Thank you for visiting www.lbw-wealth.com (our “Website”). By using this Website, you are acknowledging and accepting the disclaimer and agreeing to the terms and conditions. Please read them carefully. If you do not want to agree to these terms, please do not access or use the Website.
The commentary on the Website reflects the personal opinions, viewpoints, and analyses of its publisher, LBW Wealth Management, LLC, and should not be regarded as a description of services provided by its employees or affiliates. This Website is intended to provide general education about the financial industry.
The opinions expressed in the Website are for general informational purposes only, are subject to change at any time without prior notice, and are not intended to provide specific advice or recommendations for any individual or specific security. Nothing on this Website constitutes investment advice, performance data, or any recommendation that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. Any mention of a particular security or its related performance is not a recommendation to buy or sell that security. Any index referenced for comparison purposes is unmanaged and cannot be invested into directly.
The publisher of this Website is not liable or responsible for losses or damages caused or alleged to be caused, directly or indirectly, by the information contained on this website. All investments in securities involve the risk of loss and past performance is no guarantee of future results. The publisher of this Website thoroughly researches information published to ensure that it is accurate and current when posted but cannot guarantee that all information available on the Website is current or has not otherwise been rendered incorrect by subsequent research, legislation, or other changes in law or binding guidance.
Content posted to this Website is not intended to be used as tax, legal, accounting, financial, or professional advice, and readers are encouraged to seek qualified professionals who provide advice in these and related areas for guidance on their specific circumstances. Nothing included on or available from this Website, including any advice, articles, or commentary, was intended or written to be used—and may not be used—by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. Nothing included on or available from this Website constitutes a tax opinion.
Terms and Conditions
We may revise and update these terms from time to time in our sole discretion. Any changes will be effective immediately when posted. Your continued use of the Website means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes.
The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by us, our licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
These terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website. If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of these terms, your right to use the Website ceases immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by us. Any use of the Website not expressly permitted by these terms is a breach of these terms and may violate copyright, trademark, or other laws.
The Website contains message boards that allow users to post, submit, publish, display, or transmit to other users or other persons content or materials (collectively, “User Contributions“) on or through the Website.
All User Contributions must comply with the Content Standards set out below.
Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us (and any licensees, successors, or assigns) the right to use, reproduce, modify, display, distribute, and otherwise disclose to third parties any such material for any purpose.
You represent and warrant that:
You own or control all rights in and to your User Contributions and have the right to grant the license granted above to us (and any licensees, successors, or assigns).
You understand and acknowledge that you are responsible for the User Contributions you submit or contribute, and you, not us, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness. We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.
Monitoring and Enforcement; Termination
We have the right to:
Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates these terms, including the Content Standards below, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for us;
However, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
The following standards apply to any and all User Contributions. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:
Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable;
Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person;
Promote any illegal activity, or advocate, promote, or assist any unlawful act;
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person;
Impersonate any person, or misrepresent your identity or affiliation with any person or organization;
Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising; or
Give the impression that they emanate from or are endorsed by us or any other person or entity (if that is not the case).
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant its accuracy, completeness, or usefulness. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
This Website includes content provided by third parties, including materials provided by other users, bloggers, and third-party licensors. All statements and opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect our opinions. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties (even if accessed through the Website).
Information About You and Your Visits to the Website
Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.
To the fullest extent provided by law, we will not be liable for any loss or damage caused by a distributed denial-of-service attach, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Website or any services or terms obtained through the Website or to your downloading of any material posted on it, or on any website linked to it.
Your use of the Website, its content, and any services or items obtained through the Website is at your own risk. The Website, its content, and any services or items obtained through the Website are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. Neither we nor any person associated with us makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Website. Without limiting the foregoing, neither we nor anyone associated with us represents or warrants that the Website, its content, or any services or items obtained through the Website will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our site or the server that makes it available are free of viruses or other harmful components, or that the Website or any services or items obtained through the Website will otherwise meet your needs or expectations.
To the fullest extent provided by law, we hereby disclaim all warranties of any kind, whether express or implied, statutory, or otherwise, including but not limited to any warranties of merchantability, non-infringement, and fitness for a particular purpose.
The foregoing does not affect any warranties that cannot be excluded or limited under applicable law.
You agree to defend, indemnify, and hold harmless the Website, its operator, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these terms or your use of the Website, including, but not limited to, your User Contributions, any use of the Website’s content, services, and products other than as expressly authorized in these terms or your use of any information obtained from the Website.
Governing Law and Jurisdiction
All matters arising from or relating to the Website and these terms are governed by and construed in accordance with the internal laws of the State of Wisconsin without giving effect to any choice or conflict of law provision or rule (whether of the State of Wisconsin or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these terms or the Website must be instituted exclusively in the federal courts of the United States or the courts of the State of Wisconsin, although we retain the right to bring any suit, action, or proceeding against you for breach of these terms in your country of residence or any other relevant country. By using the Website, you waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
Your Comments and Concerns
This website is operated by LBW Wealth Management, LLC. All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to the Contact Us section of the Website.