LEGAL NOTICES

Last Updated: September 20, 2023

This dependentfinancialplanning.com website is owned and operated by “DEPENDENT FINANCIAL PLANNING” (also referred to as "we", "us", this "website" or this "site"). This site and content provided herein are protected by law, including, but not limited to, United States copyright law and international treaties. The copyrights and other intellectual property rights embodied in this site and content are owned by us and/or third parties. 

We may modify these Legal Notices at any time without prior notice. Please check this page periodically for updates. 

Separate Agreements. You may acquire rights to use products, services, and/or content derived from this site; however, we reserve the right to require that you enter into and agree to separate agreements as a condition of your use and/or purchase of such products, services, and/or content. 

Warranty Disclaimers.

“SERVICE” MEANS THE PUBLIC AREAS OF THIS WEBSITE AND ALL PUBLIC AREAS ACCESSED BY MOBILE DEVICES AND APPLICATION PROGRAMMING INTERFACE (API), BUT EXCLUDES SERVICES THAT HAVE SEPARATE PRIVACY POLICIES WHICH DO NOT INCORPORATE OUR PRIVACY POLICY.

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM DEPENDENT FINANCIAL PLANNING OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY. WITHOUT LIMITING THE FOREGOING, DEPENDENT FINANCIAL PLANNING COMPANY NAME ABBREVIATION ALL CAPS], ITS SUBSIDIARIES, ITS AFFILIATES, AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE, OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR YOUR USE OF THE SERVICE.

FEDERAL LAW, SOME STATES, AND OTHER JURISDICTIONS DO NOT ALLOW THE EXCLUSION AND LIMITATIONS OF CERTAIN IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. THESE TERMS OF USE GIVE YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH VARY FROM STATE TO STATE. THE DISCLAIMERS AND EXCLUSIONS UNDER THIS AGREEMENT WILL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.

Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT, SHALL DEPENDENT FINANCIAL PLANNING, ITS AFFILIATES, AGENTS, DIRECTORS, EMPLOYEES, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THIS SERVICE. UNDER NO CIRCUMSTANCES WILL DEPENDENT FINANCIAL PLANNING BE RESPONSIBLE FOR ANY DAMAGE, LOSS, OR INJURY RESULTING FROM HACKING, TAMPERING, OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR ACCOUNT OR THE INFORMATION CONTAINED THEREIN.

ADDITIONAL DISCLAIMERS:
INFORMATION PROVIDED ON THIS WEBSITE DOES NOT CONSTITUTE PROFESSIONAL ADVICE. IF YOU HAVE LEGAL, TAX, REGULATORY, COMPLIANCE, MEDICAL, FEDERAL, STATE, LOCAL OR FINANCIAL PLANNING QUESTIONS, YOU NEED TO CONTACT A QUALIFIED PROFESSIONAL. 

WE DO NOT INDEPENDENTLY VERIFY, NOR DO WE SEEK INDEPENDENT VERIFICATION OF COMMENTS AND STATEMENTS THAT MAY BE POSTED BY OTHERS IN BLOG OR SOCIAL MEDIA POSTS ON THIS SITE OR AFFILIATED SOCIAL MEDIA SITES REGARDING OUR WEBSITE, ITS PRODUCTS OR SERVICES. FOR THIS REASON, IF OTHERS POST "SUCCESS STORY" OR "BEST-CASE" SCENARIO TESTIMONIALS (AS DISTINGUISHED FROM SUBJECTIVE OPINIONS), YOU SHOULD ASSUME THAT THEIR RESULTS ARE NOT TYPICAL.

STATEMENTS MADE ON THIS WEBSITE HAVE NOT BEEN EVALUATED BY THE U.S. FOOD AND DRUG ADMINISTRATION OR ANY OTHER GOVERNMENT REGULATORY BODY.

NO CLAIMS, REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, IS MADE BY OUR COMPANY AS TO THE WARRANTY, DURABILITY, RELIABILITY, SANITARINESS, SAFETY,  AND PERFORMANCE OF ANY OF OUR COMPANIES' PRODUCTS. FURTHERMORE, OUR COMPANY ACCEPTS NO LIABILITY WHATSOEVER FOR THE SAFETY, RELIABILITY, DURABILITY AND PERFORMANCE OF ANY OF OUR COMPANIES' PRODUCTS OR SERVICES.

