The information on this website, related pages, its links, or any documents contained herein, are not meant to be a substitute for professional advice and are intended only to inform, assist, and educate users in the areas of credit and debt management. Advisory Financial and its agents and employees cannot and will not provide legal advice. In some instances, it may be wise to seek professional help from competent legal counsel.
Advisory Financial and its agents and employees, hereby disclaim any responsibility for any consequences of the use by anyone of the information contained at this site.
By use of our website and the links contained herein, and any related service or product offered through our website, either directly or indirectly through an affiliate or associate of our agency users agree to hold Advisory Financial harmless for any and all damages arising out of its use.
By continuing to view any pages of this website you are agreeing to the following Terms and Conditions.
Terms and Conditions of Use
We have taken every effort to design our website to be useful, informative, and helpful. Hopefully we have accomplished that – and would ask that you let us know if you’d like to see improvements or changes that would make it even easier for you to find the information you need and want.
We are not responsible for typographical errors. We reserve the right to cancel any order if there was a typographical error on our site concerning pricing and program description. We reserve the right to change the terms and conditions without notice. No employee, coach or other representative has the right to vary any of the policies or terms and conditions regarding the sale of our products.
All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don’t agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of this website means that you accept those changes.
Restrictions on Use of Our Online Materials
All Online Materials on the Advisory Financial site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by Advisory Financial. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the Advisory Financial site. Any attempts to modify any Online Material, or to defeat or circumvent our security features are prohibited. Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by Advisory Financial or third-party licensers for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You’re not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.
Submitting Your Online Material to Us
That means that we don’t have to treat any such submission as confidential. You can’t sue us for using ideas you submit. If we use them, or anything like them, we don’t have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our Advisory Financial mission, without compensating you or anyone else for them.
You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.
Limitation of Liability
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH ADVISORYFINANCIAL.COM ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. Advisory Financial MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF ADVISORYFINANCIAL.COM OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.
Advisory Financial MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON ADVISORYFINANCIAL.COM OR OF THE SERVICE AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. ADVISORY FINANCIAL MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
Advisory Financial IS NOT A FINANCIAL PLANNER AND THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
Links to Other Sites
The owner of this website is required by the FTC to inform you that a relationship exists between this website and some of the products or services it reviews, recommends or promotes.
It is advisable to assume that any mention of a product or service on this website is made because there exist, unless otherwise stated, a material connection between the product or service owners and this website. It should be understood that any recommendation made by the owner of this site for any product or service has been made in good faith. These recommendations reflect the fact that the owner has either tried the product or service or has extensively researched them and can give an honest opinion to the merit of the product or service. When any website makes any recommendation of a product or service it is advisable to assume the possibility of a material connection or relationship with the owners of those products or services.
Due to the material connection between the owner of this website and the owners of the products or services recommended here, it must be understood that a bias for these products or services might exist. These biases, although based on facts, could have developed because of compensation for such recommendations from the product or service owners although every effort has been made to provide accurate and true reviews of each product or service. Regardless of whether the owner of this website has, or will receive compensation from product or service owners, it should be understood that a relationship exist between the two so there does exist, established or not, the potential for a material connection between product and service owner and the owner of this website. Before entering into any agreement or purchasing any product from this website, it is advisable to understand the potential partiality of the website owner due to possible compensation from the owner’s of products or services recommended on this website. You should perform your own research and exercise due diligence prior to purchasing products or services from any website.
The owner of this website may receive compensation for recommendations made in reference to the products or services on this website. This compensation may be in the form of money, services or complimentary products and could exist without any action from a website visitor. Should you purchase a product or service that was recommended by this website, it is understood that some form of compensation might be made to the website owner. For example, if you click on an affiliate link at this website and then make a purchase of the recommended product or service, the website owner may receive compensation.
This Compensation disclosure statement has been made to inform you of the possibility that a material connection between a product or service mentioned, reviewed or recommended by this website about how to find a person and the product or service owner exist and that compensation to the website owner may be made should you purchase such product or service. Every effort has been made to provide true and accurate statements in regards to any and all products or services mentioned, reviewed or recommended by this website.
Termination of This Agreement
This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all Advisory Financial sites, along with all related documentation and all copies and installations. Advisory Financial may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our websites, we do not in any way promise that the materials will remain available to you. And Advisory Financial is entitled to terminate all or any part of any of its website without notice to you.
Jurisdiction and Other Points to Consider
If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws.
To the extent you have in any manner violated or threatened to violate Advisory Financial and/or its affiliates’ intellectual property rights, Advisory Financial and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of California, and you consent to exclusive jurisdiction and venue in such courts.
Any other disputes will be resolved as follows:
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Orange County CA. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Orange County, CA, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.