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Last Updated: October 27, 2021

The Services are provided by “Advisers Give Back, Inc” (a non-profit organization) are for informational purposes only, to assist you in managing your own finances and decision-making. Neither Advisers Give Back nor the Services are intended to provide legal, tax or financial advice. Advisers Give Back is not a financial adviser, investment adviser, financial planner, broker or tax adviser. Your personal financial situation is unique, and therefore any information and/or recommendations obtained through the Services may not be appropriate for your own situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

Your use of the Advisers Give Back application is completely voluntary and you are free to withdraw from it at any time. Any information provided will be analyzed anonymously and reported only in aggregate. Throughout your use of Advisers Give Back you may be participating in a study. The purpose of these studies will be to better understand the ways in which people make financial decisions. There are no known risks or benefits for participating in these studies.

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, POLICIES AND GUIDELINES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEB SITE.

These terms and conditions of use (“Site Terms”) apply to your access to, and use of, the Web site of Advisers Give Back located at (the “Site”) and the collection of resources, data, software, tools and other services available from Advisers Give Back on the Site. These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Advisers Give Back, or its subsidiaries or affiliates, for products, services or otherwise.

No Investment Recommendations or Professional Advice. The information provided on this Site is for general informational purposes only and should not be considered an individualized investment recommendation or personalized investment advice. Nothing on the Site or in the Services is intended to provide tax, legal, insurance or investment advice or should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any product or service by Advisers Give Back or any associated third party. If you receive any individualized investment recommendations or investment advice directly from any independent financial advisers, you acknowledge that any such recommendations or advice are not being provided by, and are not the responsibility of, Advisers Give Back.

The type of savings and investment strategies mentioned may not be suitable for everyone, and you alone are solely responsible for determining whether any investment, strategy or any other product or service is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an independent financial adviser, attorney or tax professional regarding your specific investment, legal or tax situation. The content provided is not intended to represent results you should expect in the future, and Advisers Give Back cannot and does not guarantee the accuracy, completeness or reliability of any information provided on or through the Site.

You agree that you are solely responsible for any actions taken based on any content found on the Site or any site associated with Advisers Give Back and hereby release Advisers Give Back from any and all liability.

The financial professional (hereafter “Adviser”) that you may interact through the Advisers Give Back platform agrees in advance to the following guidelines. Therefore, as a consumer of the Advisers Give Back Service you acknowledge that you are entering into an engagement for which the Adviser will receive no compensation (payment), directly or indirectly, for services provided.

The scope of this engagement is to be determined jointly between the Adviser and the Pro Bono Client. In many cases, the Pro Bono Client may be seeking pro bono financial guidance on specific issues or questions, in which case the Adviser will endeavor to provide financial guidance as requested. As examples, questions and issues raised by the Pro Bono Client may relate (but are not limited to) the following:

  1. Developing goals;
  2. Managing assets and liabilities (including debt, savings, and investments);
  3. Managing cash flow (includes monitoring spending, addressing banking needs, and discussing the need to pay bills in a timely manner);
  4. Identifying and managing risks (including with respect to medical, disability, life, property, and casualty insurance, and benefits, settlements and claims administration);
  5. Identifying and managing the financial effects of health conditions;
  6. Providing for educational needs;
  7. Achieving financial security (including preserving or increasing wealth);
  8. Identifying tax considerations;
  9. Preparing for retirement; and
  10. Addressing estate and legacy matters.

In accordance with the terms described in this agreement, Adviser will provide financial guidance and/or planning recommendations, which may be presented orally or electronically.

The Adviser will have no control or power to handle your assets and will not have a Power of Attorney engagement with you.

When providing financial guidance or planning to you, the Adviser shall comply with the CFP Board’s Code of Ethics and Standards of Conduct [https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct] pertaining to the engagement.

Depending on the engagement, the Adviser may describe to you the qualitative and quantitative information (concerning your personal and financial circumstances) that the Adviser needs to assist you. You may collaborate with the Adviser to obtain the information.  The Adviser will analyze the qualitative and quantitative information to assess your personal and financial circumstances. If unable to obtain information necessary to assist the client with the identified needs, the Adviser will limit the scope of engagement to those services the Adviser is able to provide or terminate the engagement.

The duration of this pro-bono engagement is not intended to be a long-term or ongoing relationship. This engagement will terminate when the Adviser provides the financial guidance and/or planning recommendations to you. While the Adviser may interact with you after presenting the financial guidance and/or planning recommendations for the purposes of checking-in with you, the Adviser will not implement, monitor or update the financial recommendations and these services are specifically excluded from the scope of this engagement.  If you are interested in receiving financial guidance to implement, monitor, and/or update his/her financial planning recommendations, then you will need to secure the services of another professional.

