Disclaimer

The Art of A Plan and its affiliates make the information in this web site available as a service to its customers and other visitors, to be used for informational purposes only.

While we have tried to provide accurate and timely information, and have relied on sources we believe to be reliable, the site may include inadvertent technical or factual inaccuracies. The Art of A Plan does not warrant the accuracy or completeness of the materials provided, either expressly or impliedly, and expressly disclaims any warranties or merchantability or fitness for a particular purpose.

The Art of A Plan nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility for any loss or damage that you incur in the event of any failure or interruptions of this site, or resulting from the act or omission of any other party involved in making this site or the data contained in it available, or from any other cause relating to your access to, inability to access, or use of the site or these materials.

Decisions based on information contained on this site are the sole responsibility of the user, and in exchange for using this site, you agree to Joshua P. Brein and The Art of A Plan and its affiliates harmless against any claims for damages arising from any decision you make based on such information.

The Art of A Plan reserves the right to withdraw or prohibit access to the site, and to revise the software, materials, information and the services and products described in this site, at any time without notifying users.

General Product/Performance Disclaimers

Nothing else contained on this site should be used or construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or other types of financial products. Nor is it intended as investment, tax, financial or legal advice. Investors should seek such professional advice for their particular situation.

This site is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Nothing on this site should be considered a solicitation to buy or an offer to sell shares of any investment in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction. U.S. investors are advised that not all investments described on this site are available for sale in all states.

Any performance information presented on this web site is historical and is not indicative of future results. Investment returns and principal may vary, and at the time of sale, your investment may be worth more or less than its original cost. It is possible to lose money by investing in these funds. These investments are not deposits or obligations of or guaranteed or endorsed by, any bank, and are not federally insured or guaranteed by the U.S. government, the FDIC, the Federal Reserve Board or any other agency. Exchange-Traded funds frequently trade at a discount to their net asset value.

Municipal investments offer income free from federal income tax. Distributions may be subject to state and local taxes and to the alternative minimum tax. Capital gains will be subject to capital gains taxes.

Some featured products invest in international securities, which can involve different risks than U.S. investments. These risks include political or economic instability, difficulty in predicting international trade patterns, lack of publicly available information about foreign companies, changes in foreign currency exchange rates and the possibility of adverse changes in investment or exchange control regulations.

Some of the investments and services mentioned on this site may not be available in or appropriate for a retirement savings plan. Please contact your financial advisor about any investment restrictions associated with your particular plan.

You should contact a fund sponsor with specific questions about that sponsor’s funds.

Copyright / Trademark / License

All text and graphic / images contained in this web site are subject to copyright and / or trademark protection. No information contained on this site may be reproduced, transmitted, displayed, distributed, published or otherwise used for commercial purposes without the prior written consent of Joshua P. Brein. You may, however, print or electronically store copies of the information for your own personal use.

Links & Virus Warnings

Hypertext links to other Internet sites (links) are included as a convenience for our customers and visitors. Brein Wealth Management, LLC and The Art of A Plan assume no liability for the content of any linked sites, including, without limitation, the accuracy, subject matter, quality or timeliness of the content. The fact that such links have been provided does not constitute an endorsement, authorization, sponsorship by or affiliation with The Art of A Plan with respect to any linked site or its sponsor. There are risks in using any information, software or product accessed on the Internet, and we urge you to make sure you understand these risks before doing so. The Art of A Plan is not liable for any harm caused by the transmission, through access of this site, of a computer virus, or other computer code or programming device that might be used to access, delete, damage, disable, disrupt or otherwise impede the operation of the site or of any user’s software, hardware, data or property.

Privacy Policy / Security / Cookies

Within this web site, no account or personal information is obtained for storage on The Art of A Plan or our transfer agent’s systems other than information you enter. This information is used only to provide you with the information or materials that you specifically request.

We collect the domain name and other user information of visitors to our Web site, aggregate information on what pages consumers access or visit and user-specific information on what pages consumers access or visit.

The information we collect is used to improve the content of our Web page, used to notify consumers about updates to our Web site, shared with agents or contractors who assist in providing support for our internal operations and used by us to contact consumers for marketing purposes, but not shared with other organizations for commercial purposes.

Any information we collect is disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our Web site and applicable laws or to protect against misuse or unauthorized use of our Web site.

With respect to cookies: We may use cookies to record user-specific information on what pages our users access or visit and to record other information about our Web site users.

With respect to Ad Servers: We may decide to have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our site, these ad server companies my collect information including but not limited to your domain type, your IP address and clickstream information. We are not responsible for maintaining your privacy with respect to these organizations.

We offer advertising to all various investment providers, exchanges, broker dealers, distributor and financial related on-line advertisers.  The Art of A Plan is not influenced in any way by those that choose to advertise. Joshua P. Brein and The Art of A Plan creates its own opinions of the investment market place and current trends.

Terms and Conditions of Use of The Art of A Plan

Acceptance The Use Of The Art of A Plan’s Terms and Conditions

Your access to and use of The Art of A Plan is subject exclusively to these Terms and Conditions. You will not use the Website for any purpose that is unlawful or prohibited by these Terms and Conditions. By using the Website you are fully accepting the terms, conditions and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.

Advice

The contents of The Art of A Plan website do not constitute advice and should not be relied upon in making or refraining from making, any decision.

Change of Use

The Art of A Plan reserves the right to change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that The Art of A Plan shall not be liable to you for any such change or removal and change these Terms and Conditions at any time, and your continued use of the Website following any changes shall be deemed to be your acceptance of such change.

Links to Third Party Websites

The Art of A Plan’s Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that we are not responsible for the content or availability of any such sites.

