Terms

This website is owned and operated by The Garrett Planning Network, Inc. ("GARRETT"). By accessing and/or using the GARRETT website (the “Site”), You accept, without limitation or qualifications, the following Terms of Use:

1. GARRETT maintains this Site for Your personal use, entertainment, information, education, and communication. GARRETT grants You the permission to use and view the Site subject to these Terms of Use.

2. You may not modify, copy, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, materials, software, designs, drawings, content, products or services from the Site (together “Content”) in any form without GARRETT’s prior written permission. You may print out a copy or download Content solely for Your personal use. In doing so, You may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content.

3. Fee-only financial planning and investment advisory services are very individualized in nature.
Without a personal review of Your financial situation, it is impossible to offer You proper financial advice. As such, the information and opinions provided by GARRETT throughout this Site are meant for educational purposes only. In no way should they be construed as being offered specifically for Your use or being specially applicable to Your financial situation. GARRETT cannot guarantee the accuracy or correctness of any information or opinion provided throughout this Site and specifically disclaims all liability whatsoever associated with Your use of or reliance upon such information and opinions. You agree that any use of the information or opinions provided in this Site is at Your sole risk.

4. GARRETT will make every effort to update this Site on a periodic basis. However, some information, articles, and opinions provided on this Site may contain, relate to, or be based upon non-current financial conditions. As such, GARRETT cannot guarantee the accuracy, correctness, or timeliness of any information or opinion provided in this Site. It is very important that You discuss any ideas or opinions presented in this Site with Your financial advisor prior to implementation.

5. Fee-only financial planning is merely an option provided to individuals looking to obtain financial advice. GARRETT cannot guarantee that fee-only financial planning will be a less expensive alternative than other payment options in the financial advising industry. Furthermore, as with any financial planning service, GARRETT or the GARRETT Members cannot guarantee the success of fee-only financial planning or that it will be the best option available to You.

6. GARRETT cannot guarantee that use of the GARRETT materials or fee-only services will be profitable. GARRETT makes no representations or warranties of any kind with respect to the success or profitability associated with fee-only services and disclaims all liability associated therewith.

7. Fee-only financial services offer advice with respect to certain areas of Your finances. Unless specifically requested, there is a possibility that less than an exclusive review of Your financial situation will occur. GARRETT makes no representations or warranties that a full review of Your financial situation will be conducted. It is up to You and Your individual GARRETT Member to determine the proper scope of the advice given. If You desire advice with respect to certain assets, it is important that You convey Your desire to Your individual GARRETT Member so that the proper financial advice may be obtained.

8. The main purpose of this Site is to provide You with information about fee-only financial planning and the financial planners that provide this service. The financial advisors listed in this Site are not employees of GARRETT. While GARRETT does make an effort to screen the financial advisors listed in this Site, GARRETT cannot guarantee the accuracy of their background qualifications or the quality of services they may provide. GARRETT makes no representation or warranty of any kind regarding these issues and disclaims all liability associated therewith. Reference to any financial planner listed in this Site should not be construed as a recommendation or endorsement of the planner except for the fact that the planner offers fee-only services.

9. GARRETT has the right at any time to change or discontinue any aspect or feature of the Site.

10. The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Site are registered and unregistered Trademarks of GARRETT and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of GARRETT or such party that may own the Trademark.
Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provided in these Terms of Use, are strictly prohibited. GARRETT will aggressively enforce its intellectual property rights to the fullest extent of the law, including seeking criminal prosecution.

11. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Sheryl Garrett, Principal, The Garrett Planning Network, Inc., and her editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. You agree that any use of the information provided herein will be at Your sole risk.

12. Your use of and browsing in this Site are at Your sole risk. THE SITE IS PROVIDED ON AN “AS IS” BASIS, WITH ALL FAULTS. GARRETT MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, NONINFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE, AS TO THE OPERATION OF THE SITE OR THE NATURE OR ACCURACY OF THE INFORMATION INCLUDED IN THE SITE OR AS TO ANY OTHER MATTER.
GARRETT AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE, ARISING FROM THE USE OF THE INFORMATION AND OPINIONS PROVIDED THEREIN, OR ARISING FROM THE ALLEGED NEGLIGENCE OF THE COMPANY, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. IF YOU RESIDE OUTSIDE THE UNITED STATES, INFORMATION PUBLISHED AT THIS SITE MAY REFER TO PRODUCTS, PROGRAMS OR SITES THAT ARE NOT AVAILABLE IN YOUR COUNTRY. Some jurisdictions may not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to You.

13. YOU HEREBY RELEASE AND FOREVER DISCHARGE GARRETT AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO YOUR USE OF THIS SITE OR THE INFORMATION PROVIDED THEREIN, SPECIFICALLY INCLUDING BUT NOT LIMITED TO ANY CLAIMS BASED IN WHOLE OR IN PART UPON THE ALLEGED NEGLIGENCE OF GARRETT, IN OPERATING THE SITE OR OTHERWISE.

14. GARRETT DOES NOT WARRANT THAT THE SITE OR ITS CONTENTS WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES GARRETT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENTS OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SITE.

