Disclosure

The information contained on this site is for informational purposes only and should not be considered as investment advice or as a recommendation of any particular strategy or investment product.

Retirement Advisors Disclosure Statement, By navigation of this site, you assent to, and agree to be bound by, certain terms and conditions. These terms and conditions are listed below. Please read them carefully.

This website is not a solicitation to sell investment advisory services in states where Retirement Advisors of America, A PHH Investments Company is not registered, unless an exemption or exclusion from registration exists.

Although the information provided to you on this site is obtained or compiled from sources we believe to be reliable, we do not warrant or guarantee the accuracy of information that was gathered or supplied from outside sources. We are not responsible for decisions made based on this information.

You leave this site through links at your own risk. We do not guarantee or warrant the accuracy of the content to which you link. Retirement Advisors of America is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such site, whether actual, alleged, consequential or punitive.

Retirement Advisors, PHH Investments and its affiliates ("Retirement Advisors" or "we") provide its content on this website (the "Site") subject to the following terms and conditions (the "Terms"). We may periodically change the Terms without notice, so please check back from time to time. These Terms were last updated on January 7, 2010. By accessing and using this Site, you agree to these Terms and the sites privacy policy. Children age 13 and under may not access this site. Please supervise the online activities of your children and limit their online time each day.

1. Copyrights: Retirement Advisors Site All content and functionality on the Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, is the exclusive property of Retirement Advisors or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

2. Trademarks of Retirement Advisors or PHH Investments The trademarks, service marks, designs, and logos (collectively, the "Trademarks") displayed on the Site are the registered and unregistered Trademarks of Retirement Advisors and its affiliates or licensors. You agree that you will not refer to or attribute any information to Retirement Advisors and include a text link to its licensors or affiliates in any public medium (e.g., press release, websites) for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of, or imply any endorsement by or relationship with, Retirement Advisors or its affiliates.

3. Use of Retirement Advisors Site Content Retirement Advisors hereby grants you a non-exclusive, non-transferable license for the term hereof to access and download, display, and print one copy of the content and functionality displayed on the Site (the "Site Content") on any single computer solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without Retirement Advisors’ prior written consent.

4. User Postings on any PHH Investments or Retirement Advisors Site You acknowledge and agree that Retirement Advisors shall own and have the unrestricted right to use, publish, and otherwise exploit any and all information that you post or otherwise publish on the Site in postings, survey responses, and otherwise, and you hereby waive any claims against Retirement Advisors for any alleged or actual infringements of any rights of privacy or publicity, moral rights, or rights of attribution in connection with our use and publication of such submissions. You covenant that you shall not post or otherwise publish on the Site any materials that

  • (a) are threatening, libelous, defamatory, or obscene;
  • (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law;
  • (c) infringe the intellectual property, privacy, or other rights of any third parties;
  • (d) contain a computer virus or other destructive element;
  • (e) contain advertising; or
  • (f) constitute or contain false or misleading statements. This Site does not and cannot review all information posted to the Site by users and is not responsible for such information. However, we reserve the right to refuse to post and the right to remove any information, in whole or in part, for any reason or for no reason.

5. Disclaimers Retirement Advisors of America

THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT RETIREMENT ADVISORS IS NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE AND SERVICES TO YOU. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. RETIREMENT ADVISORS AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. RETIREMENT ADVISORS AND ITS AFFILIATES SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEBSITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER RETIREMENT ADVISORS NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

6. Third-Party Web Sites We may provide links to third-party websites, and some of the content appearing to be on this Site is in fact supplied by third parties, for example, in instances of framing of third-party websites or incorporation through framesets of content supplied by third-party servers. Retirement Advisors has no responsibility for these third-party websites, which are governed by the Terms of Use and privacy policies, if any, of the applicable third-party content providers.

7. Governing Law; Jurisdiction RetirementAdv.com These Terms are governed by the laws of the State of Texas without reference to the principles of conflicts of laws thereof.

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