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	<title>Index Gurus, Inc. : Personalized Money Management &#124; Income &#124; Retirement &#187; Disclosure and User Agreement</title>
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		<title>Disclosure and User Agreement</title>
		<link>http://indexgurus.com/2009/09/10/disclosure-and-user-agreement/</link>
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		<pubDate>Thu, 10 Sep 2009 23:33:17 +0000</pubDate>
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		<description><![CDATA[Disclosure and User Agreement The investment concepts put forth on this website are intended to enable potential clients to understand the nature of the financial advisory process we employ. This information should in no way be construed as tax, legal, &#8230; <a href="http://indexgurus.com/2009/09/10/disclosure-and-user-agreement/">Continue reading <span class="meta-nav">&#8594;</span></a><img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=indexgurus.com&amp;blog=9407420&amp;post=42&amp;subd=bayareamoneymanager&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>Disclosure and User Agreement</p>
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<td colspan="2" valign="top">The investment concepts put forth on this website are intended to enable potential clients to understand the nature of the financial advisory process we employ. This information should in no way be construed as tax, legal, investment, or financial advice.</p>
<p>Our service is designed to integrate with your other financial, legal, and tax advisors, not to replace them. While we advise clients from time to time on non-investment related matters, you must rely on your other professional advisors for final approval and/or implementation regarding non-investment topics.</p>
<p>This website is not intended as a substitute for Index Guru’s ADV part II. Please read this form for further information.</p>
<p>The information on this web site is private and confidential. Admission to this web site is conditioned on your acceptance of and agreement to this Disclosure and User Agreement.</p>
<p>Your review or use of this information after accessing the web site constitutes your acceptance of this Disclosure and User Agreement (the &#8220;Agreement&#8221;).</p>
<p>You acknowledge that any requests for information are unsolicited and shall neither constitute nor be construed as investment advice by Index Gurus to you or constitute the formation of an investment advisory relationship, or any other client relationship. Index Gurus does not guarantee the suitability or potential value of any particular investment or information source. Index Gurus may invest or otherwise hold an interest in companies or securities that may be referenced on this web site. No information should be interpreted as to imply that past results are indicative of future performance.</p>
<p>Index Gurus reserves the right, at our discretion, to change, modify, add or remove portions of these terms at any time without notice to you. We suggest that you check these terms periodically for changes. The terms can be accessed from the link at the [bottom] of our web site pages. If you use this web site after we post changes to the terms, you accept the changed terms. Index Gurus expressly reserves the right to monitor any and all use of this web site.</p>
<p>Due to various factors, including the inherent possibility of human and mechanical error, neither the accuracy, completeness, timeliness or the correct sequencing of the Information nor the results obtained from its use, are guaranteed by Index Gurus or any persons creating or transmitting the Information. News stories reflect only the author&#8217;s opinion and not that of Index Gurus.</p>
<p>Your use of the Information is at your sole risk. All information is provided “as is” without warranties, express or implied, or representations of any kind whatsoever. In particular, but without limitation, there shall be no warranties of merchantability, fitness for a particular use, or non-infringement.</p>
<p>To the fullest extent permissible under applicable law, Index Gurus, or other persons creating or transmitting the Information, will in no event be liable to you, or anyone else, for any direct, indirect, consequential, incidental, special or punitive damages that may arise out of your use of, or access to, the Information (including but not limited to lost profits, loss of opportunity, trading losses, and damages that may result from inaccuracy, incompleteness, inconvenience, or loss of use of the Information), even if Index Gurus, or other persons creating or transmitting the Information, shall have been advised of the possibility of such damages. To the fullest extent permitted by law, Index Gurus, or other persons creating or transmitting the Information, shall have no responsibility to you, or anyone else, under any tort, contract, negligence, strict liability, products liability, or other theory with respect to any subject matter of this agreement or terms and conditions related thereto.</p>
<p>This site has links to other (third-party) internet sites which may not have been screened or reviewed by Index Gurus and which may contain inaccurate, inappropriate or offensive material, products or services. These links do not constitute an endorsement by Index Gurus of the linked web site. If you are dissatisfied with the Information, products or services offered at this site or with the terms and conditions of this Agreement, your sole and exclusive remedy is to discontinue use of and access to this site and the Information.</p>
<p>Any information, ideas, suggestions, communications or the like sent to Index Gurus through this Web site are and will be treated as non-confidential and non-proprietary. You acknowledge and agree that Index Gurus is entitled to use, reproduce, disclose, publish, post, broadcast and/or otherwise distribute or use any information submitted or posted by you for any purpose and in any medium whatsoever, now known or hereafter developed, without restriction, compensation or attribution to the person sending or posting the submission. You represent and warrant the accuracy and originality of any submission communicated by you to Index Gurus and agree to indemnify and hold Index Gurus harmless from any claims or damages arising out of its accuracy, appropriateness and legality.</p>
<p>Index Gurus reserves the right to modify or terminate this site or any of these terms, and to terminate your access to this site, without notice at any time.</p>
<p>All trade names, trademarks, service marks and other product and service names and logos displayed herein may not be used by you without express authorization. This website is not owned, sponsored, approved by or otherwise affiliated with any other entity named herein.</p>
<p>Unless otherwise specified, Index Gurus controls and operates this site from its offices within the State of California, United States of America.</p>
<p>Index Gurus does not claim that materials in this site are appropriate or available for use in locations other than California. If you choose to access this site from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws. This site is not directed to any person in any jurisdiction where (by reason of that person&#8217;s nationality, residence or otherwise) the publication or availability of this site is prohibited. Persons to whom such prohibitions apply must not access this site.</p>
<p>The laws of the State of California govern these terms. If you take legal action relating to these terms, you agree to file such action only in a court of the State of California in Santa Clara County, or the United States District Court for the Northern District of California, and you consent and submit to the personal jurisdiction of those courts for the purposes of litigating any action relating to these terms or the web site.</p>
<p>Should any provision of this Agreement or portion thereof be held illegal or unenforceable by an appropriate jurisdiction, such provision shall be limited or severed and the remainder of the Agreement shall continue in full force and effect. Neither the rights nor the obligations arising under this Agreement are assignable or transferable by you and any such attempted assignment or transfer shall be void and without effect.</p>
<p>The failure of either party to enforce its rights under this Agreement at any time for any period shall not be construed as a waiver of such rights.</td>
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