OVERVIEW
Thank you for visiting one of the Websites (“Website” or "Websites") of The Independent Adviser Corporation Inc. ("We" or "Our"). Our Websites provide free investment research, educational resources and information material to individuals, families and businesses. When investment advice, financial planning, public accounting services, legal advice or college guidance is needed, we connect individuals with Fee-Only Professionals (individually referred to as a "Member" or "Professional" or collectively as "Members" or "Professionals") listed in the directory on 1800ADVISER.COM (the "Directory"). Connections to Fee-Only Professionals in our Directory should not be viewed as an endorsement or recommendation and individuals should perform their own diligence before engaging in any Professional. We are not a law firm, do not provide legal advice and are not a "lawyer referral service." We are not engaged in the practice of Certified Public Accountancy and we are not "accountant referral service. Our main office is located at 482 W. Main Street, Huntington, NY 11743. 

You ("You" or "you") or any person (both referred to as “User”) using information from our Websites agrees to be bound by this Terms of Use, Legal Notices and Disclaimers and our Privacy Policy. If you do not agree with any of the Terms of Use, Legal Notices and Disclaimers or our Privacy Policy, you should not access or use any of our Websites. 

WEBSITES
Our Websites include: AskMyAdviser.com, TheAdviser.com, The-Adviser.com, 1800ADVISER.COM, 401kPlanAdviser.com, The529Adviser.com, AskMyCounsel.com, College-Adviser.com, TheDivorce-Adviser.com, TheDivorce-Attorney.com, ElderLawAdviser.com, EstatePlanAdviser.com, IRSAdviser.com, Medicare-Adviser.com, RetirementPlanAdviser.com, SocialSecurity-Adviser.com, TheExecutor.com, TheTax-Adviser.com, FinancialPlanAdviser.com, FinancialAid-Adviser.com, TheAdviserMagazine.com, TheAdviserTimes.com, FeeOnlyNews.com, FeeOnlyMarketing.com, TheWebsiteAdviser.com, and TheAdviserAcademy.com. 

Our Websites also include all of our Social Media Profiles including those on: Facebook, LinkedIn, TikTok, Twitter also known as "X", Instagram, YouTube, Pinterest, and any of our RSS feeds. The operators of these Social Media websites may also have their own Terms of Use, Legal Notices and Disclaimers and Privacy Policy which you must agree and comply with.

DISCLAIMERS OF WARRANTIES
THE WEBSITES AND THE SERVICES PROVIDED BY THE INDEPENDENT ADVISER CORPORATION, NOR ANY OF OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, THIRD-PARTY VENDORS OR PROFESSIONALS LISTED IN OUR DIRECTORY AND/OR OTHER INDIVIDUALS LISTED IN THE DIRECTORY ("COVERED PARTIES") ARE PROVIDED “AS IS” WITH NO WARRANTY. WE EXPRESSLY DISCLAIM ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SITE AND SUCH SERVICES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE DO NOT WARRANT THAT THE WEBSITES OR, SERVICES PROVIDED BY THE COVERED PARTIES WILL BE FREE FROM BUGS, DEFECTS, OR ERRORS, OR ACCESSIBLE WITHOUT INTERRUPTION.

IF YOU USE A FEE-ONLY PROFESSIONAL IN OUR DIRECTORY, YOU DO SO AT YOUR OWN RISK. WE DO NOT WARRANT OR GUARANTEE THE WORK OF ANY PROFESSIONAL IN OUR DIRECTORY AND YOU ASSUME FULL RESPONSIBILITY FOR ANY INTERACTIONS YOU HAVE WITH THEM. WE ARE NOT LIABLE FOR ANY DECISION YOU MAKE OR ACTION YOU TAKE WHEN RELYING ON INFORMATION OBTAINED FROM A PROFESSIONAL OR OUR WEBSITES.  WE ARE NOT RESPONSIBLE FOR ANY DAMAGES (INCLUDING INCIDENTAL, CONSEQUENTIAL, AND PUNITIVE DAMAGES) RESULTING DIRECTLY OR INDIRECTLY FROM YOUR USE OF A PROFESSIONAL IN OUR DIRECTORY OR ON OUR WEBSITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

ALTHOUGH THE INFORMATION PROVIDED TO YOU ON OUR WEBSITES IS OBTAINED FROM SOURCES WE BELIEVE TO BE RELIABLE, WE DO NOT WARRANT THAT THE PROFESSIONALS LISTED IN OUR DIRECTORY ARE LICENSED OR CERTIFIED TO PRACTICE IN ANY JURISDICTION; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF OUR WEBSITES OR THEIR CONTENT OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH USE OF OUR WEBSITES.