You will not be required to make any payment for the services provided under this engagement and will incur no costs for the services provided. The Adviser will receive no compensation for this engagement. The Adviser is prohibited from charging for additional services that were not anticipated at the time of this engagement but that the Adviser provides during the course of the engagement.

In the unlikely case that the Adviser and you intend to enter into an engagement after the Adviser presents the financial planning recommendations, you and the Adviser must terminate the Advisers Give Back engagement, and the Adviser must notify Advisers Give Back of the Adviser’s intent to enter into another engagement with you.

The Adviser will comply with all applicable regulatory, professional and ethical obligations, including but not limited to those imposed by the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), and state securities and insurance regulators.

The Adviser represents to you that the Adviser’s background, including any disciplinary actions or bankruptcy, has been disclosed as required.

The Adviser represents that the Adviser has not at any time been censored, convicted, or otherwise found by competent authority to be guilty of any fraudulent activity or professional misconduct.

The Adviser affirms that all professional licenses and certifications held by the Adviser are in good standing.

The Adviser interacting with you may be using the Advisers Give Back platform. If so, neither Advisers Give Back, the Adviser’s firm, nor any of their respective individual directors, officers, employees, agents or members, and grantees has or assumes any responsibility or liability for the accuracy or appropriateness of any services provided by the Adviser. You acknowledge that you must make an independent judgment regarding the Adviser's qualifications and whether to retain the Adviser for the engagement.

All services provided by the Adviser are provided solely by the individual Adviser and not by or on behalf of Advisers Give Back, or its affiliates. Both the Adviser and you agree to indemnify, defend and hold Advisers Give Back as well as its individual directors, officers, employees, agents or members, and grantees (other than the Adviser), harmless from any loss, damage, cost or liability in any way arising from such services, acts or omissions.

You further agree to indemnify, defend, and hold the Adviser harmless from any loss, damage, cost or liability in any way arising from the Adviser’s services, acts or omissions.

You understand that the responsibility for financial decisions is your own and that you are under no obligation to follow, either wholly or in part, any recommendation or suggestion provided by the Adviser. You also understand that completion of the financial planning process may be a prerequisite to being granted services, items, or acceptance into programs by a sponsoring organization.

Should any concern arise between the Adviser and you, it is agreed that the Adviser and you will consult with each other to resolve such issues. Any unresolved issue shall then be submitted to non-binding mediation under the Commercial Mediation Rules of the American Arbitration Association. Any dispute still unresolved may then be submitted to binding arbitration under the Securities Industry Arbitration Rules of the American Arbitration Association.

The terms of this engagement are limited to those items described in this Terms of Use, and this engagement will terminate upon the completion of these services or written notice of either the Adviser or you, except for any obligation to indemnify, defend and hold harmless which shall survive for the applicable statute of limitation period.

The Adviser will treat non-public, confidential information of yours as private and confidential and will not share the non-public, confidential financial information with others unless the Adviser receives permission from you.

It is your responsibility to report any financial plan details and subsequent goals or progress to the sponsoring organization, if necessary.

The Adviser may report non-confidential information regarding the program to the sponsoring organization or related partner, including general topics on which the Adviser is assisting and whether the engagements are ongoing or closed.

It is your responsibility to return calls or email contacts from the Adviser. The Adviser should notify the sponsoring organization if the pro bono client has not maintained contact and, if necessary, may terminate the engagement.

The engagement will be concluded upon the delivery of the financial guidance and/or planning recommendations from the Adviser to you. The Adviser will be responsible for the engagement but may delegate tasks to others, including allied professionals, paraAdvisers, CFP candidates, at the Adviser’s direction.

Modifications to Site Terms. You acknowledge and agree that Advisers Give Back may modify these Site Terms and any policies or guidelines applicable to the Site at any time by posting the revised Site Terms on the Site and indicating at the top thereof the date such document was last updated. These modifications will be effective immediately upon posting. You expressly agree to such form of notification and waive any right to receive individual notice of such modifications. Unless stated otherwise, any new features or enhancements to the current Services shall be subject to this agreement in addition to any terms that may be applicable to particular services. You are responsible for regularly reviewing these Site Terms and any applicable changes. If you do not agree to the amended terms, you must stop using the Site and the Services. Continued use of the Site and the Services after any changes take effect will constitute your acceptance of such changes.

