Terms of use

AGREEMENT BETWEEN USER AND SAFE MONEY BROADCASTING, LLC

Terms and Conditions

Welcome to SafeMoney.com, operated by Safe Money Broadcasting, LLC (“Safe Money”). By accessing and using the SafeMoney.com website (“Website”), you agree to comply with and be bound by the following terms, conditions, and notices (“Terms”) without modification. If you do not agree to these Terms, please do not use the Website.

Disclaimer and Limitation of Liability

SafeMoney.com provides independent information about annuities, life insurance products, retirement planning, social security, Medicare, long-term care, estate planning, tax planning, and investment strategies for educational purposes only. Safe Money Broadcasting, LLC is not a licensed insurance agent or agency and does not offer recommendations for purchasing or selling any financial products. The content on SafeMoney.com is not financial, legal, tax, accounting, or investment advice and should not be relied upon as such. Users are responsible for consulting with licensed professionals before making any financial decisions. SafeMoney.com does not endorse, rate, or recommend any specific product, agent, or agency and does not guarantee the accuracy or completeness of the information provided.

Additional Terms for Interaction with Advisors: The “locate an advisor” feature on this website connects users with an independent network of licensed insurance agents. SafeMoney.com does not screen, verify, or endorse the credentials, qualifications, or suitability of these agents. We hold no liability for any actions, recommendations, or advice provided by these independent licensed insurance agents, or for any decisions made by clients in conjunction with this website or agents found through this service. Users are advised to independently verify the qualifications and licenses of any professional they choose to work with.

Working with an investment professional listed on the SafeMoney.com advertising service does not guarantee investment success or that you will achieve your financial goals. There can be no assurance that working with an Investment Advisor on the SafeMoney.com website will produce better outcomes than working with an Investment Advisor not participating in the SafeMoney.com website. Investment professionals listed on the SafeMoney.com website pay advertising fees to have their name and information disseminated to the investing public via the SafeMoney.com website. SafeMoney.com does not conduct background checks or verify the claims made by these professionals regarding their qualifications or services. The SafeMoney.com website is not affiliated with any financial organization, Registered Investment Advisor (RIA), or Broker/Dealer.

By using this website, you acknowledge and accept that SafeMoney.com does not assume any responsibility or liability for the accuracy of the information provided by third-party agents or advisors, or for any actions or decisions made based on this information. SafeMoney.com expressly disclaims any liability for misrepresentations or deceptive practices by agents or advisors listed on this site. You are strongly encouraged to conduct your own due diligence before engaging with any financial professional.

To the fullest extent permitted by law, Safe Money Broadcasting, LLC disclaims any and all liability for any actions or decisions made based on information from this Website or interactions with advisors found on this Website. Use of the Website is at your own risk.

Membership Qualification and Approval

Becoming a member of SafeMoney.com is not guaranteed upon payment. After submitting your payment, you will receive a series of important qualification questions that must be answered. Your responses will be reviewed, and approval as an independent advisor member will be contingent upon meeting the required criteria. Safe Money Broadcasting, LLC reserves the right to deny membership based on the responses to these qualification questions. If your membership application is denied, your payment will be refunded in full.

Modification of Terms

Safe Money Broadcasting, LLC reserves the right to modify these Terms at any time. Your continued use of the Website constitutes acceptance of such changes.

Links to Third-Party Sites

SafeMoney.com may contain links to other websites (“Linked Sites”). These Linked Sites are not under the control of Safe Money Broadcasting, LLC, and Safe Money Broadcasting, LLC is not responsible for the content, updates, or transmissions from any Linked Site. The inclusion of any link does not imply endorsement by Safe Money Broadcasting, LLC.

Prohibited Uses

You agree not to use the Website for any unlawful or prohibited activities. You may not use the Website in any manner that could damage, disable, overburden, or impair it, or interfere with others’ use of the Website. Attempting to obtain any materials or information not intentionally made available through the Website is prohibited.