YOU UNDERSTAND AND AGREE THAT ANY CONTENT AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ANY OF OUR WEBSITES ARE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH CONTENT AND/OR DATA.

INDEMNIFICATION AND LIMITATIONS OF LIABILITIES 
You agree to indemnify and hold us and all Covered Parties harmless. Neither us or any of the Covered Parties will be liable for any damages, including but not limited to any direct, indirect, incidental, special, reliance, or consequential damages of any kind whatsoever (including, without limitation, attorneys’ fees, lost profits, savings, or data), in any way due to, resulting from, or arising in connection with any of our Websites, including their content and your use thereof, regardless of any negligence or fault on our part or that of any Covered Parties and, whether or not we were apprised of the possibility of such damages. In no event will the aggregate liability of any of us or any of the Covered Parties related to your use of any of our Websites, User Generated Content, other content, or services will be greater than $500. 

You agree to indemnify and hold harmless both us and the Covered Parties from any losses, damages, claims, or liabilities of any nature, including reasonable attorneys’ fees, arising from your use of any of our Websites, User Generated Content, other content, services, or your breach of the terms hereof.  

Under no circumstances will we be liable to Users for any indirect, incidental, consequential, special, or exemplary damages arising from any use of our Websites or services.

YOU SHOULD NOT RELY ON THE INFORMATION CONTAINED ON OUR WEBSITES
Our Websites are for educational and informational purposes only. The information provided on our Websites is general in nature and does not apply to any particular, legal, medical, financial, insurance or other situation. As such, you should not rely on any information on our Websites and should seek advice as you determine to be appropriate. 

Neither any information nor any opinion expressed on the Websites, constitutes an offer, or an invitation to make an offer or solicitation, to buy or sell any securities or any options, futures or other derivatives. Our Websites, research reports or newsletters are prepared for general circulation and are circulated for general information only. They do not have regard to the specific investment objectives, financial situation and the particular needs of any specific person. Individuals and/or investors should seek experienced financial advice, including investment, tax, legal and accounting advice, regarding the appropriateness of investing in any securities or investment strategies discussed or recommended and should understand that statements regarding future prospects may not be realized. Individuals and/or investors should note that income from such securities, if any, may fluctuate and that each security’s price or value may rise or fall.  Investing in securities involves risks, including all of the principal amount investment. Accordingly, individuals and/or investors may receive back less than originally invested. Past performance is not necessarily a guide to future performance.

Although we try to provide accurate and complete information, we make no commitment or express or implied warrant that the factual, legal, medical, financial, or any other information contained on our Websites, or on any linked websites, is accurate, complete, error-free, or current. We assume no liability if it is not, and your use of our Websites is solely at your own risk. 

THIRD PARTY WEBSITES, SOCIAL MEDIA PROFILES AND USER GENERATED CONTENT
Our Websites, including User Generated Content, may contain links to third party websites including Social Media Profiles on those sites.  These links are provided only as a convenience to the recipient.  We do not control and are not responsible for any linked third-party websites and their policies and practices may not be consistent with our Terms of Use, Legal Notices & Disclaimers or our Privacy Policy. Further, we do not necessarily endorse any of these third-party websites and do not intend to imply any association between us and the party or parties involved unless specifically noted. If you click, access or use any third-party links, you do so at your own risk, and should check their terms of use and privacy policies before clicking, accessing or using them.

