Legal Notices & Disclaimers
Disclaimer
Think 2 Retire (“AIA” or “we” or “us”) is not registered as an investment adviser. For all of its publication services. All information on the Think 2 Retire website and shared with website users via email and other communications is for EDUCATIONAL purposes only and should not be construed as investment advice. We are publishers, NOT investment advisors. By using anything on or related to our website, we assume you have done so and acknowledge these terms.
Think 2 Retire relies upon the “publishers’ exclusion” from the definition of investment adviser under Section 202(a)(11) of the Investment Advisers Act of 1940 and corresponding state securities laws. As such, Think 2 Retire does not offer or provide personalized investment advice. Therefore, any communication with Think 2 Retire and its employees is for EDUCATIONAL and COACHING purposes. We publish information about companies, indexes, mutual funds, ETFs, and/or asset allocation models in which we believe our readers may be interested, and this information reflects our sincere opinions. The information that we provide (or that is derived from our website/newsletter) is not and should not be construed in any manner to be, personalized advice. Also, our website/newsletter and the information provided by Think 2 Retire is educational in nature and should not be construed by any subscriber or prospective subscriber as a solicitation by Think 2 Retire to effect, or attempt to effect, any transaction in any security. Investments in the securities markets, are speculative and involve substantial risk. The information that we provide or that is derived from our website/newsletter should not be a substitute for advice from an investment professional. We encourage you to obtain personal advice from your professional investment advisor and to make independent investigations before acting on the information that you obtain from Think 2 Retire or derive from our website/newsletter. Only you can determine what level of risk is appropriate for you.
Any one-on-one phone appointments, product demonstrations, webinars offered by or through Think 2 Retire does not provide or constitute personal advice, does not take into consideration, and is not based on the unique or specific needs, objectives, or financial circumstances of any person, and is intended for educational purposes only.
We encourage our readers to invest carefully and to utilize the information available at the web sites of the Securities and Exchange Commission at http://www.sec.gov, and the National Association of Securities Dealers at http://www.nasd.com. You can review public companies’ filings at the SEC’s EDGAR page. The NASD has published information on its web site about how to invest carefully. Most of the information on our website/newsletter or that we otherwise provide is derived directly from information published by the companies on which we report and/or from other sources we believe are reliable, without our independent verification. Therefore, we cannot assure you that the information is accurate or complete. The information may contain discussions of, or provide access to, certain positions and recommendations as of a specific date. Due to various factors, including, but not limited to, changing market conditions, such discussions and positions/recommendations may no longer be reflective of current discussions and positions/recommendations. We do not in any way warrant or guarantee the success of nor endorse any action which you take in reliance on the information that we provide or that is derived from our website/newsletter.
Our personnel (and affiliates) may own positions in and/or trade the securities mentioned in the information that we provide. However, Think 2 Retire’s policies prohibit all employees of Think 2 Retire from engaging in any securities transactions that will directly or indirectly compete with the interests of our subscribers that are actually known to Think 2 Retire. We are not compensated in any way for publishing information about companies mentioned in our reports.
Testimonials may or may not be representative of actual results.
Performance Figures
Performance figures are based on actual recommendations made by Think 2 Retire and/or its affiliates. Due to the time-critical nature of stock trading, brokerage fees, and the activity of other subscribers, Think 2 Retire cannot guarantee that subscribers will be able to mirror the exact performance stated in our track records or promotions. Because subscribers are free to use Think 2 Retire allocation suggestions as they see fit, individual subscriber returns will vary from those shown on the Think 2 Retire website, emails, and other communications.
Performance numbers shown are based on trades subscribers could enter based on our tracking guidelines. Past results are not necessarily indicative of future performance. Therefore, no subscriber or potential subscriber should assume or expect that the future performance of any investment or strategy will be profitable or equal historical or anticipated performance levels. The information contained in all Think 2 Retire communication is intended for use solely by individual subscribers and is not offered to financial advisors, brokers, Registered Investment advisors, or investment organizations.
