Welcome to the MoneyGuide access promotional offer. By accepting these terms, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not continue on and purchase access to the product(s) offered in this Promotion.

1. Acceptance of Agreement.

   You agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement") with respect to the promotional offer to gain access to MoneyGuide (the "Promotion"). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Promotion, the content, products or services provided by or through the Promotion, and the subject matter of this Agreement. This Agreement may be amended at any time by us from time to time without specific notice to you. This Agreement should be reviewed prior to purchasing the product(s) offered in this Promotion.

2. Copyright.

   The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Promotion are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Promotion, except as allowed by Section 4, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Promotion. The posting of information or materials in the Promotion or on the firm’s website does not constitute a waiver of any right in such information and materials.

3. Service Marks.

   Products and names mentioned in the Promotion are assumed to be trademarks of their respective owners.

4. Limited Right to Use.

   The viewing, printing or downloading of any content, graphic, form or document from the Promotion grants you only a limited, nonexclusive license for use solely by you for your own personal, individual use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for your personal use (but not for resale or redistribution).

5. Editing, Deleting and Modification.

   We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing in the Promotion.

6. Indemnification.

   You agree to indemnify, defend and hold us and our partners, attorneys, staff, advertisers, product and service providers, and affiliates (collectively, "Affiliated Parties") harmless from any liability, loss, claim and expense, including reasonable attorney's fees, which result from or may be related to, in any manner whatsoever, your violation of this Agreement or your use of the product(s) offered in the Promotion.

7. Nontransferable.

   Your right to access the Promotion or to use the product(s) offered in the Promotion is not transferable. Any password or right given to you to access or obtain information or documents or access any offers is not transferable.

8. Disclaimer and Limits.

   THE INFORMATION FROM OR THROUGH THE PROMOTION IS PROVIDED "AS-IS," "AS AVAILABLE," AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE PRODUCTS, INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, WRONG ASSUMPTIONS, PROBLEMS OR OTHER LIMITATIONS. WE AND OUR AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, WE AND OUR AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN US AND YOU. THIS PROMOTION AND THE PRODUCTS, SERVICES, AND INFORMATION PRESENTED WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE PROMOTION SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. WE DO NOT PROVIDE LEGAL ADVICE NOR ENTER INTO ANY ATTORNEY-CLIENT RELATIONSHIP.

   WE DO NOT PROVIDE FINANACIAL ADVICE AND WE ARE NOT YOUR FINANCIAL ADVISOR AS A RESULT OF THIS PROMOTION.

   ALL RESPONSIBILITY OR LIABILITY FOR ANY DAMAGES CAUSED BY VIRUSES CONTAINED WITHIN THE ELECTRONIC FILE CONTAINING THE FORM OR DOCUMENT IS DISCLAIMED. WE WILL NOT BE LIABLE TO YOU FOR ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OF ANY KIND THAT MAY RESULT FROM USE OF OR INABILITY TO USE OUR PROMOTION. OUR MAXIMUM LIABILITY TO YOU UNDER ALL CIRCUMSTANCES WILL BE EQUAL TO THE PURCHASE PRICE YOU PAY FOR ANY GOODS, SERVICES OR INFORMATION.

9. Use of Information.

   We reserve the right, and you authorize us, to the use and assignment of all information collected by us as you accessed the Promotion (and your information shared with us by Merchants of the product(s) offered in the Promotion). This information can be used in any manner that is consistent with our Privacy Policy, which means that we will never share it with a non-affiliated business. All remarks, suggestions, ideas, graphics, or other information communicated by you to us through the Promotion or the product(s) purchased via the Promotion (collectively, the "Submission") will forever be the property of SMI Advisory Services. Without limitation, SMI Advisory Services will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. SMI Advisory Services will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission. You acknowledge that you are responsible for whatever material you submit, and you, not SMI Advisory Services, have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

10. Third-Party Services.

    We may allow access to or advertise third-party product or service providers ("Merchants") from which you may purchase (or obtain) certain goods or services. You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. Merchants will share the information that you provide to them with us. You agree that use of such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT PROMOTIONS OR ANY OTHER PROMOTION LINKED TO OUR PROMOTION.

11. Third-Party Merchant Policies.

    All rules, policies (including privacy policies) and operating procedures of Merchants will apply to you while on such Promotions. We are not responsible for information provided by you to Merchants. We and the Merchants are independent contractors and neither party has authority to make any representations or commitments on behalf of the other. However, Merchants will share your information with us.

12. Privacy Policy.

    Our Privacy Policy, as it may change from time to time, is a part of this Agreement.

13. Payments.

    You represent and warrant that if you are purchasing something from us or from Merchants that (i) any credit information you supply is true and complete, (ii) charges incurred by you will be honored by your credit card company, and (iii) you will pay the charges incurred by you at the posted prices, including any applicable taxes.

    There are no refunds of purchases made in response to Promotions, neither in part or in whole.

14. Securities Laws.

    This Promotion may include statements concerning our operations, prospects, strategies, financial condition, future economic performance and demand for our products or services, as well as our intentions, plans and objectives (particularly with respect to product and service offerings), that are forward-looking statements. These statements are based upon a number of assumptions and estimates which are subject to significant uncertainties, many of which are beyond our control. When used on our Promotion, words like "anticipates," "expects," "believes," "estimates," "seeks," "plans," "intends," "will" and similar expressions are intended to identify forward-looking statements designed to fall within securities law safe harbors for forward-looking statements. The Promotion and the information contained herein does not constitute an offer or a solicitation of an offer for sale of any securities. None of the information contained herein is intended to be, and shall not be deemed to be, incorporated into any of our securities-related filings or documents.

15. Links to Other Web Promotions.

    The Promotion contains links to other web sites and their products. We are not responsible for the content, accuracy or opinions express in such web sites and their products, and such web sites and products are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked web site in our Promotion does not imply approval or endorsement of that linked website by us. If you decide to leave our website and access these third-party websites, you do so at your own risk.

16. Copyrights and Copyright Agents.

    We respect the intellectual property of others, and we ask you to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information:

    1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
    2. A description of the copyrighted work that you claim has been infringed;
    3. A description of where the material that you claim is infringing is located on the Promotion;
    4. Your address, telephone number, and email address;
    5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
    6. A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Our Copyright Agent for Notice of claims of copyright infringement on the Promotion can be reached by directing an e-mail to the Copyright Agent at StewardshipAdvisor@SMIAdvisory.com.
17. Proposed Product and Service Offerings.

    All descriptions of proposed products and services are based on assumptions subject to change and you should not rely on the availability or functionality of products or services until they are actually offered through the Promotion. We reserve the right in its sole discretion to determine how registration and other promotions will be awarded. This determination includes, without limitation, the scope, nature, cost and timing of all such awards.

18. Information and Press Releases.

    The firm’s website contains information and press releases about us. While this information was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update this information or any press releases. Information about companies other than ours contained in the press release or otherwise, should not be relied upon as being provided or endorsed by us.