We may, from time-to-time, provide public areas of our Websites (including our Social Media Profiles) which are intended to facilitate open communication and discussion.  If you post, submit, share, disseminate, or respond to User Generated Content, however, you agree that:  

• your User Generated Content will not: (i) be defamatory, harassing, threatening, obscene, pornographic, or invasive of privacy, (ii) be illegal, encourage illegal activity, violate of the rights of others, or otherwise give rise to liability, (iii) be confidential or proprietary, or infringe any third-party intellectual property rights and, (iv) be copyright protected (unless you have full permission to publish it under the terms hereof from the copyright owner). 
• you are solely responsible for the User Generated Content and any failure to comply with the foregoing.
• we have the right (but assume no obligation) to monitor, delete, move, or edit any User Generated Content that we consider inappropriate or unacceptable for any reason.
• you grant to us, and to each user of our Websites, a global, nonexclusive, unlimited license to publish, reproduce, sell, display, perform, disclose, distribute, use, edit or modify the User Generated Content, and any ideas, concepts or techniques embodied in the User Generated Content, for any purpose whatsoever, and you waive any and all moral rights you may have in the foregoing.

INFORMATION ABOUT OUR 1800ADVISER.COM DIRECTORY 
We connect individuals with Fee-Only Professionals (also referred to as Members) listed in the Directory. We provide training to these Professionals and others at TheAdviserAcademy.com and by publishing educational materials on our Websites. Educational materials cover such topics as portfolio management, financial planning, income taxes, retirement planning, Medicare planning, Social Security analysis, IRA planning, 401(k) plans, mortgages, college planning, marketing and other similar and related topics. We also provide design, advertising, marketing and website services through FeeOnlyMarketing.com.  Advertising and marketing services include branding, public relations, lead generation, content creation, design, social media, print and other marketing services. Website services including website designs and hosting. We do not earn a fee or commission based on any service they provide. 

To be listed in the Directory, Members should:

• meet all legal requirements to practice or offer services in the location they provide services and, if applicable, are either a: Certified Financial Planner (CFP), Registered Investment Adviser (RIA), Certified Public Accountant (CPA), Enrolled Agent (EA), tax accountant, or practicing and state-licensed attorney. 
• comply with all required Fee-Only definitions, standards of business conduct, code of ethics and rules of any organization (such as NAPFA or the CFP Board) that they belong to or work at;
• will only offer Fee-Only services to individuals we connect them with (including not directly offering the sale of commissioned or proprietary products to them); and 
• are properly licensed or registered, as applicable, to offer Fee-Only services.

If anyone becomes aware of a Professional who should not be included in our Directory or does not meet the criteria to be listed in the Directory, you should immediately contact us. 

Our Directory may include Fee-Only Professionals including financial advisers, accountants, certified public accountants, attorneys, college guidance counselors and other individuals who are chosen or choose to be accepted for inclusion. Most of the Professionals in our Directory are members of respected organizations including:  National Association of Personal Financial Advisor (NAPFA), the Financial Planning Association (FPA), the American Institute of Certified Public Accountants (AICPA), the Alliance of Comprehensive Planners (ACP), the Garret Planning Network, the XY Financial Planning Network, the National Association of Tax Professionals (NATP), National Association of Enrolled Agents (NAEA), American Bar Association, National Elder law Foundation (NELF), National Academy of Elder Law Attorneys (NAELA), National Association of Estate Planners & Councils (NAEPC), American Academy of Matrimonial Lawyers (AAML), Association of Divorce Financial Planners (ADFP), Institute for Divorce Financial Analysts (IDFA), Registered Social Security Analysts (RSSA) or National Organization of Social Claimants' Representatives (NOSSCR).

You are encouraged to personally interview, obtain references and reach an independent decision about your choice of Professional. Selection of a participating Professional to represent or advise you in any matter is your sole responsibility. Our Directory is provided for informational purposes only and is not an endorsement, recommendation, or guarantee of any service, product, or Professional. The selection of a Professional listed in the Directory and the transaction of business with such person is your sole responsibility and should be undertaken only after thorough investigation and analysis. We may receive an advertising, marketing, website or other fee for each person listed in the Directory. No fees are received whether or not a client uses a particular Professional.