The Art of a Plan has a partnership with SmartAsset, which provides interactive tools and calculators for our readers and those subscribed to our email list.

Please note: The Art of A Plan may receive compensation from SmartAsset in the form of a revenue share which is based on net advertising revenue paid to SmartAsset from the sale of advertising inventory on theartofaplan.com by third party vendors and organizations.

By interacting with any such advertising inventory inside any of the SmartAsset tools on theartofaplan.com, all visitors to theartofaplan.com are assumed to understand that neither; Joshua Brein, or theartofaplan.com are making ANY recommendations that any of our readers or subscribers should purchase or enter into any type of transaction or credit agreement with any of the advertising content provided by SmartAsset.

Joshua Brein, theartofaplan.com, and SmartAsset are not responsible for any damages or losses incurred to you by interacting with or purchasing any of the above-mentioned advertising content provided by SmartAsset on theartofaplan.com

The calculators provided by SmartAsset on theartoraplan.com are deemed to be from reliable sources but Joshua Brein and theartofaplan.com make no claim that these calculators should be the only tool used in making important financial decisions or of their accuracy.  Joshua Brein and theartofaplan.com are not responsible for any damages or losses you may incur because of interacting with the tools provided by SmartAsset on theartofaplan.com

The Art of a Plan also sells educational courses and products that are made to be used with those educational courses. Neither the courses The art of a Plan provides and sells nor any other for-sale materials from The Art of a Plan for the purposes of online learning should be considered specific investment advice or personal recomendations. Be sure to speak with a qualified financial advisor before making any investment related decisions.

Advertising Practices

The following describes certain of SmartAsset’s advertising practices, such as the collection and use of information to deliver advertising. We, our service providers, advertisers or partners may collect various types of non-personally identifiable information when you interact with us or visit any of our sites. A representative list of the types of non-personally identifiable information that may be collected include: current Internet protocol address and type of browser you are using (e.g., Firefox, Internet Explorer), the type of operating system you are using, (e.g., Microsoft Windows or Mac OS), the domain name of your Internet service provider (e.g., America Online, Earthlink), the web pages you have visited, the content you have accessed and the advertisements you have been shown and/or clicked on. The non-personally identifiable information collected may be combined with information from other sources and/or shared with third parties.

The non-personally identifiable information collected may be used to improve the design and content of our sites, and to enable us to personalize your Internet experience. This information may also be used to provide you with additional product and service opportunities and to make inferences about your interests in order to deliver more relevant marketing messages and advertisements. We also may use this information to analyze usage of our sites.

The practices described in this section are enabled by the technologies and relationships described in the “Cookies & Web Beacons” and “Collection of Information by Third-Party Sites, Ad Servers, and Sponsors” sections below.

Cookies & Web Beacons

To enhance your online experience, we use “cookies” or similar technologies. Cookies are text files placed in your computer’s browser to store your preferences. Cookies do not contain personally identifiable information; however, once you choose to furnish a site with personally identifiable information, this information may be linked to the data stored in the cookie.

We use cookies to understand site and Internet usage and to improve or customize the content, offerings or advertisements on our sites. For example, we may use cookies to personalize your experience at our sites (e.g., to recognize you by name when you return to a site), save your password in password-protected areas. We also may use cookies to help us offer you products, programs, or services that may be of interest to you and to deliver relevant advertising.

We, our third party service providers, advertisers or our partners also may use cookies to manage and measure the performance of advertisements displayed on our sites. This also helps us, our service providers and partners provide more relevant advertising.

We, our third party service providers, advertiser or our partners may also use “web beacons” or clear .gifs, or similar technologies, which are small pieces of code placed on a web page, to monitor the behavior and collect data about the visitors viewing a web page. For example, web beacons may be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page.

You can change your privacy preferences regarding the use of cookies and similar technologies through your browser. You may set your browser to accept all cookies, block certain cookies, require your consent before a cookie is placed in your browser, or block all cookies. Blocking all cookies will affect your online experience and may prevent you from enjoying the full features offered at SmartAsset sites. Please consult the “Help” section of your browser for more information.

Collection of Information by Third-Party Sites, Ad Servers, and Sponsors

Some of our sites contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites’ privacy notices as we have no control over information that is submitted to, or collected by, these third parties.

We also use the services of reputable third parties to provide us with data collection, reporting, and ad response measurement, as well as to assist with delivery of relevant marketing messages and advertisements. These third parties may view, edit or set their own cookies. We, our third party service providers, advertisers and/or partners may also place web beacons for these third parties. The use of these technologies by these third parties is subject to their own privacy policies and is not covered by this privacy statement. For more information on how our sites may use third-party ad servers and your ability to opt-out of targeted advertising from such third party ad servers, please see the section below on “Third Party Ad Servers”. 9

Third Party Ad Servers

We, our partners and/or our advertisers may use third parties to serve or present the ads that appear on our sites and to conduct research about the advertisements.

Copyright

All copyright, trademarks and all other intellectual property rights on this Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by, licensed to, or otherwise used by The Art of A Plan as permitted by law. In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial home use only.

Disclaimers and Limitation of Liability

The Website is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.
 To the extent permitted by law, The Art of A Plan will not be liable for any indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.
 The Art of A Plan makes no warranty that the functionality of the website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.

Indemnity

You agree to indemnify and hold The Art of A Plan and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against Brein Wealth Management, LLC or The Art of A Plan arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.

Severance

These Terms and Conditions shall be governed by and construed in accordance with the law of USA and you hereby submit to the exclusive jurisdiction of the USA courts.