THIS SITE IS NOT INTENDED TO CREATE AN ATTORNEY-CLIENT RELATIONSHIP, AND NO ATTORNEY-CLIENT RELATIONSHIP WILL BE CREATED OR LEGAL ADVICE GIVEN THROUGH YOUR USE OF THIS SITE, ITS SERVICES AND CONTENT.  NO SPECIAL RELATIONSHIP OR PRIVILEGE EXISTS BETWEEN YOU AND THIS SITE.  YOU WILL BE REPRESENTING YOURSELF IN ANY LEGAL MATTER YOU UNDERTAKE AS A RESULT OF YOUR USE OF THIS SITE, ITS SERVICES AND CONTENT. THIS SITE PROVIDES (I) ARTICLES, NEWSLETTERS, AND CONTENT FOR INFORMATIONAL PURPOSES ONLY. IN THE PROCESS OF PROVIDING THIS INFORMATION, THIS SITE IS ENGAGED IN THE PUBLICATION OF INFORMATION REGARDING LEGAL ISSUES COMMONLY ENCOUNTERED.  THIS SITE IS NOT A SUBSTITUTE FOR THE ADVICE OF AN ATTORNEY.

WE PROVIDE LINKS TO OTHER SITES FROM THIS WEBSITE FOR YOUR CONVENIENCE. WE DO NOT ENDORSE THESE SITES AND THEY ARE NOT UNDER OUR AUTHORITY. WE ARE NOT RESPONSIBLE FOR THE INFORMATION THESE LINKED SITES PROVIDE OR FOR THE USE YOU MAKE OF THEM. 

ALL TRADEMARKS, SERVICE MARKS, TRADE NAMES, TRADE DRESS, PRODUCT NAMES AND LOGOS APPEARING ON THE SITE ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS. ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED.

ACCURACY OF INFORMATION - WE MAKE EVERY EFFORT TO ENSURE THAT THE INFORMATION AND ITEMS LISTED ON OUR WEBSITE ARE UP TO DATE AND CORRECT.  HOWEVER, THE ACCURACY OF THE INFORMATION IS NOT GUARANTEED, AND IS SUBJECT TO CHANGE WITHOUT NOTICE.  UPDATED INFORMATION MAY NOT BE IMMEDIATELY REFLECTED ON THIS WEBSITE.  FOR A NUMBER OF REASONS, DELAYS MAY OCCUR WHEN POSTING TO THE WEBSITE.  

THIS SITE AND THE INFORMATION PROVIDED HEREIN IS FOR INFORMATIONAL PURPOSES ONLY, AND NO INVESTMENT, TAX, LEGAL, INSURANCE ADVICE IS INTENDED OR GIVEN.  NOTHING ON THIS SITE SHOULD BE CONSTRUED TO BE (I) AN OFFER TO SELL OR A SOLICITATION TO PURCHASE A SECURITY, OR (II) A RECOMMENDATION REGARDING ANY SECURITY.  INFORMATION IN VIDEOS, ARTICLES, AND BLOG POSTS ON THIS SITE THAT DISCUSS SPECIFIC SECURITIES IS GENERAL IN NATURE, IS NOT TAILORED TO THE INVESTMENT NEEDS OF ANY PARTICULAR PERSON, AND SHOULD NOT BE RELIED UPON WITHOUT INDEPENDENT VERIFICATION.  INFORMATION IN VIDEOS, ARTICLES, AND BLOG POSTS ON THIS SITE MAY AFFECT THE MARKET PRICES OF THE SECURITIES DISCUSSED.  INVESTMENT DECISIONS ARE SUBJECT TO CERTAIN RISK FACTORS THAT MAY NOT BE DISCUSSED COMPLETELY, OR AT ALL, ON THIS SITE.  ALL INVESTING INVOLVES RISK. THE VALUE OF YOUR INVESTMENT WILL FLUCTUATE OVER TIME AND YOU MAY GAIN OR LOSE MONEY. WE BELIEVE THAT ANY PERFORMANCE DATA PROVIDED ON THIS SITE IS PROVIDED FROM SOURCES WE DEEM TO BE RELIABLE; HOWEVER, WE DO NOT GUARANTEE THE ACCURACY OR COMPLETENESS OF ANY SUCH DATA AND MAKE NO ASSURANCES WITH RESPECT TO RESULTS TO BE OBTAINED FROM THEIR USE. YOU SHOULD VERIFY ANY SUCH DATA THROUGH YOUR OWN SOURCES. YOUR INVESTMENT DECISIONS AND STRATEGIES SHOULD BE DETERMINED SOLELY BY YOU IN THE EXERCISE OF YOUR OWN JUDGMENT BASED ON YOUR UNIQUE INVESTMENT OBJECTIVES AND FINANCIAL CIRCUMSTANCES. CAREFULLY CONSIDER THE INVESTMENT OBJECTIVES, RISKS, CHARGES AND EXPENSES OF ANY INVESTMENT COMPANY BEFORE INVESTING. A PROSPECTUS CONTAINS THIS AND OTHER IMPORTANT INFORMATION. IF YOU NEED PROFESSIONAL ADVICE, YOU SHOULD CONSULT YOUR OWN PROFESSIONAL ADVISORS.

MARKET VOLATILITY, VOLUME, AND SYSTEM AVAILABILITY MAY DELAY ACCOUNT ACCESS AND TRADE EXECUTIONS.

Additional Policies. Links to additional notices and policies are provided on the bottom of the website pages.

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