Definitions

For the purposes of these Terms and Conditions:

• Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
• Country refers to: Wisconsin, United States
• Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Kulwicki Advisory Services, LLC, 15300 W. Howard Ave. #510597 New Berlin, WI 53151-9998.
• Device means any device that can access the Service such as a computer, a cell phone or a digital tablet.
• Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.
• Service refers to the Website.
• Terms and Conditions (also referred as “Terms”) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
• Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
• Website refers to Kulwicki Insights, accessible from https://www.kulwickiinsights.com
• You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

This website (“kulwickiinsights.com”) may be referred to as website, kulwickiinsights.com, “Kulwicki Insights”, a blog or other types of content delivery. Kulwicki Insights is part of Kulwicki Advisory Services, LLC. All content on this site is published for informational, educational and entertainment purposes. By accessing this website, you agree to the terms and conditions of this website. If you disagree with the terms and conditions of this website, you should not access this website. This website is intended for those who are at least 18 years old and those under 18 years old are not permitted to access this website. Nothing on this website should be considered a solicitation for any specific investment or service. By accessing this website, you agree this is not an advisor-client relationship. You could lose money by following the information provided on KulwickiInsights.com.

Not Investment Advice

Nothing on this website should be considered investment advice of any kind. All content provided by any author, including Eric Kulwicki or other guest authors/commentators should not be considered financial advice from the authors. All content should be considered opinions and can change at any time. Nothing on this website should be considered a recommendation of an investment, investment strategy, allocation decision, security, transaction, portfolio allocation or other investment-related activity.

Since we do not know the details of the website reader’s personal situation, we cannot provide investment advice specifically tailored to the reader. Please reach out to a financial professional to help you with your specific situation. You should not make personal financial decisions based on what you read on this website.

No content on this website should be considered as validation, confirmation, or support of views nor a description or offering of services from any other company, including investment advisory firms. For any description of services from a financial advisory firm, only utilize the information directly provided by the financial advisory firm and do not rely on any information provided on this website.

The authors of the content of this website may hold investment positions, allocations, utilize third-party products and services and may explain these to the website reader. The authors may also hold investment positions, allocations, utilize third-party products and services that contradict the information and opinions provided on this website. As the authors’ opinions may change at any time, nothing on this website should be considered as a recommendation or advice, rather it should be considered as informational based opinions instead. The reader should do their own due diligence to determine whether or not the information provided in this website is suitable for their own personal circumstances.

Any investment decision made by any reader of this website is solely responsible for their own investment decisions and will not hold this website, its authors, content creators, Eric Kulwicki, or affiliates liable for any outcome.

Investments described on this website can lead to substantial loss and may not be suitable for every investor. Any reference to historically, current or future performance for any security, investment, asset class, investment strategy or other investment-related topic should not be indicative of potential future performance.

Although information about taxes may be presented on this website, nothing on this website should be considered tax advice. Please consult a tax professional for guidance on your tax situation. Any references to legal-related information should not be considered legal advice. Please contact a legal professional for legal guidance for your specific situation.

Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the CFP® certification mark, the CERTIFIED FINANCIAL PLANNER™ certification mark, and the CFP® certification mark (with plaque design) logo in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Your Feedback to Us

You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.

Links to Other Websites, Third-Party Content, Products, Services

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company. The authors may provide links to outside sources, websites, information, provide quotes, and other information provided by third parties. This information should not be considered a confirmation, validation, agreement, support of the third-party information as the author’s opinion may change at any time. Any information provided that utilizes third-party content, products, or services should not be a recommendation of purchase. Any purchase made based on information provided on this website will not place liability on this website, its authors, its owners, Eric Kulwicki or any affiliated person or entity. Links provided to outside websites may not be maintained, updated and could change without notice.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Indemnification

By accessing this website, you will not hold liable and hold harmless this website, its authors, developers, Eric Kulwicki, Kulwicki Advisory Services, LLC, affiliates, third-parties referenced, for any loss, damages, claims or any other costs associated from accessing and reading content on this website. There is no guarantee that ANY content provided on this website will be beneficial to a reader of the content on this website. The reader of content of this website will solely be held liable for all investment decisions and transactions made by the reader of the content on this website.

Reservation of Rights

This website, its authors, content creators and developers reserve the right to access and modify this website as seen fit. This website may or may not be monitored at all times. The website may be down for maintenance or any other reason for an unknown amount of time without notice provided. Nothing in this website is required to be updated, corrected or maintained.

“AS IS” and “AS AVAILABLE” Disclaimer

All information provided on this website is assumed to be accurate but may not be at any given time. Content on this website may be prone to errors, become out of date or not provide the full information available.

The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.

Without limiting the foregoing, neither the Company nor any of the company’s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.

Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.

Governing Law

The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Service or Application may also be subject to other local, state, national, or international laws.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

For European Union (EU) Users

If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in. Kulwicki Insights is not meant for use for non-U.S. citizens and non-U.S. citizens may be denied from obtaining subscriptions to Kulwicki Insights, of which refunds would be provided.

United States Federal Government End Use Provisions

If You are a U.S. federal government end user, our Service is a “Commercial Item” as that term is defined at 48 C.F.R. §2.101.

United States Legal Compliance

You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a “terrorist supporting” country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party’s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

• By visiting this page on our website: https://www.kulwickiinsights.com/contact-me