Privacy. When You leave a comment, the Author is automatically notified and receives IP, WHOIS, and e-mail information pertaining to the Commenter. This information is not stored by the Author for purposes other than to moderate comments. This information is not being sold or used for other purposes. If you have concerns with the way this information is used, please contact the Author directly to arrange for complete removal of this information. Removal of all personal information will result in the removal of any content the Commenter might have contributed to this Blog, including comments. This Blog is hosted in California. Be aware that laws regarding personal information and privacy may differ from Your location.
Blog Content. All the content of the Blog, except for comments, constitute the opinion of the Author, and the Author alone. All data and information provided on this site is for informational purposes only. Retirement Income Visions™ makes no representations as to accuracy, completeness, currentness, suitability, or validity of any information on this site and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.
No Professional Advice. In agreeing to use the Blog, you agree to do so at your own risk. You fully understand and agree that the Author is not providing any professional advice or recommendations, including, but not limited to, investment, tax planning, retirement planning, insurance planning, education planning, estate planning, as well as any services for which the Author is not licensed to perform, including, but not limited to, legal, real estate, and mortgage services. You understand that this Blog is not intended as a substitute for consultation with appropriate financial, investment, tax, insurance, legal, and other professionals, and furthermore, you agree to seek the advice of appropriate professionals before implementing any strategies mentioned in any Blog posts. You understand that there are inherent risks associated with the various strategies and you agree to assume full responsibility for any and all such risks. These risks include, but are not limited to, inflation, changes in tax, Social Security, and other laws, economic risks, investment risks, health risks, disability, death, uninsured or underinsured risks, changes in personal circumstances, and claims paying ability of insurance carriers.
References to “Guaranteed Income.” You understand that any references made in any blog posts to “guaranteed income” is referring to income for which an insurance carrier is contractually bound to pay to an annuitant(s) and/or an annuitant’s beneficiaries, however, it is nonetheless subject to the claims paying ability of each individual insurance carrier.
Copyright Policy. All text, images, and other content used in this Blog is the property of the Author, unless otherwise noted. All logos and trademarks are property of their respective owners. You are not allowed to reproduce, sell, or modify any part of this Blog. You are welcome to link to this blog and to discuss its contents in a respectful manner. When You quote or link to this Blog, please include Retirement Income Visions™ in your link. You are not authorized to use this content for personal profit. Unauthorized copying, reproduction, modification, republishing, uploading, posting, transmitting, or duplication of any material is prohibited. Whenever copyrighted material is mentioned or used, the Author is doing so according to fair dealing practices. Use of material from this Blog according to fair dealing practices requires proper acknowledgement. Simply linking back to the Blog is not considered proper acknowledgement; please provide a link including the Author’s name, the name of the page you are linking and a permanent link (“Permalink”) to that page.
Comment Moderation. The Author is not responsible for the content of any comments made by any Commenter. The Author is also not responsible for knowing whether the content of Your comment is breaking the law in other countries or jurisdictions. This Blog is a venue for discussion; therefore, the Author will not delete critical comments, or comments portraying a different opinion from the Author’s own. However, the Author reserves the right to edit, delete, or not publish a comment if this is deemed to be potentially illegal. This includes, but is not limited to, comments containing vulgar, hateful, libelous, defamatory, or otherwise offensive content. All comments on this Blog must be written in English. Comments intending to advertise, are off-topic, or are spam will be deleted. The Author also reserves the right to block any Commenter who has previously published offensive comments, illegal content, or spam.
Forbidden Actions. You are not authorized to (i) use this Blog to advertise products of any kind and for other Blogs or Websites, (ii) infringe the Copyright policy and Comment policy of this Blog, (iii) attack this Blog using malicious software and/or use this Blog for data mining, (iv) commit any illegal actions while using the Blog or against the Blog, (v) restrict access to this Blog, (vi) impede the normal functioning of this Blog, and (vii) menace the Author with, or cause, or threaten to cause, physical or financial harm to, the Author of this Blog.
No Guarantee. The Author makes no guarantee regarding the validity of the content of the Blog. In addition, the Author does not guarantee that the Blog will be accessible at all times or during any down time (i) caused by outages to any public Internet backbones, networks or servers, (ii) caused by any failures of Your equipment, systems or local access services, (iii) for previously scheduled maintenance, or (iv) relating to events beyond the Author’s control such as strikes, riots, fires, floods, explosions, war, terrorism, governmental action, labor conditions, natural and/or manmade disasters, or interruptions in Internet service to an area where the Author or Your servers are located. Although the Author will try to moderate comments quickly, the Author makes no guarantee to the Commenter that its comments or trackbacks will be displayed promptly, without modifications, or that they will be displayed at all, as all comments will be published at the discretion of the Author.
No Warranty. The Author makes no warranty of any kind. If you choose to access the Blog, you do so at your own risk. To the extent links and external content are based or displayed in connection with the Blog, the Author shall not have any liability in connection with the display of such links and search results, whether this external content is breaking the law in this or other jurisdictions.
Limitations of Liability. In no event shall the Author or any entities with which the author is associated, including Financial Design Center, be liable under this agreement for any damages or losses. This is a comprehensive limitation of liability that applies to all damages of any kind, including, but not limited to, compensatory, direct, indirect or consequential damages, loss of data, income or profit, and loss of or damage to property and claims of third parties. Each party acknowledges that the other party has entered into this Agreement relying on the limitations of liability stated herein and that those limitations are an essential part of this Agreement. The Author is not liable for the content of any comments a Commenter might leave on this Blog (see Comment policy).
Obligation to Indemnify. You agree to indemnify, defend and hold the Author, its agents, Financial Design Center, and applicable third parties harmless from and against any and all third party claims, liability, loss, and expense (including damage awards, settlement amounts, and reasonable legal fees, brought against any indemnified persons, arising out of, relate to, or which may arise from Your use of the Blog and/or Your breach of any term of this agreement.
Changes to the Terms. The Author reserves the right to change the Terms at any time. You will only be notified by the Blog through posts or syndicated content (RSS), not in person. It is Your responsibility to make sure that you agree with the new Terms whenever changes have been announced. Changes to the Terms will be effective 48 hours after the notice has been posted on the Blog. If You do not agree with the Terms, do not use this blog.
Applicable Laws and Venue. The Author operates the Blog from California and makes no representations that materials in the Blog are appropriate for use in other locations. Access to the Blog from any location where the content is illegal is prohibited. Any claim related to the use of the Blog or to the Blog materials shall be governed by the laws of California. Any action related to the access, use, content, or existence of this Blog shall be filed only in the appropriate court located within California.