When you use a Professional listed in our Directory, you do so at your own risk. Professionals in our Directory conduct their own practices, are independent of us, and they are not representatives, agents, partners, employees, or independent contractors. Any information or financial advice provided by Professional is the sole responsibility of the Professional. We do not guarantee or warrant the accuracy, quality, completeness or validity of any information provided by any Professional. We expressly disclaim any and all warranties of any kind, whether express or implied. By submitting any information to our Websites, contacting a Professional or authorizing a Professional to contact you, you acknowledge that you have read any additional disclaimers appearing on or accessed from a Professional’s listing and these Terms of Use, Legal Notices and Disclosures and Privacy Policy and agrees to be bound by the terms. User also agrees not to hold us or any agents, affiliates or successors, liable for any and all claims for damages resulting from a Professional's advice or any representation of any user or from use of our Websites or information provided by or related to a Professional. The information contained on our Websites are not an endorsement or recommendation of any Professional. We do not provide legal advice or guarantee the suitability of any Professional. Our Websites may be considered an advertisement and should not be interpreted as a recommendation of, or referral to a specific Professional. Selection of a Professional to represent User in any legal matter is the sole responsibility of User. Our Websites are not operated by an organization, agency, or governmental body that certifies the specialty of or tests the competency of the Professional or is authorized by any jurisdiction to do so. No information contained on our Websites shall be construed as a participant holding himself or herself out as a specialist or expert unless specifically claimed in a participant’s listing in a manner consistent with state regulations.

We do provide links to third party websites that provides information about Professionals in our Directory. These websites include:

• the Financial Industry Regulation Authority's (FINRA) BrokerCheck website (for Professionals who are subject to the FINRA's oversight).,
• the Securities and Exchange Commision's (SEC) Investment Adviser Public Disclosure website (for Professionals who are subject to the SEC's oversight),
• the Office of the Comptroller of the Current's (OCC) Enforcement Actions website (for those individuals who are subject to OCC oversight),
• the websites for the North American Securities Administrators Association, which provides contact information for state securities regulators, 
• state bar association websites, and 
• CPA state associations. 

We do not believe that profiles of Professionals made available through or Directory or any of the Websites may be considered to be an endorsement of such advisors as the term “endorsement” is defined in Rule 206(4)-1 of the Investment Advisers Act of 1940 (the “Marketing Rule”). The Independent Adviser Corporation is not a current client of any Professional appearing in the Directory. Further, the existence and content of a Professional profile is not based on the actual experience of us or any client with such Professional and is solely based on a Professional's eligibility to be listed in the Directory.  Some Professionals appearing in the Directory may pay a fee to us or third parties which is in consideration of a variety of services and benefits provided by us or that third party to Professionals – including the ability to be listed in the Directory. Because of this payment, we do have a conflict of interest and a financial incentive to include Professionals in the Directory from whom we or third parties have received compensation. 

FINANCIAL ADVISERS AND REGISTERED INVESTMENT ADVISERS
The Independent Adviser Corporation does not perform investment banking or other services, for or solicit investment banking from any entities mentioned on our Websites. The Independent Adviser Corporation, its affiliates, directors, officers, employees and employee benefit programs may have a long or short position in any securities of an issuer or in related investments.

PUBLIC ACCOUNTUNG AND TAX ADVICE
Our Websites provide free investment research, educational resources and information material to individuals, families and businesses. When financial, public accounting or legal advice is needed, we connect individuals with Fee-Only Professionals listed in our Directory. We are not a law firm, do not provide legal advice and are not a "lawyer referral service." We are not engaged in the practice of Certified Public Accountancy or are we an "accountant referral service." We are not a licensed CPA firm in the State of New York or in any other state. 

None of the information posted on this site constitutes tax advice. To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. federal tax advice contained in any communication from Us or our Websites (including any free consultations) is and was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing, or recommending to another party any matters addressed therein.

You should consult with your tax adviser before making any taxable related investment decisions. Certain services such as legal advice or certified public accounting services are provided through third-party firms. We do employ or contract with individual Certified Public Accountants to provide services which are not within the definition of Certified Public Accountancy.  We also may employ, contract or may contract with individual practice members of the Financial Planning Association, National Association of Financial Planners and the AICPA. 

ATTORNEYS, LAW FIRMS AND ATTORNEY ADVERTISING
We operate Websites, provide free investment research, educational resources and information material to individuals, families and businesses. When financial or legal advice is needed, we connect individuals with Fee-Only Professionals listed in the Directory. We are not a law firm, do not provide legal advice and are not a "lawyer referral service." When legal advice is needed, we connect individuals with attorneys listed in our Directory. Attorneys who are listed in the Directory may have paid us an advertising or marketing fee. We do not share in any legal fees or earn money from any legal advice they provide to clients who engage them. 

