Please read this Terms of Service document before accessing or using the service. The material and service, located at http://www.robertlaura.com is owned and operated by Financial IQ, LLC, whom shall be identified as FIQ throughout this Agreement. By accessing or using the material and service, you agree that you have read and understand this Agreement and all of its contents. If you do not wish to be bound by these terms and conditions, you may not access, print, redistribute, or use the materials at RobertLaura.com We may modify this agreement at any time, and such modifications shall be effective immediately upon posting of the modified agreement. You agree to review the agreement periodically to be aware of such modifications.
We do not guarantee that access to or use of this web site or any services will be uninterrupted or error free, and FIQ shall not be liable for any feature not being accessible or for any unavailability of its web site and services. The web site and its features may be expanded, limited or modified at any time by FIQ to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the web site, without notice. To access some of the content or features of the web site or its services, Users may need to enhance or update the hardware or software in their computer systems. FIQ assumes no responsibility for any failure to access the web site or any services, partially or fully, whether due to the User's system, the Internet network or any other cause.
We do not provide information or services to minors, and if you are under 18 you may only use this site with the active involvement of a parent, guardian or other supervising adult.
We grant you a limited personal use license to access, display, download, format and print portions of this web site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other web site or as part of any educational, training or reference materials. You may not frame or utilize framing techniques to enclose any content on this web site.
The RobertLaura.com web site and its content are protected by copyright, trade mark and other proprietary laws.
All content on this Web Site, including articles, charts, data, artwork, logos, graphics, photographs, animation, videos, web site design and architecture, audio clips and environments (collectively the "Content"), is the property of FIQ. or its affiliates, licensors or "partners", and is protected by national and international copyright laws. Web Site users are granted only a limited license to access, display, download, print and reproduce reasonable portions of the Content solely for their own use, provided that the Content is not modified and all proprietary notices and source references on the Content are kept intact. Apart from the licensed rights, Web Site Users may not reproduce, publish, translate, merge, sell, distribute, modify or create a derivative work of, the Content, or incorporate the Content in any database or other web site, in whole or in part.
Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this web site by third parties ("Third Party Content") are solely those of their respective providers and not of FIQ which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and FIQ shall not be liable for any damage or loss caused by Users' reliance on or other use of Third Party Content.
By posting or submitting any material, you will be (a) granting FIQ a world-wide fully paid-up non-exclusive license to allow your materials to be edited and displayed by FIQ on its web site, and accessed by Users, for the purposes and on the terms in these TOU, (b) agreeing to indemnify and hold harmless FIQ and its Users from any claim or demand made by any third party due to or arising out of your materials, and (c) representing that you own or otherwise have the right to post the materials, that the materials are accurate, that use of the materials on the FinancialKarma web site does not violate any laws, and that the materials will not cause injury to any person. FIQ shall have the right to use your name in connection with your posted materials.
FIQ does not guarantee that files available for downloading through its web site will be free of infection or viruses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security and accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data.
This service is provided for general educational, informational, and entertainment purposes only and is not an endorsement, recommendation, or guarantee of any service, product, or professional. No advice or information, whether oral or written, obtained by you from FIQ or through or from the material and service located on financialkarma.com shall create any specific or broad warranty. The material and service is provided for informational purposes only, and no content included in the material or service is intended for debt management, general money management, trading, or investing purposes. FIQ is not responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the material or service, and will not be responsible or liable for any financial decisions based on such information.
FIQ is not involved in any transactions between individuals visiting the Site and the parties who use information from the Site. FIQ has no control over the quality or legality of any services provided by the outside parties receiving the information on the site or the quality or suitability of such parties. The Site does not provide financial services or investment advice of any kind. Past performance of any investment or financial professional or services company using information from this site is not an indication of future performance.
By submitting any personal or professional information through the Site, you grant permission for FIQ to provide this information to affiliate parties identified on our privacy statement. FIQ may use this information to make contact with you. We may contact you directly to discuss your satisfaction with the service and material on the site, and may provide your contact information to other parties especially if required by law.
The information and materials found on this Site are not an offer to sell or a solicitation of an offer to buy any security or investment product or service, nor shall any such security, product, or service be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction.
FIQ may post the advertisements of third parties on this Site or in email communications. The acceptance by FIQ of advertising is not intended as and does not in any manner constitute a recommendation, endorsement, or approval by FIQ. FIQ shall not be liable for any loss or damage of any sort incurred as a result of any dealings with any advertiser or as the result of the presence of such advertisers on the Site or as a result of any dealings between you and any Investor.
You expressly absolve and release FIQ and its affiliates from any claim of harm resulting from a cause beyond FIQ’s control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, or governmental restrictions.
You assume the sole risk of making use of and / or relying on the information, products, and services available on this site or information otherwise provided to you by FIQ or obtained as a result of your use or other involvement with this site. FIQ makes no representations about the suitability, completeness, timeliness, reliability, legality, or accuracy of the information, products, and services described or contained on this site.
In no event shall FIQ be liable for any damages whatsoever, whether direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with the use of this site or with the delay or inability to use this site, or for any information, products, and services obtained through this site, or otherwise arising out of the utilization of this site or this agreement, whether based in contract, tort, strict liability, or otherwise, even if FIQ has been advised of the possibility of damages.
You agree to defend, indemnify, and hold harmless FIQ and its affiliates, all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns, from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses), relating to or arising out of or in connection with any claim, suit, action, or other proceeding brought against FIQ or such party.
This Site is controlled and operated by Financial IQ, LLC from its offices within the United States. FIQ makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where any of the contents of this Site are illegal is prohibited. Those who choose to access this Site from other locations do so on their own volition and are responsible for compliance with applicable local laws.
All services on this website are intended for your personal use only unless otherwise agreed to through a Corporate Services subscription and in accordance with the other terms and conditions of this agreement. You may not use any information on the site for any commercial purpose, unless authorized through a Corporate Services subscription or you will be subject to legal action.