**Last Updated:** September 14, 2025

## ⚠️ IMPORTANT NOTICE

**THE INFORMATION PROVIDED ON THE SMART INVESTOR IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL ADVICE.**

**WE ARE NOT REGISTERED FINANCIAL ADVISORS, INVESTMENT ADVISORS, BROKER-DEALERS, OR FINANCIAL PLANNERS. WE DO NOT PROVIDE PERSONALIZED INVESTMENT ADVICE OR RECOMMEND SPECIFIC INVESTMENT STRATEGIES TAILORED TO YOUR INDIVIDUAL CIRCUMSTANCES.**

## 1. No Professional Advisory Relationship

Mann Media LLC, doing business as The Smart Investor, is not a registered investment advisor, broker-dealer, financial planner, or financial institution. We are an educational platform that provides:

– General financial education content
– Comparative analysis of financial products
– Educational tools and calculators
– AI-powered informational responses
– Product recommendations based on general criteria
– Links to third-party financial services

**Using our Services does not create:**
– A fiduciary relationship
– A client-advisor relationship
– A professional services relationship
– Any duty of care beyond those outlined in our Terms of Service

## 2. Educational Purpose Only

All content on The Smart Investor, including but not limited to:
– Articles and blog posts
– Product reviews and comparisons
– AI-generated responses
– Widget recommendations
– Calculators and tools
– Email communications
– Dashboard recommendations

**Is provided solely for:**
– Educational purposes
– Informational purposes
– General guidance
– Comparative analysis

**And should NOT be construed as:**
– Personal financial advice
– Investment recommendations specific to you
– Tax advice
– Legal advice
– Accounting advice
– Professional consultation

## 3. Consult Qualified Professionals

**BEFORE MAKING ANY FINANCIAL DECISION, YOU SHOULD:**

1. **Consult with qualified professionals**, including but not limited to:
– Certified Financial Planners (CFP)
– Registered Investment Advisors (RIA)
– Certified Public Accountants (CPA)
– Tax advisors
– Estate planning attorneys
– Insurance agents

2. **Consider your individual circumstances**, including:
– Financial goals and objectives
– Risk tolerance
– Investment timeline
– Current financial situation
– Tax implications
– Family circumstances
– Other personal factors

3. **Conduct your own research** beyond our educational content

4. **Read all terms and conditions** of any financial product before applying

## 4. No Guarantee of Results

### Investment Risks
– **Past performance does not guarantee future results**
– **All investments carry risk**, including potential loss of principal
– **Returns are never guaranteed**, regardless of historical performance
– **Market conditions change** and can affect investment outcomes

### Product Suitability
– **Products featured may not be suitable for your circumstances**
– **Eligibility requirements vary** by individual and state
– **Terms and rates change** frequently
– **Approval is not guaranteed** for any financial product

### Accuracy Limitations
– **Information may become outdated** quickly in financial markets
– **Rates and terms shown** are subject to change without notice
– **Product availability varies** by state and individual qualifications
– **We update content at least annually**, but changes may occur more frequently

## 5. AI-Generated Content Disclaimer

Our AI-powered features:
– May contain errors or inaccuracies
– Are based on general information, not your specific situation
– Should not be relied upon as professional advice
– May experience “hallucinations” (false information)
– Require verification from authoritative sources

**Users with similar profiles** may have found certain products valuable, but this does not mean those products are suitable for you.

## 6. Third-Party Products and Services

### We Are Not the Provider
The Smart Investor does not:
– Issue credit cards or loans
– Provide banking services
– Offer investment products
– Sell insurance policies
– Process financial transactions

We merely provide information about and links to third-party providers.

### Third-Party Relationships
– We may earn affiliate commissions (see Affiliate Disclosure)
– Affiliate relationships may influence product placement
– We are not responsible for third-party products or services
– Third-party terms and conditions apply

### Due Diligence Required
Before using any third-party financial service:
– Research the provider independently
– Verify licensing and registration
– Read all terms and conditions
– Understand all fees and charges
– Check customer reviews and complaints
– Verify FDIC/SIPC insurance where applicable

## 7. Specific Product Disclaimers

### Banking Products
– **FDIC Insurance**: Verify coverage limits and requirements
– **APY Rates**: Subject to change at any time
– **Fees**: May apply despite our best efforts to report accurately
– **Minimum Balances**: Requirements may change

### Credit Cards
– **APR**: Rates vary based on creditworthiness
– **Approval**: Based on individual credit profile
– **Rewards**: Programs may change or end
– **Fees**: Annual fees, foreign transaction fees, and others may apply

