Terms and Conditions of Use

Your access to and use of AdamHagerman.com, a product and service 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 and clicking “I Agree” below, 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.

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. You agree to review the terms and conditions periodically and be aware of such revisions.

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.

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.

Submissions and Postings

Because AdamHagerman.com may host message boards, comments, forums, and receive electronic communications on the site and therefore redistribute material that is submitted or posted by you, we must obtain certain rights over those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information, or other materials (collectively, “Materials”), or by posting such Materials to any area of the site, you grant us and our designees a worldwide, non-exclusive, sub-licensable, assignable, royalty free, perpetual, irrevocable right to use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in message boards, comments, or other forums shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.

You also warrant that the holder of any Rights in such content has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through this site are not confidential, and your communications may be read, changed, or interrupted by others. You acknowledge that by using or accessing this site no confidential, fiduciary, contractually implied or other relationship is created between you and AdamHagerman.com

Financial Advice

First Step Financial, LLC and AdamHagerman.com exists for educational purposes only and is not an investment advisory service nor an investment advisor, nor does AdamHagerman.com provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel, and/or tax advisor to determine the suitability of any investment or financial plan.

The nature of the materials presented on AdamHagerman.com are for general informational purposes only. No information on any part of the site is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The information on the site should not be relied upon for purposes of transacting securities or other investments. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or information source. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions and will not hold AdamHagerman.com liable for any damages relating to your personal finances or investments.

All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice regardless of its source critically. The Securities and Exchange Commission (the “SEC”) maintains a web site with reports, proxy, and information statements, and other information regarding certain companies that file with the SEC. In addition, the SEC also provides information on various kinds of cyber-fraud. The address of this Web site is http://www.sec.gov/. Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at http://www.nasdr.com/.

You understand and agree that AdamHagerman.com does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on AdamHagerman.com is for educational and informational purposes only. Sample allocations, portfolios and strategies provided are designed to educate and inform, and should not be viewed as direct recommendations. You understand and agree that any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS.

No opinions or recommendations contained herein shall be construed as investment advice. You cannot assume that any recommendations, insights, philosophies, or other information will ensure or lead to profitable investment.

ADAMHAGERMAN.COM IS HERE SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION CONTAINED HEREIN. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION. ADAMHAGERMAN.COM IS NOT A REGISTERED FINANCIAL ADVISOR.

First Step Financial, LLC Staff, Community Leaders, and Participants

Anyone can contribute to the communications in the message boards, comments, chat, groups and instant messaging including but not limited to anonymous persons, employees, contractors, or volunteers working on behalf of AdamHagerman.com. These communications may be about investing, financial planning, and stocks or any related topic. Everyone is free to contribute as they see fit subject to the rules contained within this Agreement. AdamHagerman.com does not regulate what anyone says. Any person regardless of their origin could post messages or make statements that are inaccurate, deceptive, misleading or outright false. Their opinions are entirely their own, and may differ substantially from the opinions of AdamHagerman.com management.

You should not rely upon the information or opinions you read here or anywhere else. Rather, you should use this information as a starting point for doing your own independent research. Always independently judge for yourself the merits of material that is found on this web site regardless of its source. You should not assume that anyone posting information on this site has any special expertise or insight merely because they are employed by, contract for, or volunteer for, AdamHagerman.com.

AdamHagerman.com does not guarantee the veracity, reliability, or completeness of any information provided anywhere on this site, email promotions, newsletter, or in any hyperlink appearing on our site and we will not be responsible for any loss or damage caused by a user’s reliance on information contained therein. You are responsible for your own investment and financial decisions.

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.

Indemnification

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

The terms and conditions appearing on this page and elsewhere on this site will be governed by and construed in accordance with the laws of the State of Maryland, without giving effect to its conflict of laws provisions or your actual state or country of residence. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to these Terms of Use or otherwise related to AdamHagerman.com’s services or your use thereof shall be an appropriate state or Federal court located in the State of Maryland, and your use of and access to this site acts as an express consent to the jurisdiction of such appropriate court and you waive any jurisdictional, venue, or inconvenient forum objections to such courts. Use of and access to this site is unauthorized in any jurisdiction that does not give full effect to this paragraph is prohibited.

Third Party Products and/or Services

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.

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.