Minimum Age Limit. You must be eighteen (18) years of age or older to use the Site and the Services, and you must have all necessary right, power and authority to enter into these Site Terms and to perform the acts required hereunder. Any use of or access to the Site or Services by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Services or the Site, you represent and warrant that you are eighteen or older.

Account Information; Security. You agree to maintain and update your account information to keep it complete and accurate and to maintain the confidentiality of any password. You are responsible for all activity occurring through use of your account and/or password, and you agree to immediately notify Advisers Give Back of any actual or suspected unauthorized use of your account or password. Advisers Give Back will not be responsible for any loss to you arising from your failure to comply with the above.

E-mail Address. We will contact you at the e-mail address you have provided. You agree to provide a valid email address for such purposes. By providing your e-mail address, you agree that you will accept all electronic communications from us at your e-mail address and will not make any claims against us if you do not receive any communications we send to your e-mail address. You agree to notify us promptly if your e-mail address changes.

Mobile Number. We will contact you at the mobile number you have provided. You agree to provide a valid mobile number for such purposes. By providing your mobile number, you agree that you will accept telephonic and text based communications from us at your mobile number and will not make any claims against us if you do not receive any communications we send to your mobile number. You agree to notify us promptly if your mobile number changes.

User Conduct; User Content. The Site may include interactive areas or services (“Interactive Areas”) such as note fields, online storage services, or other areas or services in which you or other users create, post or store any content, information, messages, materials, data, text, sound, photos, video, graphics, code or other items or materials on the Site (“User Content”). You agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:

User Content that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;

User Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law, including, without limitation, the regulations of the U.S. Securities and Exchange Commission or any rules of a securities exchange such as the New York Stock Exchange, the American Stock Exchange or the NASDAQ;

User Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party. By posting any User Content, you represent and warrant that you have the lawful right to distribute and reproduce such User Content;

User Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;

Unsolicited promotions, political campaigning, advertising or solicitations;

Private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers;

Viruses, corrupted data or other harmful, disruptive or destructive files; and

User Content that, in the sole judgment of Advisers Give Back, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Advisers Give Back or its users to any harm or liability of any type.

Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Site Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.

Advisers Give Back takes no responsibility and assumes no liability for any user conduct or User Content. Advisers Give Back does not warrant the truth or accuracy of, User Content, nor is Advisers Give Back liable for any defamation, slander, libel, omissions, falsehoods, obscenity, pornography, profanity or inappropriate content you may encounter. Your use of Interactive Areas is at your own risk.

You agree to release and hold harmless Advisers Give Back for any damages arising out of false or inaccurate User Content. Advisers Give Back may alter without prior notice to you any User Content which in its opinion is false, inaccurate or materially misleading on its face or otherwise. Advisers Give Back may remove without prior notice to you any material from any User Content which in its sole opinion is profane or offensive to other users of the Services. You hereby grant Advisers Give Back an irrevocable, world-wide, non-exclusive, perpetual and fully sublicensable license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such User Content on and in connection with the Site and the Services.

You are solely liable for any User Content you post on the Site, and you represent and warrant that (a) you own and control all of the rights to the User Content that you post or you otherwise have the right to post such User Content to the Site; (b) the User Content is accurate and not misleading; and (c) use and posting of the User Content you supply does not violate these Site Terms and will not infringe upon or violate the rights of, or cause injury to, any person or entity.

Links. You are granted a limited, non-exclusive right to create a text hyperlink to the Site for noncommercial purposes, provided such link does not portray Advisers Give Back or any of its products and services in a false, misleading, derogatory or otherwise defamatory manner and provided further that the linking site does not contain any adult or illegal material or any material that is offensive, harassing or otherwise objectionable. This limited right may be revoked at any time. You may not use a Advisers Give Back logo or other proprietary graphic to link to this Site without the express written permission of Advisers Give Back. Further, you may not use, frame or utilize framing techniques to enclose any Advisers Give Back trademark, logo or other proprietary information, including the images found at the Site, the content of any text or the layout/design of any page or form contained on a page on the Site without Advisers Give Back’s express written consent.

The Site contains links to world wide web sites and content which is not a part of the Services. Advisers Give Back provides these links to you only as a convenience, and the inclusion of any link does not imply affiliation, endorsement or adoption by Advisers Give Back of any site or any information or company contained therein. You agree and acknowledge that Advisers Give Back is not responsible for such third party Web sites or the quality, content, nature or reliability thereof. When you leave the Site, you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.

Third Party Content. Advisers Give Back may display third party advertisements and may post or provide links to third-party content or websites (collectively the “Third Party Content”). Advisers Give Back does not endorse, adopt or have any control over any Third Party Content and can make no guarantee as to its accuracy or completeness. In addition, Advisers Give Back is not responsible or liable for any Third Party Content, including any content considered harmful, objectionable, inappropriate or offensive.

