TERMS & CONDITIONS Please read the following terms and conditions carefully before continuing. By using this site, you signify acceptance of our Terms and Conditions of Use. If you do not agree with these terms, do not use this site. Introduction Strategic Management Advisors, Inc. [SMA] in an independent consulting practice; focused on the strategic growth and business development of independent brokers, advisors, agents and institutions that provide financial and professional services. This site is provided by SMA primarily for the purposes of providing an initial introduction to the services of our firm, and those provided by a network of independent professionals; to our clients and prospective business relationships. The site also contains general information, links and opinions found within the Insurance, Investment and Benefits communities. Modification and Monitoring of Web Site SMA reserves the right, at our discretion, to change, modify, add, or remove portions of these terms at any time. We suggest that you check these terms periodically for changes. SMA expressly reserves the right to monitor any and all use of this web site. Web User Information: We gather and save generic statistics about the number of people who visit our site, the pages most often viewed, etc., strictly for our own use. Any information you choose to provide us (for example, by filling out a survey or sending us e-mail) is used to develop and deliver services and products you requested. We will not sell or provide any information from any of our surveys, e-mail lists, or electronic forms to any third party. No sales person will call you unless you specifically request it. Third-Party Content SMA is in no way responsible for the content of any site owned by a third party that may be linked to this web site via hyperlink, whether such hyperlink is provided by SMA or by a third party. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of this or any site to which SMA may link, including information on the site regarding SMA, and SMA takes no responsibility thereof. Disclaimers There are no implied or expressed warranties on the materials in this site; the materials are provided "AS IS." SMA intends that the information contained in this Web site be accurate and reliable; however, errors sometimes occur. SMA does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available are free from viruses or other harmful components. SMA does not warrant or represent that the materials in this site are correct, accurate, or reliable. You (and not SMA) assume the entire cost of all necessary servicing, repair, or correction of your property or operations as a result of using this web site. The information provided on this site is for informational purposes only. Nothing on this site should be construed as advice. A reference to a product anywhere on this web site is not a recommendation to purchase. Limitations of Liability SMA and its affiliates are not liable under any circumstances - including but not limited to negligence - for any special, consequential or incidental damages that may result from the use of, or the inability to use, the materials on this site, even if SMA has been advised of the possibility of such damages. SMA and its affiliates are not liable for damages or injury, including but not limited to damages or injury caused by any performance, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether resulting, in whole or in part, from breach of contract, tortious behavior, negligence, or otherwise. In no event shall SMA's total liability to you for damages, losses, and causes of action - whether in contract, tort (including, but not limited to, negligence), or otherwise - exceed the amount paid by you, if any, for accessing the SMA site. <<< Back