DISCLAIMER

Disclaimer

Newsletter Disclaimer:

Our website contains previous dated newsletters where specific information may be dated and may no longer reflect Spiritus Financial Planning, Inc. financial recommendations.

Links to Other Websites Disclaimer:

This site may provide, or third parties may provide, links to other websites or resources. Spiritus Financial Planning, Inc. has no control over such sites and resources, is not responsible for their availability, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from them. Spiritus Financial Planning, Inc. 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 use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them. Spiritus Financial Planning, Inc. makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to the Web site or incorporated therein. All such information is provided solely for convenience and all users should be guided accordingly.

Spiritus Financial Planning, Inc. Website:

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that the future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this website, or indirectly via link to any unaffiliated thirdparty Web site, will be profitable or equal to corresponding indicated performance levels. Different types of investments involved varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client's or prospective client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Web site serves as the receipt of, or a substitute for, personalized individual advise from the adviser or any other investment professional. Historical performance results for investment indexes and/or categories generally do not reflect the deductive of transaction and/or categories generally do not reflect the deduction of transaction and/or custodial charges or the deduction of an investment-management fee, the incurrence of which would have (the) effect of decreasing historical performance results.