The following is important information:

LEGAL INFORMATION IS NOT A SUBSTITUTE FOR LEGAL ADVICE: Our Websites are a platform for self-help and include general information on commonly encountered legal issues. At no time do we draw legal conclusions, provide legal advice, opinions or recommendations about your legal rights, remedies, defenses, legal options, legal strategies, or apply the law to the facts of your particular situation. We are not a law firm and may not perform services performed by an attorney. Neither we or our Websites are substitutes for the advice or services of a qualified attorney licensed to practice in an appropriate jurisdiction. If you need legal advice for a specific problem, you should speak with a licensed attorney including those listed in the Directory.

WE ARE NOT A LAWYER REFERRAL SERVICE: The Directory is provided to the public free of charge. Attorneys who are listed may pay us a marketing fee. We do not endorse or recommend any attorney, nor do we make any warranty as to the qualifications or competency of an attorney. 

NO CLIENT-LAWYER RELATIONSHIP IS FORMED: No client-lawyer relationship between you and us is or may be created by your access to or use of any of our Websites or any information contained on them.  When you contact us, your initial contact may not be with a licensed attorney and does not constitute legal advice or create an attorney-client relationship. Once we gather certain information from you, we will communicate such information to an attorney in our Directory. Such transmission is not intended to create nor constitute an attorney-client relationship. Additionally, you understand and agree that any information you provide to us in any way and which we communicate to third party attorneys is not subject to attorney-client privilege. The only way to become a client of an attorney is through a mutual agreement between you and a third-party attorney.  

INFORMATION ON OUR WEBSITES MAY NOT BE APPLICABLE TO YOU AND MAY NOT BE CURRRENT OR COMPLETE: We strive to keep our Websites accurate; however, because the law, business climate and economy changes rapidly, we cannot guarantee that all of the information on our Websites is current. The law is different from jurisdiction to jurisdiction and may be subject to interpretation by different courts. The law is a personal matter, and general information like we provide cannot fit every circumstance. Nor is our information guaranteed to be correct, complete or up to date. Therefore, if you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our educational material and resources, you should consult a licensed attorney. 

USE OF THE TERM EXPERIENCE: The term "experience" or "experienced," as used on any of our Webs Sites for the purposes of describing third party attorneys listed in the Directory means that the attorney: (a) possesses a minimum of two years' experience practicing law, (b) maintains errors and omissions insurance policies, (c) is in good standing with the state bar in each jurisdiction in which the attorney is licensed to practice, (d) has no known pending malpractice lawsuit, as of the date they were listed in the Directory, and (e) has no public record of discipline by a state bar within the last five years. The term "experience" or "experienced" is not intended to be a comparison to any other attorney's services or qualifications.

USE OF THE TERM CONTIGENT: The term "contingent" or "contingent fees" as used on any of our Webs Sites for the purposes of describing potential fees charged by attorneys listed n the Directory, refers only to those fees charged by attorneys for their legal services. Such fees are not permitted in all types of cases.  Court costs and other additional expenses of legal action usually may need to be paid by the client.  The percentage fee will be computed before or after expenses are deducted from the recovery in accordance with state laws and as agreed with the specific attorney you hire. 

ATTORNEY ADVERTISING RULES: The hiring of a lawyer is an important decision that should not be based solely upon advertisements.  No representation is made that the quality of the legal services to be performed by any attorney listed in our Directory is greater than the quality of legal services performed by other lawyers. Prior results in cases by attorneys in our Directory do not guarantee a similar outcome of any matter or legal proceeding.  

ETHICAL REQUIREMENTS: To the extent it applies, it is our intention and the intention of third-party attorneys in our Directory to fully comply with all legal and ethical requirements including those related to the Internet, advertising and marketing. To the extent that any jurisdiction requires us to designate a principal office responsible for our Websites, we designate our office located at 482 W. Main Street, Huntington NY 11743(USA). 

