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Disclosures, Copyright, Privacy Policy, Trademark Info

Disclosures

All written content on this site is for information purposes only and does not constitute a complete description of our investment services or performance.  Opinions expressed herein are those of Michael J. Feeley, Principal of  Pension Advisory Services, L.L.C. (PAS).  Information throughout this site, whether charts, articles or any other statement or statements regarding market or other financial information, is obtained from sources which we believe reliable, but we do not warrant or guarantee the timeliness, completeness or accuracy of this information.  Nothing on this website should be interpreted to state or imply that past results are an indication of future performance.  Neither we or our information providers shall be liable for any errors or inaccuracies, regardless of  cause, or the lack of timeliness of, or for any delay or interruption in the transaction thereof to the user.  All information and ideas should be discussed in detail with your individual advisor prior to implementation.  Fee only financial planning and investment advisory services are offered by Pension Advisory Services, L.L.C., a  registered investment advisory firm in the State of Alabama.  Any communication with any prospective clients residing in states or international jurisdictions where PAS is not registered or licensed shall be limited so as to not trigger registration or licensing requirement . PAS may only transact business or render personalized investment advice in those states and international jurisdictions where we are registered, or have filed notice, or are otherwise excluded or exempted from registration requirements.    We do not render or offer to render personalized investment advice through this medium.  This medium is limited to providing you with general information on our services and provides a way for you to contact us. 

Past investment performance does not insure future results.  Investing in the stock market and bond markets is risky and principal, income, taxes, expenses, exchange rates, and total return fluctuate so an investment when redeemed may be less than it original cost.  Nothing contained herein is to be construed as legal, accounting, or tax advice.  

All rights reserved.  All material contained herein in copyright protected and may not be reproduced in any manner without the expression written permission of the copyright owner.  Text, articles and GPN logos:© 2000 The Garrett Planning Network, Inc., Sheryl Garrett, Principal.  "Hourly Fee-only Financial Planning and Advice for the Federal Employee" rights owned by Pension Advisory Services, L.L.C.,  Michael Feeley, Principal.

All other trademarks are those of their respective legal holders.

Terms of Use

By accessing and/or using the Pension Advisory Services, L.L.C. (referred to as "PAS") website (the "Site"), You accept, without limitation or qualifications the following Term of Use:

  1. PAS maintains this site for Your personal use, entertainment, information, education, and communication.  PAS grants You the permission to use and view the Site subject to these Terms of Use.

  2. You may not modify, copy, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, materials, software, designs, drawings, content, products or services from the Site (together "Content") in any form without PAS's prior written permission.  You may print out a copy or download Content solely for Your personal use.  In doing so, You may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.

  3. Fee-only financial planning and investment advisory services are very individualized in nature.  Without a personal review of Your financial situation, it is impossible to offer You proper financial advice.  As such, the information and opinions provided by PAS throughout this site are meant for educational purposes only.  In no way should they be construed as being offered specifically for your use or being specially applicable to your financial situation.  PAS cannot guarantee the accuracy or correctness of any information or opinion provided throughout this Site and specifically disclaims all liability whatsoever associated with Your use of or reliance upon such information and opinions.  You agree that any use of the information or opinions provided in this Site is at Your sole risk.

  4. PAS will make every effort to update this Site on a periodic basis.  However, some information, articles, and opinions provided on this Site may contain, relate to, or be based upon non-current financial conditions.  As such, PAS cannot guarantee the accuracy, correctness, or timeliness of any information or opinion provided in this Site.  It is very important that You discuss any ideas or opinions presented in this Site with Your financial advisor prior to implementation.

  5. Fee-only financial planning is merely an option provided to individuals looking to obtain financial advice.  PAS cannot guarantee that fee-only financial planning will be a less expensive alternative than other payment options in the financial advising industry.  Furthermore, as with any financial planning service, PAS cannot guarantee the success of fee-only financial planning or that it will be the best option available to You.

  6. PAS cannot guarantee that the use of fee-only services will be profitable.  PAS makes no representations or warranties of any kind with respect to the success or profitability associated with fee-only services and disclaims all liability associated therewith.

  7. Fee-only financial services offer advice with respect to certain areas of Your finances.  Unless specifically requested, there is a possibility that less than exclusive review of Your financial situation will occur.  PAS makes no representations or warranties that a full review of Your financial situation will be conducted.  It is up to You to determine the proper scope of the advice given.  If you desire advice with respect to certain assets, it is important that You convey Your desire to PAS so that the proper financial advice may be obtained. 

  8. PAS has the right at any time to change or discontinue any aspect or feature of the Site.

  9. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of PAS, GPN and others.  Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of PAS, GPN, or such party that may own the Trademark displayed  on the Site, or any other content on the Site, except as provided in these Terms of Use, are strictly prohibited.  PAS will aggressively enforce its intellectual property rights to the fullest extent of the law, including seeking criminal prosecution.

  10. All written content on this Site is for informational purposes only.  Opinions expressed herein are solely those of Michael Feeley, Principal, Pension Advisory Services, L.L.C.  Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness.  You agree that any use of the information provided herein will be at Your sole risk.

