• Disclosures

    Terms & Conditions

      

    Agreement between User and www.financiallearninglab.org 


    Welcome to www.financiallearninglab.org. The www.financiallearninglab.org website (the "Site") is comprised of various web pages operated by Financial Learning Lab. www.financiallearninglab.org is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.financiallearninglab.org constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference. 

      

    www.financiallearninglab.org is a personal finance education Site. 

      

    The Financial Learning Lab offers various personal finance workshops to individuals and businesses in the local community. 

      

    Privacy 

    Your use of www.financiallearninglab.org is subject to Financial Learning Lab's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices. 

      

    Electronic Communications 

    Visiting www.financiallearninglab.org or sending emails to Financial Learning Lab constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing. 

      

    Children Under Thirteen 

    Financial Learning Lab does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.financiallearninglab.org only with permission of a parent or guardian. 

      

    Links to Third Party Sites/Third Party Services 

    www.financiallearninglab.org may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Financial Learning Lab and Financial Learning Lab is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Financial Learning Lab is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Financial Learning Lab of the site or any association with its operators. 

      

    Certain services made available via www.financiallearninglab.org are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.financiallearninglab.org domain, you hereby acknowledge and consent that Financial Learning Lab may share such information and data with any third party with whom Financial Learning Lab has a contractual relationship to provide the requested product, service or functionality on behalf of www.financiallearninglab.org users and customers. 

      

    No Unlawful or Prohibited Use/Intellectual Property 

    You are granted a non-exclusive, non-transferable, revocable license to access and use www.financiallearninglab.org strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Financial Learning Lab that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. 

      

    All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Financial Learning Lab or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto. 

      

    You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Financial Learning Lab content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Financial Learning Lab and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Financial Learning Lab or our licensors except as expressly authorized by these Terms. 

      

    International Users 

    The Service is controlled, operated and administered by Financial Learning Lab from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Financial Learning Lab Content accessed through www.financiallearninglab.org in any country or in any manner prohibited by any applicable laws, restrictions or regulations. 

      

    Indemnification 

    You agree to indemnify, defend and hold harmless Financial Learning Lab, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Financial Learning Lab reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Financial Learning Lab in asserting any available defenses. 

      

    Arbitration 

    In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions. 

      

    Class Action Waiver 

    Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Financial Learning Lab agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. 

      

    Liability Disclaimer 

    THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. FINANCIAL LEARNING LAB AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME. 

      

    FINANCIAL LEARNING LAB AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. FINANCIAL LEARNING LAB AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. 

      

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCIAL LEARNING LAB AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF FINANCIAL LEARNING LAB OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. 

      

    Termination/Access Restriction 

    Financial Learning Lab reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Michigan and you hereby consent to the exclusive jurisdiction and venue of courts in Michigan in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section. 

      

    You agree that no joint venture, partnership, employment, or agency relationship exists between you and Financial Learning Lab as a result of this agreement or use of the Site. Financial Learning Lab's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Financial Learning Lab's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Financial Learning Lab with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. 

      

    Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Financial Learning Lab with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Financial Learning Lab with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English. 

      

    Changes to Terms 

    Financial Learning Lab reserves the right, in its sole discretion, to change the Terms under which www.financiallearninglab.org is offered. The most current version of the Terms will supersede all previous versions. Financial Learning Lab encourages you to periodically review the Terms to stay informed of our updates. 

      

    Contact Us 

    Financial Learning Lab welcomes your questions or comments regarding the Terms: 

      

    Financial Learning Lab 

    117 East Main Street, Suite 201 

    Northville, Michigan 48167 

        

    Email Address: 

    info@financiallearninglab.org 

      

    Telephone number: 

    248-344-9771 

      

    Effective as of October 31, 2017

    Privacy Policy


    Protecting your private information is our priority. This Statement of Privacy applies to www.financiallearninglab.org and Financial Learning Lab and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Financial Learning Lab include www.financiallearninglab.org. The Financial Learning Lab website is a personal finance education site. By using the Financial Learning Lab website, you consent to the data practices described in this statement. 

      

    Collection of your Personal Information 

    In order to better provide you with products and services offered on our Site, Financial Learning Lab may collect personally identifiable information, such as your: 

      

     - First and Last Name 

     - Mailing Address 

     - E-mail Address 

     - Phone Number 

      

    We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services available on the Site. These may include: (a) registering for an account on our Site; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering an purchasing products and services on our Site. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future. 

      

    Use of your Personal Information 

    Financial Learning Lab collects and uses your personal information to operate its website(s) and deliver the services you have requested. 

      

    Financial Learning Lab may also use your personally identifiable information to inform you of other products or services available from Financial Learning Lab and its affiliates. 

      

    Sharing Information with Third Parties 

    Financial Learning Lab does not sell, rent or lease its customer lists to third parties. 

      

    Financial Learning Lab may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Financial Learning Lab, and they are required to maintain the confidentiality of your information. 

      

    Financial Learning Lab may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Financial Learning Lab or the site; (b) protect and defend the rights or property of Financial Learning Lab; and/or (c) act under exigent circumstances to protect the personal safety of users of Financial Learning Lab, or the public. 

      

    Tracking User Behavior 

    Financial Learning Lab may keep track of the websites and pages our users visit within Financial Learning Lab, in order to determine what Financial Learning Lab services are the most popular. This data is used to deliver customized content and advertising within Financial Learning Lab to customers whose behavior indicates that they are interested in a particular subject area. 

      

    Automatically Collected Information 

    Information about your computer hardware and software may be automatically collected by Financial Learning Lab. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Financial Learning Lab website. 

      

    Links 

    This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. 

      

    Security of your Personal Information 

    Financial Learning Lab secures your personal information from unauthorized access, use, or disclosure. Financial Learning Lab uses the following methods for this purpose: 

      

     - SSL Protocol 

      

    When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. 

      

    We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed. 

      

    Children Under Thirteen 

    Financial Learning Lab does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website. 

      

    E-mail Communications 

    From time to time, Financial Learning Lab may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Financial Learning Lab or click on a link therein. 

      

    If you would like to stop receiving marketing or promotional communications via email from Financial Learning Lab, you may opt out of such communications by Customers may unsubscribe from emails by clicking on the UNSUBSCRIBE button.. 

      

    External Data Storage Sites 

    We may store your data on servers provided by third party hosting vendors with whom we have contracted. 

      

    Changes to this Statement 

    Financial Learning Lab reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Your continued use of the Site and/or Services available through this Site after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy. 

      

    Contact Information 

    Financial Learning Lab welcomes your questions or comments regarding this Statement of Privacy. If you believe that Financial Learning Lab has not adhered to this Statement, please contact Financial Learning Lab at: 

      

    Financial Learning Lab 

    117 East Main Street, Suite 201 

    Northville, Michigan 48167 

      

    Email Address: 

    info@financiallearninglab.org 

      

    Telephone number: 

    248-344-9771 

      

    Effective as of October 31, 2017 

    Other Terms


    This website and the Financial Learning Lab is operated and maintained by SMG Financial Advisors, LLC, a Michigan Registered Investment Advisor. 


    Brokerage services provided to clients by FOLIOfn Investments, Inc., an SEC registered broker-dealer and member FINRA/SIPC. 


    Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. 


    Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Before investing, consider your investment objectives and SMG Financial Advisors' charges and expenses. Past performance does not guarantee future results, and the likelihood of investment outcomes are hypothetical in nature.
    Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where SMG Financial Advisors is not registered.


    Partner logos and names are respective trademarks of each company.


    Learn more at www.smgfa.com.