1. Introduction

Welcome to SMITZ Private Wealth Advisors. By accessing or using this website, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other legal notices or agreements that may be displayed on the website from time to time. If you do not agree with any part of these Terms, please refrain from using SMITZ Private Wealth Advisors or its services.

2. About SMITZ Private Wealth Advisors

SMITZ Private Wealth Advisors is an independent financial advisory firm dedicated to providing guidance on investment management, retirement planning, tax strategy, estate planning, and insurance consulting. Information provided on this website is for general informational and educational purposes only and should not be construed as financial, legal, or tax advice specific to your situation.

3. Use of the Website

You agree to use the SMITZ Private Wealth Advisors website only for lawful purposes and in a manner that does not infringe on the rights of others or restrict their use of the website. You must not attempt to gain unauthorized access to any part of this site or to any servers or systems associated with it.

4. No Financial Advice

The information presented on SMITZ Private Wealth Advisors’s website does not constitute financial, investment, or tax advice. All financial decisions should be made after consulting with a qualified financial advisor who understands your individual circumstances. Past performance does not guarantee future results, and all investing involves risk, including possible loss of principal.

5. Client Relationships

Viewing information on this website or communicating with SMITZ Private Wealth Advisors via email or online forms does not create a client–advisor relationship. A formal engagement letter or advisory agreement must be executed before any advisory relationship is established.

6. Intellectual Property Rights

All content, graphics, text, images, and other materials available on this website are the property of SMITZ Private Wealth Advisors or its content providers and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or republish any material from this website without written consent.

7. Third-Party Links

SMITZ Private Wealth Advisors may include links to third-party websites for convenience or informational purposes. We do not control or endorse the content of these external sites and are not responsible for their accuracy, security, or privacy practices. Accessing third-party websites is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by law, SMITZ Private Wealth Advisors, its affiliates, directors, employees, or agents will not be liable for any damages, losses, or liabilities arising from your use of or reliance on the information contained on this website. This includes but is not limited to direct, indirect, incidental, consequential, or punitive damages.

9. Indemnification

You agree to indemnify and hold harmless SMITZ Private Wealth Advisors, its officers, employees, and affiliates from and against any claims, damages, liabilities, costs, or expenses (including reasonable attorney fees) arising out of your use of this website or any violation of these Terms.

10. Privacy

Your use of SMITZ Private Wealth Advisors is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using this website, you consent to the data practices described in our Privacy Policy.

11. No Guarantee of Results

All examples, case studies, or performance illustrations provided on SMITZ Private Wealth Advisors are for educational purposes only and should not be interpreted as a guarantee of future results. Market conditions, personal circumstances, and investment performance can vary significantly.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which SMITZ Private Wealth Advisors operates, without regard to conflict of law principles. Any disputes arising out of or relating to these Terms shall be resolved exclusively in the competent courts of that jurisdiction.

13. Changes to These Terms

SMITZ Private Wealth Advisors reserves the right to modify, update, or replace these Terms at any time without prior notice. Changes will become effective immediately upon posting. Continued use of this website after updates are made signifies your acceptance of the revised Terms.

14. Contact Us

If you have any questions regarding these Terms and Conditions, please contact our office by phone or email using the contact details provided on the Contact Us page.