Site Legal Criteria and Disclaimer

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Part 1

The right to download and store or output the materials found on these pages is granted for viewing use only, and materials may not be reproduced in any form without the express written permission of Errold Moody. Any reproduction or editing by any means mechanical or electronic in whole or in part without the express written permission of Errold Moody is strictly prohibited. This site contains links to other Internet sites. These links are not endorsements of any products or services in such sites, and no information in such site has been endorsed or approved by Errold Moody.

This Web Site and the information available through it are the property of Errold Moody and are protected by copyright and other intellectual property laws. By using this site, you agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, print or circulate any of the information received through this Web Site to anyone without the express prior written consent of Errold Moody.

The information provided in my pages has been written over several years and amended, as necessary to, hopefully, reflect changes in economics, investment climates, tax laws and the myriad of other factors effecting the entire spectrum of financial planning. I have attempted to be both current and accurate, but as one individual doing all the work, errors may occur. I do not warrant or guarantee the accuracy, completeness, correctness, noninfringement, merchantability, fitness or timeliness of these facts, or otherwise endorse, any of the views, opinions or recommendations by themselves. I neither give legal or tax advice, nor advocate the purchase of any product or service.

I shall not be liable to you or anyone else for any loss or injury caused in whole or in part by any negligence or contingencies beyond my control in procuring, compiling, interpreting, reporting or delivering this web site and any information through this web site. In no event will I be liable to you or anyone else for any decision made or action taken by you in reliance on such information or views or for any incidental, consequential, special, or similar damages even if advised of the possibility of such damages. You agree that the liability of Errold Moody, if any, arising out of any kind of legal claim (whether in contract, tort or otherwise) in any way connected with the web site or the information in the web site shall not exceed the amount you paid to Errold Moody for use of the web site.

The above warranties are the only warranties of any kind either expressed or implied including warranties of merchantability or fitness for any particular purpose.

Further, any of the information offered is simply the first step in approaching difficult and interrelated problems and requires additional independent research and analysis. It is the ultimate responsibility of the individual to proceed further. Recognize as well that the information contained herein is subject to change without notice and that the material described may not fit an individual's circumstances under any situations or unless reviewed by appropriate authorities.

I research material throughout the entire spectrum of planning and read articles from the experts in the field and universally give credit in any paraphrasing. I wholeheartedly suggest that readers contact the authors directly for the more in depth material they may have to offer. In any case, there has never been any intent to ever use anyone's copyrighted material, but in the many years of writing, teaching and making up examples for classes as well as receiving partial articles from students and clients, material may have been inadvertently utilized. Frankly, at this stage, I have no idea where some of the material came from at all. If you are aware of any material that has infringed on any such work, please contact me immediately so that I may promptly remedy the situation.

As stated, all opinions, unless otherwise stated, are mine alone. They are neither reviewed nor accepted by any entities I am associated with or with any of the organizations through which I may hold licenses or designations- NASD, National Endowment for Financial Education, State Insurance, Securities or Real Estate departments, etc.

Part 2

a. An investment adviser may only transact business in a particular state after licensure or satisfying qualification requirements of that state or only if the are excluded or exempted from the state's investment adviser requirements as the case may be and

b. Follow up individualized responses to consumers in a particular state by an IA that involve either the rendering of personalized investment advice for compensation shall not be made without first complying with the state's IA requirements or pursuant to an applicable state exemption or exclusion

c. For information concerning the licensure status or disclipinary history of an IA, a consumer should contact his or her state securities law administrator.

d. Consumers should also contact their state insurance departments for rules regarding insurance advice for a fee.

Part 3.

This site contains links to other Internet sites. These links are not endorsements of any products or services in such sites, and no information in such site has been endorsed or approved by this site.

In essence, NEVER rely on any Internet site for your financial planning. Do a LOT more reading and homework.

Copyright (c) 1998- 2013 Errold F. Moody Jr.