Please read the following terms and conditions (“Terms of Use”) before using the Financial Clarity, Inc. (“Financial Clarity”) website. Your access to and use of this website is subject to these Terms of Use and all applicable laws and regulations. These Terms of Use constitute a legal agreement between you and Financial Clarity. This website is available only to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, this website is not available to children (persons under the age of 18). By accessing and using this website, you accept, without qualification, these Terms of Use. If you do not approve and accept these Terms of Use without qualification, you should exit this website immediately.


This website is for your personal and non-commercial use. Financial Clarity grants you a non-exclusive, non-transferable and limited personal license to access and use this website, conditioned on your continued compliance with these Terms of Use. You may not modify, copy (except as set forth below), distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services obtained from this website. You may not link other websites to this website without the prior written permission of Financial Clarity. You may print one hardcopy of the information and download one temporary copy of the information into one single computer’s memory solely for your own personal, non-commercial use and not for distribution, provided that all relevant copyright, trademark and other proprietary notices are kept intact. You are prohibited from using this website to advertise or perform any commercial solicitation. You also are prohibited from using any robot, spider, scraper or other automated means to access this website for any purpose without the prior written permission of Financial Clarity. You may not take any action that imposes, or may impose, in Financial Clarity’s sole discretion, an unreasonable or disproportionately large load on our infrastructure, interfere or attempt to interfere with the proper working of this website or any activities conducted on this website, or bypass any measures that Financial Clarity may use to prevent or restrict access to this website. Any rights not expressly granted herein are reserved.


The information on this website is intended to enable investors to understand the nature of Financial Clarity’s financial advisory services. It is not intended as and does not constitute investment, legal or tax advice or an offer to sell any securities to any person or a solicitation of any person of any offer to purchase any securities. The information in this website should not be construed as any endorsement, recommendation or sponsorship of any company or security by Financial Clarity. There are inherent risks in relying on, using or retrieving any information found on this website, and Financial Clarity urges you to make sure you understand these risks before relying on, using or retrieving any information on this website. You should evaluate the information made available through this website, and you should seek the advice of professionals, as appropriate, to evaluate any opinion, advice, product, service or other information.

Financial Clarity’s services are designed to integrate with the services provided by its clients’ other financial, legal and tax advisers, not to replace them. Financial Clarity advises its clients from time to time on non-investment related matters, but clients must rely on their other professional advisers for final approval and/or implementation of non-investment matters.

You acknowledge that any requests for information are unsolicited and any information provided shall neither constitute nor be construed as investment advice by Financial Clarity to you or constitute an investment advisory relationship, or any other client relationship. Financial Clarity does not guarantee the suitability or potential value of any particular investment or information source. Financial Clarity, its affiliates, employees or clients may invest or otherwise hold an interest in companies or securities that may be discussed on this website.


Financial Clarity does not know whether its clients or their employers listed on this website, approve or disapprove of Financial Clarity or the services that it provides. This website is not intended as a substitute for Financial Clarity’s Form ADV, Part II, a copy of which Financial Clarity will provide to you on request.


As a condition to your use of this website, you represent and warrant to, and agree with Financial Clarity that, all of the information that you provide shall be truthful, accurate and complete.


THE INFORMATION AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. DUE TO VARIOUS FACTORS, INCLUDING THE INHERENT POSSIBILITY OF HUMAN AND MECHANICAL ERROR, THE ACCURACY, COMPLETENESS, TIMELINESS AND CORRECT SEQUENCING OF SUCH INFORMATION AND SERVICES AND THE RESULTS OBTAINED FROM THEIR USE ARE NOT GUARANTEED BY FINANCIAL CLARITY OR ANY PERSONS CREATING OR TRANSMITTING SUCH INFORMATION AND SERVICES.

FINANCIAL CLARITY AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONTENT AND OPERATION OF THIS SITE AT ANY TIME WITHOUT NOTICE. THIS SITE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME DUE TO REQUIRED MAINTENANCE, TELECOMMUNICATIONS INTERRUPTIONS OR OTHER REASONS.

FINANCIAL CLARITY AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION AND SERVICES ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. FINANCIAL CLARITY AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS REGARDING THIS INFORMATION AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND AVAILABILITY. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, LOSS OF DATA OR ANY OTHER DAMAGE OR LOSS THAT RESULTS FROM DOWNLOADING ANY CONTENT FROM THIS WEBSITE. IN NO EVENT SHALL FINANCIAL CLARITY AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH OR RELATING TO THE USE OF OR ACCESS TO THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION OR SERVICES OBTAINED THROUGH THIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF FINANCIAL CLARITY OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

FINANCIAL CLARITY AND ANY PERSON CREATING OR TRANSMITTING THE INFORMATION ON THIS WEBSITE SHALL NOT BE LIABLE FOR ANY INFECTION BY VIRUSES OF OR DAMAGE TO ANY COMPUTER THAT RESULTS FROM YOUR USE OF, ACCESS TO OR DOWNLOADING OF SUCH INFORMATION. IF YOU ARE DISSATISFIED WITH THE INFORMATION OR SERVICES OFFERED AT THIS WEBSITE OR WITH THE TERMS AND CONDITIONS OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF AND ACCESS TO THIS WEBSITE.


