401kTutor.com is a free service offered by Beam Capital Management, LLC, a registered investment advisor. The content on this website is for informational purposes only and is aimed to provide you with basic tools that will empower you to become a better investor.

1. General

We may change the Terms of use from time to time without notice. Your continued access or utilization of the Website (or any part of the Website such as the email alerts) following such change shall be deemed to be your acceptance of such change. It is your responsibility to check regularly to determine whether the Terms have been changed. If you do not agree to any change to the Terms then you should immediately stop using this Website.

2. Your Use of the Website

By using this website you acknowledge and agree that

a) Nothing on this website is to be considered personalized investment advice.
 
b)  Investment 401k allocation models offered are i) offered free of charge, ii) are suggested recommendations only, iii) are based on limited assumptions, iv) are not-personal in nature and do not take into account your total financial picture. You should use them at your own risk.

c) Investing in securities markets is risky and we do not guarantee any positive outcome. Suggested allocation models may cause a portfolio invested accordingly to lose value.

d) Past performance is no guarantee of future results.

e) Suggested allocation models are subject to change at any time. While we will endeavor to notify those of you who opted to receive such notice of allocation model changes, there is no guarantee that we will be able to provide timely notice nor are we under any legal obligation to do so.

f) Suggested allocation models are suggested as of the date they are posted on this website. 401kTutor.com is under no obligation to update this website even if our views have changed since the last allocation models were posted.

3. Intelectual Property

We hereby grant you a limited, non-exclusive, non-transferable license to access and view the content and materials on the Website solely for your personal, non-commercial use. Except as expressly provided in these Terms, you agree not to (and agree not to assist or facilitate any third party to) save, modify, reproduce, transmit, publish, display, distribute or use for any purposes, whether commercial or non-commercial, the Website or any software and information contained within it without our permission. You agree not to decompile, reverse engineer, disassemble, rent, lease, loan, sublicense, commercially exploit or create derivative works from the Website, except to the extent that applicable law specifically prohibits this restriction.

4-Warranties

THIS WEBSITE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY WEBSITE RELATED SERVICE, OR ANY PRODUCT OR SERVICE LICENSED CURRENTLY OR IN THE FUTURE, PURCHASED OR OTHERWISE MADE AVAILABLE FREE THROUGH THE WEBSITE, IS PROVIDED “AS IS” WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, 401KTUTOR.COM AND ITS OWNERS, SUBSIDIARIES, AFFILIATES, SUPPLIERS, SPONSORS, OFFICERS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. NEITHER 401KTUTOR.COM, ITS OWNERS, SUBSIDIARIES, AFFILIATES, SPONSORS, OFFICERS, SUPPLIERS NOR AGENTS MAKES ANY REPRESENTATION AS TO THE RESULTS TO BE OBTAINED FROM USE OF THE WEBSITE OR THE WEBSITE-RELATED SERVICES. 

401KTUTOR.COM, ITS OWNERS, SUBSIDIARIES, AFFILIATES, SPONSORS, OFFICERS, SUPPLIERS, AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITE OR THE SERVER(S) ON WHICH IT IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE WILL MEET YOUR NEEDS.

5-Indemnity

You agree to be fully responsible for, and fully indemnify us against, all claims, liability, damages, losses, costs and expenses, including legal fees, suffered by us and arising out of any breach of the Terms by you or any other liabilities arising out of your use of the Website.