15. GARRETT does not assume any responsibility or risk for Your use of the Site. GARRETT does not guarantee or warrant that files available for downloading from the Internet will be free of infection of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy Your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

16. You will indemnify and hold GARRETT, its licensors, content providers, service providers and contractors (the “Indemnified Parties”) harmless from any breach of these Terms of Use by You, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys’ fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of Your use of the information accessed from the Site.

17. GARRETT cannot guarantee the security of any information You provide to GARRETT through this Site. GARRETT makes no warranties or representations about the security of the information You provide and disclaims all liability associated with the unauthorized disclosure or use of Your information by a third party. YOU HEREBY RELEASE AND FOREVER DISCHARGE GARRETT AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR INFORMATION OR ANY CONSEQUENCES RESULTING THEREFROM.

18. This Site may contain hyperlinks to websites operated by third parties other than GARRETT. Such hyperlinks are provided for Your reference only. GARRETT does not control such third party websites and is not responsible for their contents. GARRETT’s inclusion of the hyperlinks to such websites does not imply any endorsement of the material on such website or any association with their operators. GARRETT does not make any representations regarding the content or accuracy of information on such third party websites. If You access any of the third party websites linked to this Site, You do so entirely at your own risk. Use of any information obtained from such websites is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.

References therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by GARRETT. You release GARRETT (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with such hyperlinks.

19. GARRETT may market and sell products and services on or through this Site including without limitation books and other information through the Bookstore feature. You agree that GARRETT shall not be responsible or liable for any loss or damage of any sort incurred as the result of the marketing and sale of any such products or services offered. You release GARRETT (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with the marketing or sale of such products or services or the use thereof.

20. These Terms of Use will be governed by the law of the State of Kansas, without regard to its choice of law provisions. Any legal action, suit or proceeding brought by it in any way arising out of these Terms of Use must be brought solely and exclusively in the federal or state courts of the State of Kansas. If any provision of this agreement is held by a court of competent jurisdiction to be illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect.

21. GARRETT may at any time revise these Terms of Use by updating this posting. You are bound to any such revisions and should therefore periodically visit this page to review the then current Terms of Use.

