Acceptance of Terms and Conditions
Your access to and use of SmartMoneyNation.com (hereafter referred to as the “Website,” Smart Money Nation, or SMN) is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.
General Product Disclaimers
Smart Money Nation makes the information in this web site available as a service to its readers and other visitors, to be used for informational, educational, and entertainment purposes only.
While we have tried to provide accurate and timely information, and have relied on sources we believe to be reliable, the site may include inadvertent technical or factual inaccuracies. SMN does not warrant the accuracy or completeness of the materials provided, either expressly or impliedly, and expressly disclaims any warranties or merchantability or fitness for a particular purpose.
Neither Smart Money Nation nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility for any loss or damage that you incur in the event of any failure or interruptions of this site, or resulting from the act or omission of any other party involved in making this site or the data contained in it available, or from any other cause relating to your access to, inability to access, or use of the site or these materials.
Decisions based on information contained on this site are the sole responsibility of the user, and in exchange for using this site, you agree to hold SMN and its affiliates harmless against any claims for damages arising from any decision you make based on such information.
SMN reserves the right to withdraw or prohibit access to the site, and to revise the software, materials, information and the services and products described in this site, at any time without notifying users.
Advice and Performance Disclaimers
The contents of the Website do not constitute advice and should not be relied upon in making or refraining from making, any investment or financial decision. Nothing contained on this site should be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Nor is it intended as investment, tax, financial or legal advice. Investors should seek such professional advice for their particular situation.
This site is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Nothing on this site should be considered a solicitation to buy or an offer to sell shares of any investment in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction. U.S. investors are advised that not all investments described on this site are available for sale in all states.
Performance information for any investment presented on this web site is historical, and is not indicative of future results. Investment returns and principal may vary, and at the time of sale, your investment may be worth more or less than its original cost. It is possible to lose money by investing in any investment, including these funds. These investments are not deposits or obligations of or guaranteed or endorsed by, any bank, and are not federally insured or guaranteed by the U.S. government, the FDIC, the Federal Reserve Board or any other agency. Exchange-traded funds (ETFs) and closed-end funds frequently trade at a discount to their net asset value.
Municipal investments offer income free from federal income tax. Distributions may be subject to state and local taxes and to the alternative minimum tax. Capital gains will be subject to capital gains taxes.
Some featured products invest in international securities, which can involve different risks than U.S. investments. These risks include political or economic instability, difficulty in predicting international trade patterns, lack of publicly available information about foreign companies, changes in foreign currency exchange rates and the possibility of adverse changes in investment or exchange control regulations.
Some of the investments and services on this site may not be available in or appropriate for a retirement savings plan. Please contact your financial advisor about any investment restrictions associated with your particular plan.
You should contact a fund sponsor with specific questions about that sponsor’s funds.
Copyright / Trademark / License
All text and graphic / images contained in this web site are subject to copyright and / or trademark protection. No information contained on this site may be reproduced, transmitted, displayed, distributed, published or otherwise used for commercial purposes without the prior written consent of Smart Money Nation. You may, however, print or electronically store copies of the information for your own personal use.
Links / Virus Warnings
Hypertext links to other Internet sites (links) are included as a convenience for our customers and visitors. Smart Money Nation assumes no liability for the content of any linked sites, including, without limitation, the accuracy, subject matter, quality or timeliness of the content. The fact that such links have been provided does not constitute an endorsement, authorization, sponsorship by or affiliation with SMN with respect to any linked site or its sponsor. There are risks in using any information, software or product accessed on the Internet, and we urge you to make sure you understand these risks before doing so. Smart Money Nation is not liable for any harm caused by the transmission, through access of this site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede the operation of the site or of any user’s software, hardware, data or property.
Within this web site, no account or personal information is obtained for storage other than information you enter. This information is used only to provide you with the information or materials that you specifically request.
We collect the domain name and other user information of visitors to the Website, aggregate information on what pages consumers access or visit and user-specific information on what pages consumers access or visit.
The information we collect is used to improve the content of our website, used to notify consumers about updates to the Website, shared with agents or contractors who assist in providing support for our internal operations and used by us to contact consumers for marketing purposes, but not shared with other organizations for commercial purposes.
Any information we collect is disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our Web site and applicable laws or to protect against misuse or unauthorized use of our Web site.
With respect to Ad Servers: We may decide to have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our site, these ad server companies my collect information including but not limited to your domain type, your IP address and clickstream information. We are not responsible for maintaining your privacy with respect to these organizations.
We offer advertising to all various investment providers, exchanges, broker dealers, distributor and financial related online advertisers. Smart Money Nation are not influenced in any way by those that choose to advertise. Smart Money Nation creates its own opinions of the investment marketplace and current trends.
Change of Use
Smart Money Nation reserves the right to change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that SMN shall not be liable to you for any such change or removal and change these Terms and Conditions at any time, and your continued use of the Website following any changes shall be deemed to be your acceptance of such change.
Registered Investment Advisor Representative
Curtis Hearn, CFP is the owner and primary author for this Website. At the time of each blog entry / article, Mr. Hearn may be registered as an Investment Advisor Representative for a non-affiliated third-party Registered Investment Advisor (hereafter “RIA”) firm registered with the SEC (or equivalent at the appropriate state level.) It’s important to note that registration as an investment advisor (“IA”) or IA representative does not imply any particular level of skill, education, experience, expertise or knowledge.
At no time are Mr. Hearn’s opinions, suggestions, recommendations, or any other comments on this Website to be interpreted as personal investment advice directed at any reader, visitor, or user of this website. In addition, at no time and in no capacity are any of Mr. Hearn’s opinions, suggestions, recommendations or any other comments to be regarded as representative of or affiliated with the advice of any such third-party RIA to its clients.
It is possible that clients of any such third-party RIA firm may own securities mentioned on this Website.
Neither Mr. Hearn, nor any affiliates of Smart Money Nation, nor any content on this Website should be construed to be acting in any capacity as an Investment Advisor within the definition of the Investment Advisers Act of 1940. Specifically, SMN is relying on §202[80b-2](a)(11)(D) of the Investment Advisers Act of 1940 for this determination.