Third Party Products and Services. We may from time run advertisements and promotions from, provide information regarding, make referrals to or assist you in locating information regarding third parties who provide products or services that may be of interest to you (“Third Party Products and Services”). Advisers Give Back does not approve, recommend, endorse or guarantee the availability of such third parties or the Third Party Products and Services, and we do not monitor or have any control over such Third Party Products and Services. Therefore, we can make no guarantee as to the value, reliability, safety, accuracy, completeness, or performance of such Third Party Products or Services or the results obtained therefrom. You agree that Advisers Give Back shall not be liable for loss or damages of any sort incurred as the result of using any Third Party Products or Services or from your dealings with such third parties. Your business or other dealings with such third parties are solely between you and such third party. You assume full responsibility and assume all risk for your use of such Third-Party Products or Services.

Trademarks. Advisers Give Back®, the Advisers Give Back logos and any other product or service name or slogan contained in the Site are trademarks of Advisers Give Back and its suppliers or licensors, and may not be copied, imitated or used, in whole or in part, without the prior written permission of Advisers Give Back or the applicable trademark holder. You may not use any metatags or any other “hidden text” utilizing “Advisers Give Back” or any other name, trademark or product or service name of Advisers Give Back without our prior written permission. In addition, the look and feel of the Site, including all page headers, custom graphics, button icons and scripts, is the service mark, trademark and/or trade dress of Advisers Give Back and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Copyright; Limited License; Restrictions on Use. Certain content on the Site (“Site Content”), including text, graphics, photographs, data, software, news or information, is protected by copyrights, trademarks, service marks, patents, and/or other intellectual property and proprietary rights and laws. You acknowledge that the Site, the Services and any underlying technology used in connection with the Site and the Services contain proprietary information and content of Advisers Give Back or its licensors.

Subject to these Site Terms, you are granted a limited, non-sublicensable, revocable license to access and use the Site and the Services, provided that you may not: (a) reproduce, publish, distribute, create derivative works of, modify, adapt, translate, rent, sublicense, assign, loan, sell, transfer, network, publicly display or transmit the Site or the Site Content, except as expressly permitted on the Site; (b) commercially use or exploit any part of the Site, the Site Content or the Services; (c) decompile, reverse engineer, disassemble, or otherwise reduce the Site or the Services to human perceivable form; (d) scrape or use any data mining, robots or similar data gathering or extraction methods; (e) download (other than the page caching) any portion of the Site, the Site Content or any information contained therein, except as expressly permitted on the Site; or (f) any use of the Site or the Site Content other than for its intended purpose. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of Advisers Give Back, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. You must abide by all copyright notices, information, or restrictions contained in the Site. Neither the Site Terms nor any other agreement entered into by Advisers Give Back limits any of our or our affiliates’ rights under trade secret, copyright, patent or other laws.

Repeat Infringer Policy. In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law, Advisers Give Back has adopted a policy of terminating, in appropriate circumstances and at Advisers Give Back’s sole discretion, subscribers or account holders who are deemed to be repeat infringers. Advisers Give Back may also at its sole discretion limit access to the Site and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

Procedure for Submitting Claims of Copyright Infringement. If you believe that your work has been copied in a way that constitutes copyright infringement please contact the Designated Agent as follows:

Name of Designated Agent: Matthew Iverson-Comelo

Full Address of Designated Agent: 490 43rd St. Suite 350, Oakland, CA 94609

Facsimile Number of Designated Agent: (844) 965-1278

E-Mail Address of Designated Agent: [email protected]

Requirements for providing a valid notice under the DMCA can be found at 17 U.S.C. §512(c)(3).

DISCLAIMER OF WARRANTIES. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

ADVISERS GIVE BACK DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SITE, THE SITE CONTENT, THE SERVICES OR THE ADVISERS FEATURED THEREIN, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, NON-INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE.

THE SITE, THE SITE CONTENT AND THE SERVICES ARE MADE AVAILABLE TO YOU “AS IS” AND “AS AVAILABLE” AND ADVISERS GIVE BACK DOES NOT WARRANT THAT ANY DEFECTS OR INACCURACIES WILL BE CORRECTED. YOUR USE OF THE SITE AND THE SERVICES IS AT YOUR SOLE RISK. ANY SOFTWARE, TOOLS, CONTENT OR OTHER MATERIAL THAT YOU DOWNLOAD OR OTHERWISE OBTAIN VIA THE SERVICES IS AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR FOR ANY LOSS OF DATA RESULTING FROM THE DOWNLOAD OF SUCH MATERIAL.

