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This Site including any related communication is for informational purposes only and is not intended to provide specific financial, investment, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. You should seek guidance from your current advisor as your advisor can help to ensure that all your own circumstances have been properly considered and any action is taken on the latest available information. We do not guarantee the accuracy or completeness of information on the Site and do not assume any liability for any loss that may result from reliance by any person upon any such information or recommendation as they are for general information only. The Optimize Inc. website may contain facts, views, opinions, statements and recommendations of third-party individuals and organizations. We do not represent or endorse the accuracy, correctness, or reliability of any advice, opinion, statement, recommendations, or other information displayed, uploaded, or distributed through the site or the services. With respect to any information concerning the performance of any mutual funds, exchange traded funds, or other investments, we caution you that future performance may be lower or higher than our expectations, and that current or future performance may be lower or higher than the historical performance and historical performance is not a guarantee of future results. Price, value, yield and return will vary and you may have a gain or loss when you sell. Exchange traded funds (“ETFS”) are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility, so that an individual’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. The Site users should be cautious about any and all such recommendations and should consider the source of information and various factors prior to making any decisions. Such factors include, without limitation, their own personal financial and investing situation, knowledge, comfort level, risk tolerance, objectives, and time horizons. All users are advised to conduct their own independent research into any such recommendations and consult with their current advisors before making an investment decision. Finally, the users are advised that past ETF, mutual fund or investment performance is no guarantee of future price appreciation or performance. Price, value, yield and return will vary and you may have a gain or loss when you sell. We do not and cannot guarantee the future performance of your portfolio or the success of any investment decision or strategy that we may use or suggest. We make no promises that the investments we recommend to you will be profitable. The investments we may recommend are subject to various markets, currency, economic, political and business risks. Investing involves a high level of risk and the securities in which you invest may be volatile and may depreciate rapidly. Principals and affiliates of Optimize Inc. as well as other users of the Optimize Inc. Community, Blog, or Questions Sections may have already established positions in the investment ideas described in their posts and may own, sell or buy any such security at any time. Any information posted in the Optimize Inc. Community, Blog, or Questions Sections is solely the opinion of the posting member and does not represent the opinion of Optimize Inc. Optimize Inc. does not and cannot guarantee the completeness, accuracy or timeliness of the educational, news and financial market information that Optimize Inc. obtains from others and makes available to you. We may provide access to news and content provided by third parties over which we do not exercise editorial control or review and we are not responsible for the content of such materials. You hereby agree that Optimize Inc. will not be liable for any action you take or decision you make in reliance on the information provided. The provision of fund performance data does not constitute an offer to purchase shares in the funds referred to, nor shall it be deemed a recommendation to buy or sell mutual funds. Optimize Inc. uses reasonable care, consistent with industry practice; in providing the Site, but we do not guarantee that the Site or any content will be delivered to you uninterrupted, timely, secure or error-free. This site and all of the content is provided on an “as is” and “as available” basis, without any warranty, either express or implied, including without limitation, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or title. We do not warrant as to the results of your use of the site content or as to its operation, usefulness, completeness, or correctness of the site. We do not warrant or represent that access to this site will be uninterrupted, or that there will be no delays, defects, incompatibility, difficulties in use, failures, errors, or loss of transmitted information. We do not warrant that the site is free of viruses, trojans or other contaminating or harmful components or that no damage will occur to your computer system. Optimize Inc. including its providers and affiliates, its respective officers, directors, advisors, employees, shareholders, agents, independent contractors or licensors provide no guarantee as to the accuracy, adequacy, timelines, reliability, completeness, or usefulness of any of the content of the site and disclaim liability for errors, omissions, possible technical inaccuracies or typographical errors. In addition, Optimize Inc. does not take any obligation or responsibility to update or amend any outdated information. We use reasonable efforts to update the financial information that is available on our site each day. However, there may be cases where due to technical or other reasons we are unable to do so. Each user is advised to check the appropriate section of the site that indicates the date that the information was last updated on this site. You acknowledge that we will not be liable to you for any loss, damage, expense, liability, charge or claim of any kind whatsoever (collectively, “Losses”) relating to your use of the Optimize Inc. Site or caused by our advice, decisions or actions, except to the extent that such Losses are actual losses and the direct result of an act, which constitutes willful misconduct with respect to our obligations under the Terms of Use Agreement. You further acknowledge that we will not be liable to you for any Losses caused by any other person who provides services for your portfolio, or directly or indirectly by circumstances beyond our reasonable control.

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