Disclaimer

Please note that Adam Hagerman (and First Step Financial, LLC) has financial relationships with some of the merchants mentioned on this blog. Adam Hagerman (and First Step Financial, LLC) may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant. Adam Hagerman (and First Step Financial, LLC) is compensated for certain paid links and advertisements on this blog. You are not obligated to click on any link or buy any products that are advertised.

Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs, or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.

Adam Hagerman (and First Step Financial, LLC) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Disclosure

First Step Financial, LLC and its affiliates make the information in this website 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. First Step Financial, LLC 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.

Neither First Step Financial, LLC 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 hold First Step Financial, LLC and its affiliates harmless against any claims for damages arising from any decision you make based on such information.

First Step Financial, LLC 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. 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.

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 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 First Step Financial, LLC. 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. First Step Financial, LLC assumes 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 First Step Financial, LLC 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. First Step Financial, LLC 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 First Step Financial, LLC 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 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.  First Step Financial, LLC are not influenced in any way by those that choose to advertise. First Step Financial, LLC creates its own opinions of the investment market place and current trends.

Terms and Conditions of Use of First Step Financial, LLC

Acceptance The Use Of First Step Financial, LLC Terms and Conditions

Your access to and use of First Step Financial, LLC 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 First Step Financial, LLC website do not constitute advice and should not be relied upon in making or refraining from making, any decision.

Change of Use

First Step Financial, LLC reserves the right to change or remove (temporarily or permanently) the Website or any part of it without notice and you confirm that First Step Financial, LLC 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

First Step Financial, LLC 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.

Copyright

All copyright, trademarks and all other intellectual property rights in the 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 or licensed to First Step Financial, LLC or otherwise used by First Step Financial, LLC 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, First Step Financial, LLC 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.
First Step Financial, LLC 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 First Step Financial, LLC 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 First Step Financial, LLC 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.