By accessing and/or using the GARRETT website (the "Site"), You accept, without limitation or qualifications, the following Terms of Use: 1. GARRETT maintains this Site for Your personal use, entertainment, information, education, and communication. GARRETT grants You the permission to use and view the Site subject to these Terms of Use. 2. You may not modify, copy, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, materials, software, designs, drawings, content, products or services from the Site (together "Content") in any form without GARRETT's prior written permission. You may print out a copy or download Content solely for Your personal use. In doing so, You may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. 3. Fee-only financial planning and investment advisory services are very individualized in nature. Without a personal review of Your financial situation, it is impossible to offer You proper financial advice. As such, the information and opinions provided by GARRETT throughout this Site are meant for educational purposes only. In no way should they be construed as being offered specifically for Your use or being specially applicable to Your financial situation. GARRETT cannot guarantee the accuracy or correctness of any information or opinion provided throughout this Site and specifically disclaims all liability whatsoever associated with Your use of or reliance upon such information and opinions. You agree that any use of the information or opinions provided in this Site is at Your sole risk. 4. GARRETT will make every effort to update this Site on a periodic basis. However, some information, articles, and opinions provided on this Site may contain, relate to, or be based upon non-current financial conditions. As such, GARRETT cannot guarantee the accuracy, correctness, or timeliness of any information or opinion provided in this Site. It is very important that You discuss any ideas or opinions presented in this Site with Your financial advisor prior to implementation. 5. Fee-only financial planning is merely an option provided to individuals looking to obtain financial advice. GARRETT cannot guarantee that fee-only financial planning will be a less expensive alternative than other payment options in the financial advising industry. Furthermore, as with any financial planning service, GARRETT or the GARRETT Members cannot guarantee the success of fee-only financial planning or that it will be the best option available to You. 6. GARRETT cannot guarantee that use of the GARRETT materials or fee-only services will be profitable. GARRETT makes no representations or warranties of any kind with respect to the success or profitability associated with fee-only services and disclaims all liability associated therewith. 7. Fee-only financial services offer advice with respect to certain areas of Your finances. Unless specifically requested, there is a possibility that less than an exclusive review of Your financial situation will occur. GARRETT makes no representations or warranties that a full review of Your financial situation will be conducted. It is up to You and Your individual GARRETT Member to determine the proper scope of the advice given. If You desire advice with respect to certain assets, it is important that You convey Your desire to Your individual GARRETT Member so that the proper financial advice may be obtained. 8. The main purpose of this Site is to provide You with information about fee-only financial planning and the financial planners that provide this service. The financial advisors listed in this Site are not employees of GARRETT. While GARRETT does make an effort to screen the financial advisors listed in this Site, GARRETT cannot guarantee the accuracy of their background qualifications or the quality of services they may provide. GARRETT makes no representation or warranty of any kind regarding these issues and disclaims all liability associated therewith. Reference to any financial planner listed in this Site should not be construed as a recommendation or endorsement of the planner except for the fact that the planner offers fee-only services. 9. GARRETT has the right at any time to change or discontinue any aspect or feature of the Site. 10. The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of GARRETT and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of GARRETT or such party that may own the Trademark. Your use of the Trademarks displayed on the Site, or any other content on the Site, except as provided in these Terms of Use, are strictly prohibited. GARRETT will aggressively enforce its intellectual property rights to the fullest extent of the law, including seeking criminal prosecution. 11. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Sheryl Garrett, Principal, The Garrett Planning Network, Inc., and her editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. You agree that any use of the information provided herein will be at Your sole risk. 12. Your use of and browsing in this Site are at Your sole risk. THE SITE IS PROVIDED ON AN “AS IS” BASIS, WITH ALL FAULTS. GARRETT MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, NONINFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE, AS TO THE OPERATION OF THE SITE OR THE NATURE OR ACCURACY OF THE INFORMATION INCLUDED IN THE SITE OR AS TO ANY OTHER MATTER. GARRETT AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITE, ARISING FROM THE USE OF THE INFORMATION AND OPINIONS PROVIDED THEREIN, OR ARISING FROM THE ALLEGED NEGLIGENCE OF THE COMPANY, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. IF YOU RESIDE OUTSIDE THE UNITED STATES, INFORMATION PUBLISHED AT THIS SITE MAY REFER TO PRODUCTS, PROGRAMS OR SITES THAT ARE NOT AVAILABLE IN YOUR COUNTRY. Some jurisdictions may not allow the exclusion of certain implied warranties, so some of the above exclusions may not apply to You. 13. YOU HEREBY RELEASE AND FOREVER DISCHARGE GARRETT AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO YOUR USE OF THIS SITE OR THE INFORMATION PROVIDED THEREIN, SPECIFICALLY INCLUDING BUT NOT LIMITED TO ANY CLAIMS BASED IN WHOLE OR IN PART UPON THE ALLEGED NEGLIGENCE OF GARRETT, IN OPERATING THE SITE OR OTHERWISE. 14. GARRETT DOES NOT WARRANT THAT THE SITE OR ITS CONTENTS WILL BE UNINTERRUPTED OR ERROR FREE; NOR DOES GARRETT MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY, RELIABILITY OR CONTENTS OF ANY INFORMATION, SERVICE, OR PRODUCT PROVIDED THROUGH THE SITE. 15. GARRETT does not assume any responsibility or risk for Your use of the Site. GARRETT does not guarantee or warrant that files available for downloading from the Internet will be free of infection of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy Your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data. 16. You will indemnify and hold GARRETT, its licensors, content providers, service providers and contractors (the "Indemnified Parties") harmless from any breach of these Terms of Use by You, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of Your use of the information accessed from the Site. 17. GARRETT cannot guarantee the security of any information You provide to GARRETT through this Site. GARRETT makes no warranties or representations about the security of the information You provide and disclaims all liability associated with the unauthorized disclosure or use of Your information by a third party. YOU HEREBY RELEASE AND FOREVER DISCHARGE GARRETT AND ITS OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, FROM ANY AND ALL MANNER OF LIABILITY, CLAIMS, COUNTERCLAIMS, DEMANDS, SETOFFS, DAMAGES, OR CAUSES OF ACTION, WHICH YOU NOW HAVE OR WHICH MAY HEREAFTER ACCRUE, WHETHER HERETOFORE ASSERTED OR UNASSERTED, KNOWN OR UNKNOWN, ARISING OUT OF, OR IN ANY WAY RELATING TO THE UNAUTHORIZED DISCLOSURE OR USE OF YOUR INFORMATION OR ANY CONSEQUENCES RESULTING THEREFROM. 18. This Site may contain hyperlinks to websites operated by third parties other than GARRETT. Such hyperlinks are provided for Your reference only. GARRETT does not control such third party websites and is not responsible for their contents. GARRETT's inclusion of the hyperlinks to such websites does not imply any endorsement of the material on such website or any association with their operators. GARRETT does not make any representations regarding the content or accuracy of information on such third party websites. If You access any of the third party websites linked to this Site, You do so entirely at your own risk. Use of any information obtained from such websites is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. References therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by GARRETT. You release GARRETT (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with such hyperlinks. 19. GARRETT may market and sell products and services on or through this Site including without limitation books and other information through the Bookstore feature. You agree that GARRETT shall not be responsible or liable for any loss or damage of any sort incurred as the result of the marketing and sale of any such products or services offered. You release GARRETT (and our officers, directors, agents, subsidiaries and employees) from claims, demands and damages of every kind, known or unknown, arising out of or in connection with the marketing or sale of such products or services or the use thereof. 20. These Terms of Use will be governed by the law of the State of Kansas, without regard to its choice of law provisions. Any legal action, suit or proceeding brought by it in any way arising out of these Terms of Use must be brought solely and exclusively in the federal or state courts of the State of Kansas. If any provision of this agreement is held by a court of competent jurisdiction to be illegal, invalid, or unenforceable, the remaining provisions shall remain in full force and effect. 21. GARRETT may at any time revise these Terms of Use by updating this posting. You are bound to any such revisions and should therefore periodically visit this page to review the then current Terms of Use.