  11. Your use of and browsing in this Site are at Your sole risk.  THE SITE IS PROVIDED ON AN "AS IS" BASIS,WITH ALL FAULTS.  PAS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OR MERCHANTABILITY, NON-INFRINGMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE, AS TO THE OPERATION OF THE SITE OR THE NATURE OR ACCURACY OF THE INFORMATION INCLUDED IN THE SITE OR AS TO ANY OTHER MATTER.  PAS AND ITS AFFILIATES WILL NOT BE HELD LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE, ARISING FROM THE USE OF THE INFORMATION AND OPINIONS PROVIDED THEREIN, OR ARISING FROM THE ALLEGED NEGLIGENCE OF THE COMPANY, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL. PUNITIVE, AND CONSEQUENTIAL DAMAGES.  IF YOU RESIDE OUTSIDE THE UNITED STATES, INFORMATION PUBLISHED AT THIS SITE MAY REFER TO PRODUCTS, PROGRAMS OR SITES TAHT ARE NOT AVAILABLE IN YOUR COUNTRY.  Some jurisdictions may not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to You.

  12. YOU HEREBY RELEASE AND FOREVER DISCHARGE PAS AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSE OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO YOUR USE OF THIS SITE OR THE INFORMATION PROVIDED THEREIN, SPECIFICALLY INCLUDING BUT NOT LIMITED TO ANY CLAIMS BASED IN WHOLE OR IN PART UPON THE ALLEGED NEGLIGENCE OF PAS, IN OPERARTING THE SITE OR OTHERWISE.

  13. PAS DOES NOT WARRANT THAT THE SITE OR ITS CONTENTS WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES PAS MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENTS OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SITE.

  14. PAS does not assume any responsibility or risk for Your use of the Site.  PAS does not guarantee or warrant that files available for downloading from the Internet will be free of infection of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties.  You are responsible for implementing sufficient procedures and checkpoints to satisfy Your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

  15. You will indemnify and hold PAS, its licensors, content providers, service providers and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by You, including any use of Content other than as expressly authorized in these Terms of Use.  You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified Parties in connection therewith.  You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of Your use of the information accessed from the Site.

  16. PAS cannot guarantee the security of any information you provide to PAS through this Site.  PAS makes now warranties or representations about the security of the information You provide and disclaims all liability associated with the unauthorized disclosure or use of Your information by a third party.  YOU HEREBY RELEASE AND FOREVER DISCHARGE PAS AND ITS OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES AND AFFILITATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR INFORMATION OR ANY CONSEQUENCES RESULTING THEREFROM.

  17. This Site may contain hyperlinks to websites operated by third parties of then PAS.  Such hyperlinks are provided for Your reference only.  PAS does not control such third party websites and is not responsible for their contents.  PAS's inclusion of the hyperlinks to such websites does not imply any endorsement of the material on such website or any association with their operators.  PAS does not make any representations regarding the content or accuracy of information on such third party websites.  If You access any of the third party websites linked to this Site, You do so entirely at your own risk.  Use of any information obtained from such websites is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.  References therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by PAS.  You release PAS (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with such hyperlinks. 

  18. These Terms of Use will be governed by the law of the State of Alabama, without regard to its choice of law provisions.  Any legal action, suit or proceeding brought by it in any way arising out of these Terms of Use must be brought solely and exclusively in the federal or state courts of the State of Alabama.  If any provision of this agreement is held by a court of competent jurisdiction to be illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.

  19. PAS may at any time revise these Terms of Use by updating this posting.  You are bound to any such revisions and should therefore periodically visit this page to review then then current Terms of Use.

PRIVACY POLICY

We are sensitive to privacy issues on the Internet and we believe it is important for visitors to our Site to know how we treat information we receive. Accordingly, we have adopted this Privacy Policy for this Site to ensure responsible use of the information you share with us.

Definitions

"Personal Data" is personal and/or confidential information that relates to you and your affiliation with us.

"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.

"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.

"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.

What Information Is Collected

In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our Site.

Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily. For example, we retain e-mail addresses of visitors who respond to the Site's e-mail forms, online forms, registration forms and surveys and contest entries. We also may retain information about the frequency of Site visits, length of time of the visit and aggregate information on which Site page visitors access.

We may send Internet visitors "Cookies". A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. A Cookie enables the Site to recognize you if you have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline or delete them.

We do not distribute Personal Data, Personal Information or Communications to unaffiliated third parties. We will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data, Personal Information or Communications) to unaffiliated third parties.

When you choose not to provide Personal Information. When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser.

Information Shared With Us

We will take appropriate steps to protect all information you share with us. Whenever you provide the Site with Personal Data, we will take commercially reasonable steps to establish a secure connection with your web browser.

THE SITE CONTAINS NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. WE CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIM ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.


LIMITATION OF LIABILITY

The material on the Site is provided for informational purposes only. It does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice from a competent, independent advisor in your jurisdiction.

THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

Under no circumstances, including but not limited to negligence by act or omission, shall we or any party involved in creating, producing or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if we or a representative authorized by us has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall the our total liability to you for all damages, losses and causes of action exceed the amount paid by you, if any, for accessing the Site.

LINKS TO THIRD PARTY WEBSITES

If you use any links provided in the Site to websites not owned, maintained nor hosted by us ("Off-sites"), you will leave the Site. We are not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness or suitability of the content of any Off-sites, and we take no responsibility for such sites. A link to a service or website outside of the Site is not an endorsement of the service or the website, its content or its sponsoring organization.
USE OF THE SITE

No materials found on the Site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without our prior written permission. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio or video without our prior written permission. We neither warrant nor represent that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with us.

JURISDICTIONAL ISSUES

The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all states.

TRADEMARKS, SERVICE MARKS AND COPYRIGHTS

Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site and the Site's contents may not be used without our prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.