Advisor Conduct

By using this Website, you agree to adhere to the ethical standards and client-first philosophies of SafeMoney.com and its associated advisors. Safe Money Broadcasting, LLC reserves the right to terminate any advisor listing without refund for serious allegations of misconduct, including but not limited to fraud, misrepresentation, theft, and violations of good business practices.

Intellectual Property Rights

Except for content you own, Safe Money Broadcasting, LLC owns all intellectual property rights to the content and materials on SafeMoney.com. You are granted a limited license to view this content, subject to the restrictions in these Terms.

Use of Communication Services

The Website may include various communication services such as bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send, and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute, or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful topic, name, material, or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes, or chain letters.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices, or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate any applicable laws or regulations.

Safe Money Broadcasting, LLC has no obligation to monitor the Communication Services. However, Safe Money Broadcasting, LLC reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Safe Money Broadcasting, LLC reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Safe Money Broadcasting, LLC reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or in part, in Safe Money Broadcasting, LLC’s sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Safe Money Broadcasting, LLC does not control or endorse the content, messages, or information found in any Communication Service and, therefore, Safe Money Broadcasting, LLC specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Safe Money Broadcasting, LLC spokespersons, and their views do not necessarily reflect those of Safe Money Broadcasting, LLC.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

User Submissions

Safe Money Broadcasting, LLC does not claim ownership of the materials you provide to Safe Money Broadcasting, LLC (including feedback and suggestions) or post, upload, input, or submit to any Safe Money Broadcasting, LLC Website or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting your Submission you are granting Safe Money Broadcasting, LLC, its affiliated companies, and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Safe Money Broadcasting, LLC is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Safe Money Broadcasting, LLC’s sole discretion.

By posting, uploading, inputting, providing, or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input, or submit the Submissions.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. SAFE MONEY BROADCASTING, LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

TO THE FULLEST EXTENT PERMITTED BY LAW, SAFE MONEY BROADCASTING, LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. SAFE MONEY BROADCASTING, LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL SAFE MONEY BROADCASTING, LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE WEBSITE, WITH THE DELAY OR INABILITY TO USE THE WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS OBTAINED THROUGH THE WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF SAFE MONEY BROADCASTING, LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE WEBSITE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

Termination of Access

Safe Money Broadcasting, LLC reserves the right, in its sole discretion, to terminate your access to the Website and the related services or any portion thereof at any time, without notice.

Governing Law

To the maximum extent permitted by law, this agreement is governed by the laws of the State of Washington, U.S.A., and you hereby consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the Website. Use of the Website is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Safe Money Broadcasting, LLC as a result of this agreement or use of the Website. Safe Money Broadcasting, LLC’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Safe Money Broadcasting, LLC’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Website or information provided to or gathered by Safe Money Broadcasting, LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Safe Money Broadcasting, LLC with respect to the Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and Safe Money Broadcasting, LLC with respect to the Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

Refund and Cancellation Policy

All setup fees and annual membership costs for SafeMoney.com are non-refundable. Monthly subscriptions can be canceled at any time by contacting Safe Money Broadcasting, LLC. Future billing will terminate upon cancellation.

Content Usage by Financial Professionals

Financial professionals may only use SafeMoney.com and its branding concepts, consumer guides, articles, handouts, brochures, webinars, and content through a contractual agreement with Safe Money Broadcasting, LLC. This agreement must include written permission from Safe Money Broadcasting, subscription to the SafeMoney.com program, and agreed-upon payments to Safe Money Broadcasting. Purchased listings by financial professionals are available on a monthly or annual basis. Pricing may change after 12 calendar months from the date of the initial listing. Each listing is designated for a single licensed insurance agent, insurance broker, or financial advisor and is not transferable.

SafeMoney.com listings and listing information may not be substituted at any point for anyone other than the designated financial professional for each individual listing. The purchasing party can terminate or suspend the purchased advisor listing at any time, but there are no refunds.

If an individual listing is canceled for a designated financial professional within 12 calendar months of the date of purchase, any renewal of a listing for that designated financial professional will be subject to retail cost by Safe Money Broadcasting once the 12 calendar months are satisfied. Once an individual listing is canceled for a designated financial professional, the designated financial professional must cease use of SafeMoney.com materials and content in their business. Continuing use of SafeMoney.com consumer materials and content after a listing cancellation will subject the parties using SafeMoney.com materials under violation of these terms and conditions to possible litigation.

