Terms and Use

PRIVACY POLICY

Thank you for visiting www.estateplanninganswers.org. This site was developed and is operated by The NAEPC Foundation and the National Association of Estate Planners & Councils, collectively known as NAEPC. NAEPC will not provide any unrelated third parties with any name, address, or contact or financial information about the users of this site. We are non-profit organizations offering this site as a public service.

For further information or questions contact

National Association of Estate Planners & Councils
1120 Chester Ave., Suite 470
Cleveland, OH 44114

Phone: 866.226.2224
Fax: 216.696.2582
admin@naepc.org
www.naepc.org

RELATIONSHIP OF PARTIES; DISCLAIMER OF USE

In the preparation of this website and its content, every effort has been made to offer the most current, correct and clearly expressed information possible. Nonetheless, inadvertent errors can occur, and tax rules and regulations often change.

Further, the information provided is intended to offer general guidelines on matters of estate planning, financial planning and management to everyone. The application and impact of tax laws and financial matters can vary widely, based upon the specific or unique facts involved. Accordingly, the information on www.estateplanninganswers.org (referred to hereafter as “the Site”) is not intended to serve as legal, accounting, investment, or tax advice. Readers are encouraged to consult with professional advisors concerning specific matters before making any decision, and the authors and publishers disclaim any responsibility for positions taken by taxpayers in their individual cases or for any misunderstanding on the part of the readers.

This site is not intended to replace legal, tax, financial, investment, or insurance advisors, nor does this site or NAEPC recommend any actions or specific investments or financial products to you. NAEPC and the site content authors are not serving you as your professional advisor (attorney, accountant, tax advisor, investment advisor, insurance agent, trust officer, or financial planner), and nothing in this Agreement nor your use of the Site shall be construed as constituting such a relationship.

You should be aware that tax rules, regulations and rates are constantly changing, and that NAEPC shall make every effort to keep all of it information current and accurate. NAEPC shall not be responsible for any problems arising from the misuse of information found on the Site, including any out of date or erroneous information. Prior to making any financial decisions based on your use of the Site, you should consult with your personal professional advisors for this advice. NAEPC disclaims any responsibility for positions taken by you or for your misunderstanding in the use of the Site.

To ensure compliance with requirements imposed by the U.S. Internal Revenue Service, we inform you that any tax advice contained in this communication (including any attachments) is not intended to be used, and may not be used, by any taxpayer for the purposes of (1) avoiding tax-related penalties under the U.S. Internal Revenue Code or (2) promoting, marketing or recommending to another party any tax-related matters addressed herein.

Certain links on the Site will take you off the Site. Linked sites are not under NAEPC control and NAEPC is not responsible for their content. These links are provided for your convenience and information only. NAEPC does not endorse nor should it be considered to endorse any linked sites.

NAEPC SITE USE AGREEMENT

Using the Site is your acceptance of the terms and conditions of the NAEPC Site Use Agreement. If you do not agree with all the terms and conditions herein, you should promptly exit this site. This NAEPC Site Use Agreement represents the entire agreement concerning the NAEPC Site Use Agreement between you and NAEPC and supersedes any prior proposal, representation, or understanding between the parties.

NAEPC hereby grants to you, and you accept by using the Site, a nonexclusive Limited Site License to use the Site. You agree that you will not assign, sublicense, transfer, pledge, lease, rent, or share your rights under this Limited Site License Agreement. You agree that you may not reverse assemble, reverse compile, or otherwise translate any of the software on the Site, or use any of the content on the Site for commercial means without the express written consent of NAEPC.

NAEPC reserves the right to terminate your use of the Site in the event any of your activities are in breach of this Agreement. Termination of this Agreement automatically terminates your authorization to use the Site.

COPYRIGHTS AND PROPRIETARY RIGHTS

The original content of the Site is copyrighted by NAEPC; Valentino Sabuco, CFP®, AEP®, and Noverus, Inc. (www.NOVERUS.com) and should not be reproduced for commercial use without the prior written consent of both NAEPC and Noverus. Trademarks for financialPARTNER and all names of financialPARTNER systems, tools, publications and products referenced on this site are either trademarks or registered trademarks of Noverus Inc. Other product and company names referenced on the Site may be the trademarks of their respective owners.

Reproduction, transmission, or translation of any part of this work beyond that permitted by Section 107 or 108 of the 1976 United States Copyright Act without permission of the copyright owner is unlawful. Request for permission or further information should be addressed to the Permissions Department of

National Association of Estate Planners & Councils
1120 Chester Ave., Suite 470
Cleveland, OH 44114

Phone: 866.226.2224
Fax: 216.696.2582
admin@naepc.org
www.naepc.org

Copyright © 2011 NAEPC; Valentino Sabuco, CFP®, AEP® and Noverus, Inc.
All rights reserved.

LIMITATION OF LIABILITY

NAEPC’s cumulative liability to you or any other party for any loss or damages resulting from any claims, demands, or actions arising out of or relating to this Agreement shall not exceed the license fee paid to NAEPC by you for the use of the Site. IN NO EVENT SHALL NAEPC; VALENTINO SABUCO, CFP®, AEP®, NOVERUS, INC., OR ANY OTHER CONTENT CONTRIBUTORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR EXEMPLARY DAMAGES OR LOST PROFITS WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, OR TORT, EVEN IF NAEPC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you.

GOVERNING LAW

This License Agreement is governed by the laws of Ohio, without giving effect to conflicts of law rules.

QUESTIONS AND COMMENTS

Should you have any questions concerning this Agreement, you should contact
National Association of Estate Planners & Councils
1120 Chester Ave., Suite 470
Cleveland, OH 44114

Phone: 866.226.2224
Fax: 216.696.2582
admin@naepc.org
www.naepc.org