Terms and Conditions

Acceptance of and Changes to Terms and Conditions

User access to and use of this website is subject to the following terms and conditions, together with other documents referred to herein. This website is offered and made available to residents of the United States. Use is limited to personal, non-commercial use.

Users should read the terms and conditions carefully before using this website. By clicking to agree or accept these terms and conditions when this option is made available, the user accepts and agrees to be bound and abide by these terms and conditions. If a user does not want to agree to these terms and conditions, the user must not access or use any feature of this website.

This website and these terms and conditions may be revised from time to time in the sole discretion of Wiser Wealth Management, Inc. (“Wiser Wealth”). All changes are effective immediately after posting. A user’s continued use of this website after the posting of revised terms and conditions means that the user accepts and agrees to the revisions. Users should check this page from time to time to be aware of any changes.

Last Modified: 7/22/2020

Information on Wiser Wealth

Wiser Wealth is a registered investment advisor with its principal business office located in Georgia. Wiser may transact business only in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Additional information about Wiser Wealth is available on the SEC’s website at www.adviserinfo.sec.gov.  Registration does not imply any level of skill or training.

By clicking to agree or accept these terms and conditions, a user agrees to the immediate electronic delivery of Wiser Wealth’s then current Form ADV and Privacy Policy. These documents contain important information about Wiser Wealth and its handling of information collected from a user. Users should review these documents carefully.

Information Provided by User

To access some of the resources offered through this website, a user may be asked to provide certain registration details or other information. It is a condition of the use of this website that all the information provided be correct, current and complete.  All the information provided by a user is governed by Wiser Wealth’s then current Privacy Policy, and each user agrees to all actions Wiser may take with respect to his/her information that is consistent with the Privacy Policy.

Information Posted or Provided

To the extent that a user utilized a risk assessment questionnaire or similar device contained within or linked to Wiser Wealth’s website, the user is advised that the information resulting from the use of any such questionnaire or device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Wiser Wealth or any other investment professional.

Wiser Wealth did not develop the risk assessment questionnaire, and is not responsible for its accuracy. [Wiser Wealth may provide investment advisory services and/or consulting services to the qualified plan for which the model portfolios are provided and/or to the employer sponsor of that qualified plan.]

Strategy overviews are for descriptive purposes only and do not take into account a user’s particular investment objectives, tolerance for risk, financial situation or needs. They are not suitable for all investors. There is no assurance that any investment strategy will achieve its objectives. Past performance is not indicative of future results. It should not be presumed that future performance of any model portfolio, specific investment or investment strategy will be profitable or equal the corresponding indicated performance level(s), including any model portfolio provided by Wiser Wealth and any product referenced to directly or indirectly in this website, or indirectly via a link to an unaffiliated third party website. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Model portfolios may not be suitable for all users, regardless of their risk range. All investments and/or investment strategies involve risk including the possible loss of principal.

Certain portions of this website may contain a discussion of and/or provide access to model portfolios and/or strategies of a specific prior date. Due to various factors, including changing market conditions, such discussion, model portfolios and/or strategies may no longer be reflective of current position(s) and/or recommendations(s).  Other material and information provided herein may be out of date at any given time, and Wiser Wealth is under no obligation to update such material or information.  Commentary, opinions, analysis and recommendations may be subjective, do not guarantee future performance and could change at any time without notice.

Wiser Wealth does not provide legal, accounting or tax advice. No portion of the website content should be interpreted as legal, accounting or tax advice.

The third-party information contained in this website is compiled from sources believed to be reliable, but it has not been independently verified and the accuracy is not guaranteed.  Wiser Wealth does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness or relevance of any information prepared by any third party, whether linked to this website or incorporated herein, and takes no responsibility therefor. All such information is provided only for convenience. No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this website.  Wiser Wealth assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free or fit for any purpose.

This website may contain hyperlinks to other websites not maintained or controlled by Wiser Wealth. The links are provided only for convenience. Wiser Wealth does not endorse the sponsor or owner of such other sites, or the products, services, advice, opinions or any other content of such other sites. Wiser Wealth makes no representation as to the completeness or accuracy of information provided at such other sites. Wiser Wealth makes no representation concerning the quality, accuracy, suitability or safety of the content of such other sites.

Accessing the Website

This website, in whole or in part, may periodically be unavailable in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of the Wiser Wealth.

Intellectual Property Rights

This website, its content, features and functionalities have been developed by and are the property of Wiser Wealth or its licensors or other providers of such material, and are protected by U.S. and international copyright, trademark and other proprietary rights laws. No one may reproduce, distribute, modify, create derivative works of, publicly display, republish or transmit any of the material on this website, except that user’s computer may temporarily store copies of such materials incidental to the user accessing and viewing those materials, and may store files that are automatically cached by computer’s Web browser.

Disclaimers

Neither Wiser Wealth nor anyone who participated in creating and presenting this website and its content is or will be liable for any direct, indirect, incidental, consequential, other damages or losses of any kind that may arise from access to this site or the use of any information, images, video, or sound appearing on it or derived from it.

This website may contain omissions or errors for which Wiser Wealth disclaims any liability. Wiser Wealth is not liable for any loss or damage caused by viruses or other technologically harmful material that may cause damage to users’ computers, networks, computer data or other material through users’ use of this website or material obtained through the website.