Content Usage by Third-Party Financial Companies

Only with contractual agreement with Safe Money Broadcasting, LLC, including but not limited to written authorized permission by Safe Money Broadcasting and agreed-upon payments to Safe Money Broadcasting, may insurance agencies, field marketing organizations, independent marketing organizations, insurance carriers, broker/dealers, registered investment advisors, and other third-party financial companies use SafeMoney.com and any of its branding concepts, consumer guides, articles, handouts, brochures, and any other content for SafeMoney.com.

Purchased listings by third-party financial companies for their appointed financial professionals are for an annual basis only. Pricing may be subject to change after 12 calendar months from the date of applied listing. Each listing may only be used for one designated licensed insurance agent, insurance broker, and/or financial advisor (designated financial professional) and is not transferable.

SafeMoney.com listings and listing information may not be substituted at any point for anyone other than the designated financial professional for each individual listing. The purchasing party can terminate or suspend the purchased advisor listing at any time, but there are no refunds.

If an individual listing is canceled for a designated financial professional within 12 calendar months of the date of purchase, any renewal of a listing for that designated financial professional will be subject to retail cost by Safe Money Broadcasting once the 12 calendar months are satisfied. Once an individual listing is canceled for a designated financial professional, the designated financial professional must cease use of SafeMoney.com materials and content in their business. Continuing use of SafeMoney.com consumer materials and content after a listing cancellation will subject the parties using SafeMoney.com materials under violation of these terms and conditions to possible litigation.

Intellectual Property Notices

All content and images used in this Website or educational consumer campaigns published by Safe Money Broadcasting, LLC are owned or licensed by Safe Money Broadcasting, LLC. Unauthorized duplication or use or content or images found on this Website or published educational consumer campaigns will be enforced to the fullest extent of the law. All rights reserved Safe Money Broadcasting, LLC. Copyright 2018.

Safe Money Certification Usage Terms

1. Certification Grant: The Safe Money Certification is granted by Safe Money Broadcasting, LLC at its sole discretion. This certification is non-exclusive, non-transferable, and revocable.
2. Certification Representation: You are permitted to use the Safe Money Certification logo and designation only after receiving official approval. Unauthorized or misleading use may result in immediate revocation.
3. Compliance: You must adhere to all ethical guidelines set forth by Safe Money Broadcasting, LLC. Non-compliance or misuse can result in revocation of your certification without refund or prior notice.
4. Indemnification: You agree to indemnify and hold harmless Safe Money Broadcasting, LLC from any claims, liabilities, or damages resulting from your use or representation of the certification.
5. No Warranty: Safe Money Broadcasting, LLC does not provide any warranties regarding the certification, including its fitness for a specific purpose or outcome.
6. Revocation and Limitation of Liability: Safe Money Broadcasting, LLC reserves the right to revoke the certification at any time for breaches of these terms. In such cases, Safe Money Broadcasting, LLC’s liability is limited solely to the amount paid for the certification.
7. Marketing Materials: Any marketing or promotional materials that reference the Safe Money Certification must receive prior written approval from Safe Money Broadcasting, LLC. Unauthorized usage of the logo or certification may lead to legal action.
8. Non-Transferability: The certification is issued to you personally and may not be transferred or assigned to another individual or entity.
9. Updates and Renewals: You are responsible for complying with any ongoing requirements, including renewals or updates as mandated by Safe Money Broadcasting, LLC.
10. Governing Law: These terms are governed by the laws of [insert applicable jurisdiction], and any disputes arising from the certification use shall be subject to the exclusive jurisdiction of its courts.

By obtaining and using the Safe Money Certification, you acknowledge and agree to these terms and conditions.

Trademarks

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people, and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

Notices and Procedure for Making Claims of Copyright Infringement

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

By using the SafeMoney.com website, you agree to these terms and conditions. If you do not agree, please discontinue use of the site.