LIMITATION ON THINK 2 RETIRE LIABILITY
To the extent not prohibited by law, each subscriber and potential subscriber agrees, prior to accessing or using Think 2 Retire’s website/newsletter or receiving information provided by Think 2 Retire, to release and hold harmless Think 2 Retire and its directors, officers, shareholders, employees, and agents from any and all liability in connection with accessing or using Think 2 Retire’s website/newsletter or receiving information provided by Think 2 Retire. In all other cases, Think 2 Retire’s liability to a subscriber, whether in contract, tort, negligence, or otherwise, shall be limited in the aggregate to direct and actual damages of the subscriber, not to exceed the subscription fees received by Think 2 Retire from the subscriber. Think 2 Retire will not be liable for any consequential, incidental, punitive, special, exemplary or indirect damages resulting directly or indirectly from the use of or reliance upon any material provided by Think 2 Retire or derived from Think 2 Retire’s website/newsletter. Without limitation, Think 2 Retire shall not be responsible or liable for any loss or damages related to, either directly or indirectly, (1) any decline in market value or loss of any investment; (2) a subscriber’s inability to use or any delay in accessing Think 2 Retire website/newsletter or any other source of material provided by Think 2 Retire; (3) any absence of material on Think 2 Retire website/newsletter; (4) Think 2 Retire’s failure to deliver or delay in delivering any material or (5) any kind of error in transmission of material. Think 2 Retire and each subscriber acknowledge that, without limitation, the above-enumerated conditions cannot be the probable result of any breach of any agreement between Think 2 Retire and the subscriber.
DISCLAIMER OF WARRANTY
ANY AND ALL INFORMATION PROVIDED BY THINK 2 RETIRE OR DERIVED FROM THINK 2 RETIRE’S WEBSITE/NEWSLETTER IS PROVIDED “AS IS” AND Think 2 Retire MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
BROKER ALLILIATIONS
Think 2 Retire is not affiliated with any brokerage firm and does not endorse or recommend any specific brokerage firm. Think 2 Retire is not and will not be responsible for any trades a broker makes on the subscriber’s behalf under any circumstances.
ACKNOWLEDGEMENT AND AGREEMENT
Notwithstanding any other agreement or other communications between Think 2 Retire and Subscriber to the contrary, receipt or use of any material provided by Think 2 Retire, at any time and through any means, whether directly or indirectly, represents acknowledgement by such person of this disclaimer and agreement with its terms and conditions.
SUBMISSIONS
All submissions from outside contributors on Think 2 Retire’s website/newsletter are the responsibility of their respective authors, creators, and/or owners. Think 2 Retire is not responsible for such submissions, and the views and opinions expressed are not necessarily those of Think 2 Retire. Think 2 Retire does not guarantee the accuracy or validity of the submissions. While Think 2 Retire may use its best efforts to review contributor submissions for form and format before they are posted on its website/newsletter, Think 2 Retire does not review or edit these submissions for content. Think 2 Retire makes no representations and provides no warranties whatsoever concerning submissions, and the fact that Think 2 Retire has posted these outside contributions does not constitute an endorsement, authorization, sponsorship, or affiliation by Think 2 Retire with respect to the author, creator and/or owner of the submissions. Think 2 Retire expressly disclaims any responsibility and accepts no liability for any information or content provided in these submissions. Please be advised that submissions may be protected by federal and international copyright or other laws, and your right to reprint, republish, modify, reproduce, or distribute this material may be limited accordingly.
INTELLECTUAL PROPERTY
Except as otherwise indicated, Think 2 Retire is the copyright owner of all text and graphics contained on this website/newsletter. Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners. You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website/newsletter, without prior written permission of Think 2 Retire. Permission to use and reproduce documents and related graphics available from this website/newsletter is granted, provided that: 1. the below copyright notice appears in all copies and that both the copyright and this permission notice appear; 2. use and reproduction of documents and related graphics available from this website/newsletter is limited to personal, non-commercial use; 3. no documents or related graphics, including logos, available from this website/newsletter are modified in any way; and 4. no graphics, including logos, available from this website/newsletter are used separate from accompanying text. Use or reproduction for any other purpose is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
ACKNOWLEDGEMENT AND AGREEMENT
Notwithstanding any other agreement or other communications between Think 2 Retire and a subscriber or potential subscriber to the contrary, receiving or using any material provided by Think 2 Retire or accessing or using Think 2 Retire’s website/newsletter, at any time and through any means, whether directly or indirectly, represents acknowledgement by such person of the foregoing legal notices and disclaimers and agreement with their terms and conditions.