### Investment Products
– **Market Risk**: All investments can lose value
– **No FDIC Insurance**: Investment products are not bank deposits
– **Complexity**: Some products require sophisticated knowledge
– **Regulatory**: Subject to SEC and FINRA regulations

### Loans and Mortgages
– **Interest Rates**: Based on creditworthiness and market conditions
– **Approval**: Subject to underwriting
– **Terms**: Vary significantly by lender
– **Prepayment**: Penalties may apply

### Insurance Products
– **Coverage**: Varies by policy and provider
– **Exclusions**: All policies have exclusions
– **Premiums**: Based on individual factors
– **Claims**: Subject to policy terms and conditions

## 8. Market Commentary and Analysis

Any market commentary, analysis, or opinions expressed:
– Reflect views at a specific point in time
– Are subject to change without notice
– Should not be considered investment advice
– May not be suitable for all investors
– Are not predictive of future results

## 9. Hypothetical or Simulated Performance

Some content may include:
– Hypothetical scenarios
– Simulated performance results
– Projected returns
– Calculator estimates

**These have inherent limitations:**
– Don't reflect actual trading or investment results
– May not account for all fees and expenses
– Are based on assumptions that may not occur
– Cannot predict future performance

## 10. Errors and Omissions

Despite our best efforts:
– **Errors may occur** in our content
– **Information may be incomplete**
– **Updates may be delayed**
– **Technical glitches** may affect calculations

We recommend:
– Verifying all information independently
– Checking directly with financial providers
– Not relying solely on our content for decisions

## 11. No Warranty or Liability

THE SMART INVESTOR PROVIDES ALL INFORMATION “AS IS” WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

– Accuracy or completeness of information
– Fitness for a particular purpose
– Non-infringement
– Merchantability
– Results obtained from use of our Services

## 12. Limitation of Liability

IN NO EVENT SHALL MANN MEDIA LLC, THE SMART INVESTOR, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

– Any financial losses or gains
– Investment decisions or outcomes
– Missed opportunities
– Errors or omissions in content
– Decisions based on our educational content
– Third-party product performance
– Changes in financial circumstances

Our total liability is limited as outlined in our Terms of Service.

## 13. Indemnification

You agree to indemnify and hold harmless Mann Media LLC and The Smart Investor from any claims, losses, or damages resulting from:
– Your financial decisions
– Your use of third-party services
– Your reliance on our educational content
– Your failure to seek professional advice

## 14. International Users

Our content is primarily intended for U.S. residents. If you're accessing from outside the United States:
– Information may not apply to your jurisdiction
– Products discussed may not be available
– Regulations and tax implications differ
– Seek local professional advice

## 15. Updates and Changes

Financial information changes rapidly. We strive to update content at least annually, but:
– Changes may occur more frequently
– We cannot guarantee real-time updates
– You should verify current information
– Check “Last Updated” dates on content

## 16. Conflict of Interest Disclosure

Be aware that:
– We earn affiliate commissions from some products
– This may create inherent conflicts of interest
– We strive for objectivity but cannot eliminate all bias
– See our Affiliate Disclosure for details

## 17. Regulatory Compliance

The Smart Investor operates in compliance with:
– Federal Trade Commission (FTC) guidelines
– State consumer protection laws
– Advertising standards
– But we are NOT regulated as a financial services provider

## 18. Your Responsibility

**YOU ARE SOLELY RESPONSIBLE FOR:**
– Your financial decisions
– Verifying information accuracy
– Understanding products before purchasing
– Seeking appropriate professional advice
– Assessing your own financial situation
– Understanding risks involved
– Reading all terms and conditions

## 19. Contact Information

For questions about this Financial Disclaimer:

**Mann Media LLC**
d/b/a The Smart Investor
30 N Gould St, Ste R
Sheridan, WY 82801
Email: baruch.s@infoforinvestors.com

## 20. Acknowledgment

**BY USING THE SMART INVESTOR, YOU ACKNOWLEDGE THAT:**

1. You understand this is educational content only
2. You will not rely solely on our content for financial decisions
3. You will seek professional advice when appropriate
4. You understand all investments carry risk
5. You accept full responsibility for your financial decisions
6. You have read and understood this disclaimer

## Final Important Notice

**PLEASE REMEMBER:**
– **We are educators, not advisors**
– **Every financial situation is unique**
– **There is no one-size-fits-all solution**
– **Professional advice is invaluable**
– **Take time to make informed decisions**
– **Never invest more than you can afford to lose**
– **If something seems too good to be true, it probably is**

Your financial well-being is important. Make decisions carefully, seek professional guidance, and never rush into financial commitments based solely on online content.

—

**© 2025 Mann Media LLC. All rights reserved.**

**This disclaimer is effective as of the date listed above and supersedes all previous versions.**