STATE SPECIFIC ATTORNEY RULES: Every state has rules of conduct for attorneys that govern lawyer advertising, and which may apply to the attorney listing you are viewing. To the extent it applies, you may find a summary or excerpt of the text of these rules in the sources indicated below. In addition, to the extent it applies, if a state requires specific language to accompany an attorney’s advertisement, that language may also be provided below:

Alabama -No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Alabama Rules of Professional Conduct, Rule 7.2(e)See Alabama Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Alaska -The Alaska Bar Association does not accredit or endorse certifying organizations. Alaska Rules of Professional Conduct, Rule 7.4(a)(2) See Alaska Rules of Professional Conduct, Rules 7.1, 7.2 Arizona - See Arizona Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Arkansas - See Arkansas Model Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 California - See California Rules of Professional Conduct, Rule 1-400 Colorado - Colorado does not certify attorneys as specialists in any field. Colorado Rules of Professional Conduct, Rule 7.4See Colorado Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Connecticut - See Connecticut Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.4A Delaware- See Delaware Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 District of Columbia - See D.C. Rules of Professional Conduct, Rule 7.1 Florida - The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask the lawyer to send you free written information about his or her qualifications and experience. Florida Rules of Professional Conduct, Rule 4-7.3(b)See Florida Rules of Professional Conduct, Rule 4-7 Georgia - See Georgia Code of Professional Responsibility, DRs 2-101, 2-105 Hawaii - There is no procedure for review or approval of specialist certification organizations in Hawaii. Hawaii Rules of Professional Conduct, Rule 7.4(c)See Hawaii Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Idaho - See Idaho Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.5 Illinois - The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law. Any certificate, award or recognition by an agency, governmental or private, or by any group, organization or association used by an Illinois attorney to describe his or her qualifications as a lawyer or in any subspecialty of law is not a requirement to practice law in Illinois. Illinois Rules of Professional Conduct, Rule 7.4(c)See Illinois Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Indiana - See Indiana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Iowa-The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice does not mean that a lawyer is a specialist or expert in a field of law, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer. A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer. All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa - See Iowa Code of Professional Responsibility for Lawyers, DRs 2-101, 2-105 Kansas - See Kansas Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Kentucky - See Kentucky Rules of Professional Conduct, Rules SCR 3.130 (7.01), SCR 3.130 (7.02), SCR 3.130(7.10), SCR 3.130(7.20), SCR 3.130(7.40) Louisiana - See Louisiana Rules of Professional Conduct, Rules 7.1, 7.4 Maine - See Maine Code of Professional Responsibility, Rules 3.8, 3.9 Maryland - See Maryland Lawyer’s Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Massachusetts - If an attorney holds himself out as certified in a particular area of law, the certifying organization is a private organization whose standards for certification are not regulated by the Commonwealth of Massachusetts. Massachusetts Rules of Professional Conduct, Rule 7.4(b)See Massachusetts Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Michigan - See Michigan Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Minnesota - See Minnesota Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Mississippi - FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST. Mississippi Rules of Professional Conduct, Rule 7.4(a)See Mississippi Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.6 Missouri - Neither the Supreme Court of Missouri nor The Missouri Bar reviews or approves certifying organizations or specialist designations. Missouri Rules of Professional Conduct, Rule 7.4See Missouri Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Montana - See Montana Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Nebraska - See Nebraska Code of Professional Responsibility, DR 2-101 Nevada - The State Bar of Nevada does not certify any lawyer as a specialist or expert. Nevada Rules of Professional Conduct, Rule 196(4) Neither the State Bar of Nevada nor any agency of the State Bar has certified any lawyer identified here as a specialist or as an expert. Anyone considering a lawyer should independently investigate the lawyer’s credentials and ability. Nevada Rules of Professional Conduct, Rule 198(3)(b)See Nevada Rules of Professional Conduct, Rules 195, 196, 196.5, 198 New Hampshire - See New Hampshire Rules of Professional Conduct, Rules 7.1, 7.2, New Jersey - See New Jersey Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 New Mexico - Certification of a lawyer in a particular area of law by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization unless the lawyer is also recognized by the Board as a specialist in that area of law. New Mexico Rules of Professional Conduct, Rule 16-704(D)See New Mexico Rules of Professional Conduct, Rules 16-701, 16-702, 16-704 New York - See New York Code of Professional Responsibility, DRs 2-101, 2-105 North Carolina - See North Carolina Rules of Professional Conduct, Rules 7.1, 7.2, North Dakota - See North Dakota Rules of Professional Conduct, Rule 7.1 Ohio - See Ohio Code of Professional Responsibility, DRs 2-101, 2-105 Oklahoma - See Oklahoma Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Oregon - See Oregon Code of Professional Responsibility, DR 2-101, Pennsylvania - See Pennsylvania Disciplinary Rules of Professional Conduct, Rules 7.1, 7.2, 7.4, 7.6 Rhode Island - The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice. Rhode Island Rules of Professional Conduct, Rule 7.4See Rhode Island Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 South Carolina - See South Carolina Rules of Conduct, Rules 7.1, 7.2, 7.4 South Dakota - See South Dakota Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Tennessee - See Tennessee Code of Professional Responsibility, DRs 2-101, 2-105 Texas - See Texas Disciplinary Rules of Professional Conduct, Rule 7.01 Utah - See Utah Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Vermont - See Vermont Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Virginia - See Virginia Code of Professional Responsibility, DRs 2-101, 2-104 Washington - The Supreme Court of Washington does not recognize the certification of specialties in the practice of law. Any certificate, award or recognition by a group, organization or association used by a Washington attorney to describe his or her qualifications as a lawyer or in any subspecialty of law is not a requirement to practice law in the state of Washington. Washington Rules of Professional Conduct, Rule 7.4See Washington Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 West Virginia -See West Virginia Rules of Professional Conduct, Rules 7.1, 7.2, 7.4 Wisconsin - See Wisconsin Rules of Professional Conduct for Attorneys, Rules SCR 20:7.1, 20:7.2, 20:7.4 Wyoming - The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer’s credentials and ability, and not rely upon advertisements or self-proclaimed expertise. Wyoming Rules of Professional Conduct for Attorneys at Law, Rule 7.2(g)See Wyoming Rules of Professional Conduct for Attorneys at Law, Rule 7.2.

