The following is the terms and conditions for this website. Please read it carefully. 403bwise.com is operated by bWise Guys, LLC. bWise Guys, LLC is not a registered investment advisor or broker dealer and does not provide investment advice to individuals. None of the website content, Advisor Directory, trading room, or voice chat room content should be construed as a recommendation or solicitation to buy or sell any security or as investment advice, or as advice on who to choose as an Advisor. All contents of the website are provided for information and educational purposes only. While information and commentary provided or referenced comes from sources believed to be reliable, this cannot be guaranteed. Your investment decisions are solely your responsibility and it is highly recommended that you consult a licensed financial advisor or broker, attorney, or your CPA, before making any and all investment or financial decision. By accessing 403bwise.com you have read, understood and agree to be legally bound by the terms of the following disclaimer and user agreement:
This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.
Scope of Agreement
Under this agreement, 403bwise.com provides an online information center for 403(b) participants nationwide. 403bwise.com also provides an Advisor Directory of CFP®s who have taken a fiduciary pledge. By using the website and Advisor Directory, you in turn agree to be bound by this Agreement. We reserve the right to change this Agreement and/or our services at any time.
Scope of Service
All contents of the website are provided for information and educational purposes only. You agree that none of the website content should be interpreted as investment advice, as an endorsement of any security, or as an offer to buy or sell any security. 403bwise.com does not provide personal investment advice. We are a publicly available service that provides general information. We encourage all investors to use the information on the site as a resource only to further their own research. Commentary and data comprising the website are for informational and educational purposes only and are provided without warranty of any kind. In no event will 403bwise.com or bWise Guys, LLC be liable for any direct, indirect, consequential, or incidental damages arising out of any decision made or action taken by you in reliance on the content of the website, whether or not caused in whole or part by our negligence.
All content of the website is obtained from sources believed to be accurate and reliable. Although we attempt to research thoroughly on information provided herein, there are no guarantees in accuracy. The information presented on the site has been gathered from various sources believed to be providing correct information. bWise Guys, LLC and 403bwise.com and its associates and/or employees are not responsible for errors, omissions or representations on any of our pages or on any links on any of our pages if any in the content provided on the site. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENTNESS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE SERVICE.
This website and its services may contain links to other websites belonging to 403bwise.com's advertisers, business partners, affiliates and other third parties. Such links do not constitute an endorsement by 403bwise.com of those Web sites, nor the products or services listed on those Web sites. 403bwise.com is not responsible for content found on any linked sites and cannot attest to the accuracy, reliability, or appropriateness of any such content, or be held in any way responsible for it.
This website will contain articles contributed by several individuals. The views are exclusively their own and do not necessarily represent the views of the website or its management. The linked sites are not under our control and we are not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites.
DISCLAIMER OF ANY WARRANTIES
YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK AND IS PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. bWise Guys, LLC and 403BWISE.COM MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH 403BWISE.COM. YOU EXPRESSLY AGREE THAT YOUR USE OF 403BWISE.COM AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH 403BWISE.COM IS AT YOUR SOLE RISK.
bWise Guys, LLC and 403BWISE.COM DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH 403BWISE.COM, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH 403BWISE.COM. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH 403BWISE.COM. 403BWISE.COM and bWise Guys, LLC MAKE NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM 403BWISE.COM IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.
LIMITATION OF LIABILITY
bWise Guys, LLC and 403BWISE.COM SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES THAT INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS, AS A DIRECT OR INDIRECT RESULT OF YOUR USE OR RELIANCE ON ANY OF THE INFORMATION OR OTHERWISE ARISING OUT OF THE USE OF 403BWISE.COM, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF 403BWISE.COM AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
Indemnification; Governing Law; Jurisdiction
You agree to defend, indemnify, and hold us, our employees, and other representatives harmless from and against all liabilities, damages, claims, actions, costs, and expenses (including attorney fees) in connection with or rising from your breach of this Agreement.
This Agreement is to be governed by and construed in accordance with the internal laws of the State of California, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Agreement, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in California. You and bWise Guys, LLC/403BWISE.COM shall select the arbitrator, and if agreement on the selection of an arbitrator can not be reached within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs. Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and bWise Guys, LLC/403bwise.com and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or bWise Guys, LLC/403bwise be entitled to punitive damages and both you and bWise Guys, LLC/403bwise.com hereby waive any rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.
The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.