligation to update the Information or advise on further developments concerning topics mentioned. The Site and the Information may be changed from time to time without notice. The Site may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. 401kinvesthelp.com IS PROVIDING THIS SITE AND THE INFORMATION ON AN “AS IS” BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER WITH RESPECT TO THE SITE OR THE INFORMATION OR WITH RESPECT TO THE USE OR SUITABILITY OF THE SITE OR THE INFORMATION FOR ANY PURPOSE. THE INFORMATION MAY CONTAIN INACCURACIES, TYPOGRAPHICAL ERRORS, OR OTHER ERRORS. 401kinvesthelp.com disclaims all warranties, representations, and conditions regarding the Site; and the Information, including, without limiting the generality of the foregoing, all implied warranties and conditions or merchantability, fitness for a particular purpose, title, non-infringement, freedom from libelous or privacy-invasive content, freedom from infections of viruses and availability, whether expressed or implied, or arising from a course of dealing, usage, or trade practice.

Terms of Use

By accessing and using the 401kinvesthelp.com service, the information on this web site (the “Site”) or electronic communications, you, the member, are agreeing to be bound by these terms of use, conditions, and disclaimer (”Terms of Use”) and all applicable laws and regulations. If you do not agree with any part of these Terms of Use, you must immediately discontinue any use of the Site. These Terms of Use may change from time to time without notice, and it is the member’s responsibility to check for updates. By using this Site, you, the member, are agreeing to be bound by the then current version of these Terms of Use. The last revision date for these Terms of Use is set forth below.   Content/Reserved Rights

401kinvesthelp.com either owns the intellectual property rights, or has acquired the necessary permissions from content providers or suppliers, in all of the content, information, software, products, and services on this Site and in electronic communications transmitted to members from time to time, including all text, HTML code, multimedia clips, images, graphics, icons, code, and the selections and arrangement of the contents (collectively the “Information”).

Restriction on Use/Limited License – Individual Members

401kinvesthelp.com grants the members a limited non-exclusive, non-transferrable license to use, display on the member’s computer, download, and print short extracts of the Information for your own personal and non-commercial purposes only, provided that:

Member is prohibited from modifying any of the Information on the website.
Member can not download any of the Information for use in third party programs.
Member acknowledges that all copyright and other proprietary notices are retained.
Member agrees to abide by these Terms of Use. Member will not make the information available to third parties.

No other use of the Information is permitted. Without limiting the generality of the foregoing, member may not:

Copy, distribute, transmit, display, perform, reproduce, publish, license, sublicense, create derivative works from, transfer, or sell any of the Information.

Use any of the Information for any commercial purpose, or for any public display (commercial or non-commercial).

Include any of the Information or reference thereto in or with any information, product or service that you create, distribute or provide.

Copy or transfer any of the Information onto member’s own web site or any other web site or server.

401kinvesthelp.com retains the right to terminate any time, and without cause, member’s subscription or access to the services provided to member.

Communications

Member shall provide 401kinvesthelp.com with an accurate and current e-mail address, and keep member profile updated. 401kinvesthelp.com is under no obligation to obtain an accurate e-mail address from member or update member’s profile. The updating of this information shall be member’s sole responsibility.

Links

This Site may contain links to other Internet sites, which are provided to member for reference only and were independently developed by parties other than 401kinvesthelp.com.

401kinvesthelp.com is not responsible for the contents of any such linked sites and does not assume any responsibility for the accuracy or appropriateness of the information contained at such sites The inclusion of any link does not imply endorsement by 401kinvesthelp.com of the site. Use of any such linked site is at the user’s own risk.

No Endorsement

Reference to any third party information, product, process, or services at this Site or any linked site is not an expressed or implied endorsement by 401kinvesthelp.com.

Subscription Based Content

Some contents and/or services on this Site may be offered to member conditioned on member’s payment of subscription fees. If member elects to purchase subscription-based content/services and transmit to 401kinvesthelp.com a subscription purchase request, member warrants that all information that member submits is true and accurate (including without limitation member’s credit card number and expiration date), and member agrees to pay all subscription fees member incurs for the use of the 401kinvesthelp.com website. Member agrees that these Terms of Use will apply to member’s subscription. Member also agrees to be bound by any additional terms of use. This Site may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. Although 401kinvesthelp.com makes every reasonable effort to minimize such downtime, 401kinvesthelp.com does not guarantee 100% availability of the Site. Member’s subscription is personal to member and member may not transfer or make available member’s account name and password to others, including without limitation, member’s co-workers. Any distribution by member of member’s account name and password may result in cancellation of member’s subscription without refund and additional charges based on unauthorized use.

Automatic Renewal

By subscribing, member agrees to have member’s subscription renewed automatically and billed to member’s credit card at the beginning of each subscription period until member cancels the service. Member may cancel at any time, but IT IS MEMBER’S RESPONSIBILITY TO INITIATE THE CANCELLATION REQUEST AND TO FOLLOW UP IF MEMBER’S CANLLATION REQUEST IS NOT ACKNOWLEDGED. If member wishes to cancel member’s subscription, member may do so through the procedure described in our Refund Policy.

No Solicitation

No part of this Site should be taken to constitute an offer or solicitation to buy or sell products or services. Some products or services mentioned on this Site may only be available in certain areas or jurisdictions. Any products or services mentioned on this Site are made available in accordance with local laws and only where they may be lawfully offered for sale.

Confidentiality Warning

Absent the use of encryption, the Internet is not a secured medium, and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forgery. 401kinvesthelp.com will not be responsible for any damages member or any third party may suffer as a result of the transmission of confidential information that member may make to 401kinvesthelp.com through the Internet, or that member expressly or implicitly authorizes 401kinvesthelp.com to make, or for any errors or any changes made to any transmitted information.

Computer Viruses

While efforts are made to ensure that the Information provided at this site does not contain computer viruses, member should take reasonable and appropriate precautions to scan for computer viruses and should ensure that member has a complete and current backup of the applicable items of information contained on member’s computer system.

Conformance with Law

Member agrees that member’s use of this Site will not violate any applicable local, national, or international law, including, but not limited to, any regulations having the force or law. Some jurisdictions may have restrictions on the use of the Internet by their residents. Member agrees not to impersonate any person in member’s use of the Site or the sending of any e-mail to an address listed on the Site.

Severability

If any provision of these Terms of use is determined to be invalid or unenforceable, the provision will be enforced to the maximum extent permissible, and the remaining provisions of these Terms of Use will still be valid.

Definitions

Member is any individual who consents to this agreement and member will be held liable to 401kinvesthelp.com for damages, both actual and punitive, expenses of litigation, legal fees, court costs and any incidental damages resulting from unauthorized use of the website..

Governing Law

The laws of the State of Michigan will govern as to the interpretation, validity, and effect of these Terms of Use and as to any dispute or claim based on your use of the Site or the Information, notwithstanding any conflict of laws provisions of your domicile, residence, or physical location.

Legal Forum

Any dispute between the parties that results in litigation shall be exclusively heard in the Courts sitting in Ottawa County, Michigan.

Thank you,

401kinvesthelp.com