OWNERSIHP, LICENSE & LIMITATIONS ON USE
Our Websites and 1800ADVISER are trademarks and services marks of The Independent Adviser Corporation. 

We retain all ownership on our Websites and all content displayed on the Websites. The contents of our Websites are protected by applicable copyright laws. Users of our Websites are granted a nonexclusive, revocable right to use our Websites provided that they do not (i) copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code or (ii) modify or attempt to modify the Websites in any manner or form. In no case, is permission granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos without written permission. 

Links to our Websites are also permitted with notification to us. We reserve the right to revoke any permission to link. If you have been granted the right to display our Websites logo or link(s) on your website via a separate agreement, we hereby grant to you a nonexclusive, royalty-free, nontransferable, non-sublicensable right to display our logo or link to our Websites solely in connection with the terms and conditions hereunder. You agree not to alter of modify the logos or links in any manner that is disparaging or otherwise damages our goodwill. Your breach of any of the foregoing obligations may result in immediate termination of any agreement you have with us. Upon termination or cancellation of your agreement, you will promptly remove any links from your website.

In addition, you may only use our Websites if you agree not to take any action that might (i) interfere with their proper working, (ii) impose an unreasonable or disproportionately large load on their infrastructure, (iii) compromise the their security, (iv) render them or their features inaccessible to others, (v) cause other damage to the websites or any content, or (vi)  launch any automated system, including without limitation, any “robot,” “spider,” or “offline reader” that sends more requests to their server(s) in a given period of time than a human can reasonably generate using a conventional web browser.  

Use, duplication, or disclosure by or for the United States Government of information on our Websites are subject to the restrictions set forth in DFARS 252.227-7013(c)(1)(ii) and FAR 52.227-19. 

Click Here to Read Information about our trademarks, service marks, copyrights and the Digital Millennium Copyright Act.

OUR COMMITTMENT TO WEB ACCESSIBILITY
We strive to follow the Web Content Accessibility Guidelines (WCAG) version 2.1 as our guiding principle for determining accessibility. These are internationally agreed-upon standards that cover a wide range of recommendations and best practices for making content useable. 

As we add new pages and functionality to our website, all designs, code, and content entry practices are checked against these standards. Website accessibility is an ongoing process. We continually test content and features and remediate any issues to ensure we meet or exceed the standards. Testing of our website is performed by our team members using industry-standard tools.

We welcome comments, questions, and feedback on our Websites. If you ae having difficulty using our website, please contact us using our question form.