Strategic Planning Inc. (“SPI”) is a federally registered investment adviser. Information presented on this website is for informational, educational and illustrative purposes only. While the information on this website is from sources believed to be reliable, SPI make no representations or warranties, express or implied, as to whether the information is accurate or complete and assume no responsibility for independent verification of such information. In addition, any analysis on this website are examples and narrowly focused. They are not intended to provide a complete analysis of any matter.
This website does not represent an offer of or a solicitation for advisory services in any state/jurisdiction of the U.S. or any country where SPI is are not registered, notice filed, or exempt. SPI does not provide any investment, tax, legal or other advice through or in its provision of the website. You understand that any investment, tax, marketing or legal information provided in the website is general and educational in nature and should not be construed as advice. SPI provides advice and makes recommendations based on the specific needs and circumstances of each client. Please remember that different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment or investment strategy (including those undertaken or recommended by SPI) will be profitable or equal any historical performance level(s). Clients should carefully consider their own investment objectives and never rely on any single chart, graph or marketing piece in making investment decisions.
This website may contain links to third-party sites. We do not control or endorse and are not responsible for the accuracy or reliability of any content, operation, or security of these sites. We are not responsible for their terms of use, privacy policies, or any other third-party websites that may be linked to or by their pages. Further, the presence of a link to a third-party site does not mean that SPI endorses that site, its products, or views expressed there. SPI provides these links merely for convenience and the presence of such third-party links are not an endorsement or recommendation by SPI. You use these sites at your own risk.
Under no circumstances will SPI be liable in any way for any content or materials of any third parties (including users), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that SPI does not pre-screen content, but that SPI and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the website. Without limiting the foregoing, SPI and its designees will have the right to remove any content that violates these Terms of Use or is deemed by SPI, in its sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.
With respect to the data, content or other materials you upload through the website or share with other users or recipients (collectively, “User Data”), you represent and warrant that you own all right, title and interest in and to such User Data, including, without limitation, all copyrights and rights of publicity contained therein.
You acknowledge and agree that SPI may preserve content and may also disclose content if required to do so by Applicable Law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, Applicable Laws or government requests; (b) enforce these Terms of Use; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of SPI, its users and the public. You understand that the technical processing and transmission of the Service, including your content, may involve (i) transmissions over various networks; and (ii) changes to conform and adapt to technical requirements of connecting networks or devices.
The information on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or for any distribution or use that would subject SPI to any registration requirement within such jurisdiction or country.
You agree to defend, indemnify and hold harmless SPI, its officers, equity holders, and employees, against any third-party claims, actions or proceedings, damages, losses, costs and expenses (including reasonable attorneys’ fees) resulting from, arising out of, or in connection with, your access or use of the website, any User Data, your breach of these Terms of Use, your violation of Applicable Law or your negligent acts or omissions and/or willful misconduct.
If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine to the extent permitted under Applicable Law.
Your use of the service is at your sole risk. The service is provided on an “as is” and “as available” basis. SPI expressly disclaims all warranties of any kind, whether express, implied or statutory, without limitation, any warranties concerning access or use of this website; telecommunications, computers and internet usage; and the usage of information posted on the site, whether or not such information is password accessible, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.
SPI makes no warranty that (a) the website will meet your requirements, (b) the website will be uninterrupted, timely, secure, or error-free, (c) the results that may be obtained from the use of the website will be accurate or reliable, or (iv) the quality of any products, services, information, or other material purchased or obtained by you through the service will meet your expectations.
You expressly understand and agree that SPI will not be liable for any indirect, incidental, special, consequential, exemplary damages, or damages for loss of profits including but not limited to, damages for lost time, income, revenue, goodwill, profits, loss of profits, use, loss of use, trading losses, loss of other cost or savings, loss of data or other intangible losses (even if any SPI party has been advised of the possibility of such damages), whether based on contract, tort, negligence, strict liability or otherwise, resulting from, arising out of, or in connection with: (a) the use or the inability to use the service; (b) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained or messages received or transactions entered into through or from the service; (c) unauthorized access to or alteration of your transmissions or data; (d) statements or conduct of any third party on the service; or (v) any other matter relating to the service. In no event will any SPI party’s total liability to you for all damages, losses or causes of action exceed the amount you have paid SPI in the last six (6) months, or, if greater, one hundred dollars ($100).
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations set forth above may not apply to you. In such jurisdictions, the liability of SPI shall be limited to the greatest extent permitted by applicable law. If you are dissatisfied with any portion of the website or with these terms of use, your sole and exclusive remedy is to discontinue use of the service.
If you are a user from New Jersey, the indemnity and release, disclaimer of warranties and limitation of liability sections are intended to be only as broad and inclusive as is permitted under New Jersey law. If any portion of such sections is held to be invalid under New Jersey law, the invalidity of such portion shall not affect the validity of the remaining portions of those sections.
Under California Civil Code Section 1789.3, users of the website from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