ADVISERS GIVE BACK DOES NOT WARRANT THAT THE SITE, THE SITE CONTENT, OR THE SERVICES  WILL MEET YOUR NEEDS, OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, COMPLETE, SECURE OR ERROR-FREE. ADVISERS GIVE BACK ALSO MAKES NO WARRANTY THAT THE RESULTS OR INFORMATION OBTAINED FROM THE USE OF THE SITE, THE SITE CONTENT, THE SERVICES  OR ANY THIRD PARTY SITES WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE OR THE SERVICES OR ANY THIRD PARTY SITES OR SERVICES WILL MEET YOUR EXPECTATIONS. ADVISERS GIVE BACK DOES NOT INTEND THE INFORMATION PROVIDED BY THE SERVICES TO BE A SUBSTITUTE FOR PROFESSIONAL ADVICE. YOU ARE RESPONSIBLE FOR CONFIRMING THE ACCURACY AND RELIABILITY OF ANY INFORMATION CONTAINED IN THE SERVICE.

LIMITATION OF LIABILITY. YOU UNDERSTAND THAT IN NO EVENT WILL ADVISERS GIVE BACK OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS OR LICENSORS OR ANY THIRD PARTY PROVIDER BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, LOSS OF BUSINESS REVENUE OR LOST PROFITS, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE OR ANY OTHER THEORY, ARISING OUT OF: (I) YOUR USE OF, INABILITY TO USE OR RELIANCE ON THE SITE, THE SERVICES OR THE SITE CONTENT, OR (II) ANY GOODS OR SERVICES OF ANY FINANCIAL ADVISERS FEATURED ON OR REFERRED THROUGH THE SERVICE OR OTHERWISE ADVERTISED ON OR OFFERED OR REFERRED TO YOU THROUGH THE SERVICES; EVEN IF ADVISERS GIVE BACK OR ANY RELATED PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF ADVISERS GIVE BACK, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF THE SITE, THE SERVICES, THE SITE CONTENT OR THE ADVISER PRODUCTS OR SERVICES EXCEED THE FEES YOU PAY, IF ANY, TO ADVISERS GIVE BACK FOR ACCESS TO OR USE OF THE SITE OR THE SERVICES. BECAUSE SOME STATES OR APPLICABLE FEDERAL LAWS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

ADVISERS GIVE BACK BEARS NO RESPONSIBILITY FOR ANY DAMAGES ARISING FROM ANY FAILURE OF PERFORMANCE, FAILURE TO STORE, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, ERROR IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, TELECOMMUNICATIONS LINE FAILURE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS, ALTERATION OR USE OF RECORDS, BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION.

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 AND DISCLAIMERS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF ADVISERS GIVE BACK ITS OFFICERS, DIRECTORS, INVESTORS, EMPLOYEES, CONTRACTORS, AGENTS, ASSIGNS, SUBSIDIARIES AND AFFILIATES IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification. As a condition of your use of the Site and the Services, you agree to defend, indemnify and hold Advisers Give Back and its volunteers, independent contractors, service providers, partners and consultants, and their respective directors, employees and agents harmless from and against any and all claims, actions, damages. losses, liability, costs and expenses (including but not limited to attorneys’ fees) arising from or relating to your use of the Site or the Services or any products or services provided by you, from your conduct or violation of these Site Terms or your infringement or violation of any intellectual property or other right of a Third Party, from your User Content, or from your violation of any applicable law.

Termination; Removal of Content. You may discontinue your participation in and access to the Services at any time. Advisers Give Back may discontinue or modify the Advisers Give Back Services at any time without prior notice to you, and you accept those modifications if you continue to use the Advisers Give Back Services. In addition, Advisers Give Back may terminate, disable or suspend your account or your access to the Site or the Services for any reason, or for no reason, at any time without prior notice. Advisers Give Back also reserves the right, but bears no obligation, to monitor, screen, edit and remove any content, data or information, including User Content, available or stored through the Services, You are solely responsible for creating backup copies of and replacing any materials you post or store on the Site.

Applicable Law. The Site Terms are entered into in Oakland, California and governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws provisions and shall inure to the benefit of Advisers Give Back’s successors and assigns, whether by merger, consolidation, or otherwise. Federal law governs copyright, patent, and trademark matters. You agree that the proper forum for claims under the Site Terms will be the courts of the State of California for the County of Alameda or the U.S. District Court for the Northern District of California, and you agree to submit to the jurisdiction of these courts.

Severability. If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.