Definitions

“Acknowledger” as used herein shall mean visitor to Entity’s website.(see “Entity” defined below.)

“Entity” as used herein shall mean Smart Publishing Company and/or Smart Retirement Corporation, and the predecessors, successors, subsidiaries and other related companies or organizations of Smart Publishing Company and/or Smart Retirement Corporation, and its employees.

Terms and Conditions

All of the ideas and opinions expressed are the Entity’s. The content within does not constitute and is not meant to serve as individual financial advice. Nor shall any of the content presented be considered tax, legal, planning, investment, or accounting advice. This type of service or advice shall only be given by a professional advisor obtained by the Acknowledger who can review the Acknowledger’s current and past financial situations as well as assess future goals. The information contained on this website is not an investment advisory service, is not to be construed as being communicated by an investment advisor, and is provided in a general sense as compared to being customized or personalized under any specific set of facts.

While all facts and numbers have been backed up with sources, the Entity makes no warranty with respect to accuracy. The Entity and publisher assume no responsibility for errors and omissions or for any liability, loss, or damages that occur as a result of reading or using the strategies discussed within this website. No guarantees are made to the Acknowledger regarding the performance of various investment and insurance products, and all illustrations are hypothetical – provided for education purposes only, not to solicit sales or make any guarantees, and shall not be considered investment, tax, accounting or legal advice. This information shall not be solely relied upon for the purposes of transacting any investment, or purchase.

While the concepts discussed may be appropriate for some individuals, the laws of various states and the rules of various insurers and tax authorities should be considered by the Acknowledger and their advisor. While every reasonable attempt has been made to provide accurate content, changes in tax rulings, legislation, and regulations may impact the accuracy of the information and numbers presented.

Your use of the information contained herein is at your own risk. The content is provided ‘as is’ and without warranties of any kind, either expressed or implied. The Entity disclaims all warranties, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. The Entity does not promise or guarantee any particular result from your use of the information contained herein. The Entity assumes no liability or responsibility for errors or omissions in the information contained herein.

The Entity will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including, but not limited to, loss or revenue or income, pain and suffering, emotional distress, or similar damages.

Under no circumstances will the Entity be liable for any loss or damage caused by your reliance on the information contained herein. It is your responsibility to evaluate the accuracy, completeness or usefulness of any information, opinion, advice, or other content contained herein. You are advised to seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

While the illustrations used on this website represent historical and back tested market performance they are purely hypothetical and not a guarantee of performance of any individual insurance product nor any prediction of future market events. Past performance is never indicative of future results and cannot be relied upon to make future financial decisions.

While the Balanced FIA mirrors many aspects of numerous fixed index annuities available in the market today it represents none specifically, is a hypothetical product and should not be relied upon to make a decision to purchase a fixed indexed annuity. Acknowledger(s) must work with their own qualified insurance professional and review individual policy documents to fully understand what they may, and may not, receive should they choose to purchase an annuity policy; fixed or indexed.

Acknowledger affirms that it understands that any data or information entered into this online tool is available to the Entity’s website users is subject to redisclosure and may be disseminated by the Entity to its advisors without notice to Acknowledger.

Acknowledger affirms NO tax advice is given here and taxes have been omitted from the analysis done on this website.

The Acknowledger affirms that any sales presentations, strategies and/or planning concepts that may have been provided by the Entity, its employees, and/or representatives demonstrating potential benefits of the plan should not be relied upon as tax or retirement planning advice regarding the application of the tax laws, now or in the future, to the transaction.

The Acknowledger realizes that any benefits that may be available following the implementation of the plan may be modified by future legislation or changes in the law, or by the insurance company providing the policy.

The Acknowledger represents and warrants to the Entity that the Acknowledger has determined to adopt the plan or purchase the policy only after seeking the advice of independent counsel concerning the tax consequences of the Acknowledger’s adoption of the plan or purchase of policy(ies), and that the Acknowledger has not relied upon the Entity with respect to any tax or retirement planning advice concerning the plan or policy.

Acknowledger agrees that they will not attempt to reverse engineer this website and/or create a competing product, the same or similar, to market to financial advisors, insurance producers or retirement planners. Doing so would create significant financial harm and the acknowledger agrees to financially remunerate the publisher the amount of financial harm inflicted. Financial professionals who share this tool with a broker dealer, field marketing organization, brokerage operation and/or agency and the entity shared with attempts or succeeds in reverse engineering this website and/or creates a competing product, the same or similar, to market to financial advisors, insurance producers or retirement planners agrees in doing so the acknowledger will create significant financial harm of which the publisher of this site is due damages.

The Acknowledger also agrees that any disputes that may arise between the Acknowledger and Entity concerning the plan are subject to mandatory arbitration under the auspices of the American Arbitration Association or another arbitration panel mutually agreed upon by the parties. Such arbitration shall be held in the State of West Virginia. The Acknowledger and the Entity will each bear its own attorney fees and costs and shall pay one-half of the arbitrator’s fee.