This website and all of its content, including but not limited to all text, graphics, charts, audio, logos, images, data compilations, icons, code and software (“Content”), are the property of Financial Clarity and are protected by U.S. and international copyright laws, with all rights reserved unless otherwise noted. All trademarks, service marks, trade names and other product and service names and logos displayed on this website are proprietary to Financial Clarity, including all registered and unregistered trademarks and service marks of Financial Clarity. If this website includes any trademarks, service marks, trade names or logos of any third parties, such items are the proprietary marks and names of their respective owners, and are protected by applicable trademark and intellectual property laws. Your use of any Content, whether owned by Financial Clarity or any third party, without the express written permission of Financial Clarity, is strictly prohibited except as otherwise expressly permitted in these Terms of Use. Without limiting the foregoing, you are prohibited from using any of Financial Clarity’s copyrighted material or trademarks for any purpose, including, but not limited to, use as metatags, links or otherwise on any website, without the prior written permission of Financial Clarity.


To the extent that Financial Clarity collects any information from users of this website, the collection and use of such information is governed by the Website Privacy Policy of Financial Clarity, which you should read before providing any information to Financial Clarity.


As a condition to your use of this website, you represent and warrant to, and agree with, Financial Clarity that you will not use this website for any purpose that is unlawful or prohibited by these Terms of Use.


References to any publication or any other company in this website are for reference and informational purposes only and are not intended to suggest that any of such companies endorse, recommend or approve of the services, analysis or recommendations of Financial Clarity or that Financial Clarity endorses, recommends or approves the services or products of such companies. News stories reflect only the author’s opinion and not necessarily that of Financial Clarity.


This website may contain hyperlinks to websites operated by parties other than Financial Clarity, which may not have been screened or reviewed by Financial Clarity and which may contain inaccurate, inappropriate or offensive material, products or services. Financial Clarity does not control such websites, and Financial Clarity assumes no responsibility or liability regarding the accuracy, reliability, legality or decency of such third-party websites, content, products or services. Such hyperlinks are provided for your convenience only. Financial Clarity’s inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.


Financial Clarity reserves the right, at its discretion, to change, modify, add or remove portions of these Terms of Use at any time without notice to you. We suggest that you check these Terms of Use periodically for changes. These Terms of Use can be accessed from each page of this website. If you use this website after we post changes to these Terms of Use, you accept the changed Terms of Use. Financial Clarity expressly reserves the right to monitor any and all use of this website.


Financial Clarity reserves the right to modify or terminate this website and to terminate your access to this website, without notice at any time and for any reason.


You agree, at your own expense, to indemnify, defend and hold harmless Financial Clarity, its parents, subsidiaries and affiliates, and their officers, employees, agents, distributors and licensees, from and against any judgments, losses, deficiencies, damages, liabilities, costs, claims, demands, suits, and expenses (including, without limitation, reasonable attorneys’ fees and expenses) incurred in, arising out of or in any way related to your breach of these Terms of Use or the Privacy Policy, your use of this website or any product or service related thereto, or any of your other acts or omissions.


Unless otherwise specified, Financial Clarity controls and operates this website from its offices within the State of California, United States of America. Financial Clarity does not claim that materials in this website are appropriate or available for use in locations other than California. If you choose to access this website from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.

These Terms of Use are governed by the laws of the State of California, without regard to its choice of law provisions. You hereby consent to the exclusive and personal jurisdiction and venue of courts in Santa Clara County, California, which shall have exclusive jurisdiction over any and all disputes arising out of or relating to these Terms of Use, the use of this website or any product or service related thereto. Use of this website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.


You agree that no joint venture, partnership, employment or agency relationship exists between you and Financial Clarity as a result of these Terms of Use or use of this website.

Financial Clarity’s performance of these Terms of Use is subject to existing laws and legal process, and nothing in these Terms of Use is in derogation of Financial Clarity’s right to comply with law enforcement requests or requirements relating to your use of this website or information provided to or gathered by Financial Clarity with respect to such use.

If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision shall be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect.

By reviewing or using the information on this website after accessing this website, you represent and warrant that (a) you have the authority to enter into these Terms of Use and create a binding contractual obligation, (b) you understand and intend these Terms of Use to be the legal equivalent of a signed, written contract equally binding, and (c) you will use the information on this website in a manner consistent with applicable laws and regulations in accordance with these Terms of Use, as the same may be amended by Financial Clarity online or otherwise from time to time. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based on or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

These Terms of Use constitute the entire agreement between the user and Financial Clarity with respect to this website and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Financial Clarity with respect to this website.

By visiting this website you agree to be bound by any agreement or consent you transmit to or through this website via any media or electronic device, including internet, telephone and wireless devices and that your agreement shall be legally binding and enforceable and a legal equivalent of your handwritten signature.

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