Website Terms

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SM Advisors, Inc maintains this site ("Site") for your personal information, education, and communication. Please feel free to browse the Site. You may download material displayed on the Site for non-commercial, personal use only, provided you also retain all copyright and other propriety notices contained in the materials. You may not, however, distribute, modify, transmit, reuse, report, or use the contents of the Site for public or commercial purposes, including the text, images, audio, and video without SM Advisors, Inc written permission.

By visiting the Site, you agree to the following terms and conditions in addition to any laws or regulations that apply to the Site, the Internet and the World Wide Web:

Unless indicated otherwise, everything on the Site, including images of people, services, products or places, is copyrighted by SM Advisors, Inc. The trademarks, logos and service marks on the Site are owned by SM Advisors, Inc or by others who have allowed us to use them. They may not be used without written permission.

SM Advisors, Inc makes no warranties or representations regarding the accuracy of the information presented on the Site. We retain the right to change anything on the Site, including these terms and conditions and any technical information, without notice. You are browsing the Site at your own risk. SM Advisors, Inc assumes no liability or responsibility for any errors or omissions on the Site.

Everything on the Site is provided "as is" WITHOUT ANY WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. Any answers provided to questions forwarded to this site are solely advisory and the recipient acknowledges that any use of the answers provided is at the recipients own risk and SM Advisors, Inc is not liable for any special, indirect, incidental or consequential damages, including lost profits, lost bids or business interruption, resulting from the use of such answers or access to or use of the Site, even if advised of the possibility of such damages. SM Advisors, Inc also assumes no responsibility, and shall not be liable for any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Site or your downloading of any materials, including, but not limited to, data, text, images, video, or audio from the Site.

Any communication or material you transmit to the Site by electronic mail or otherwise, including but not limited to any data, questions, comments, suggestions, and the like, will be treated as non-confidential and non-proprietary. Anything you transmit or post may be used by SM Advisors, Inc for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, SM Advisors, Inc is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products using such information.

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