Real Return Reporter™
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Disclosures & Acknowledgement

1. Acceptance of Terms By accessing and using the Real Return Report™ (“RRR”), you agree to abide by these Terms and Conditions. If you do not agree with any part of these terms, you are not permitted to use the RRR.
2. License and Ownership The RRR is the proprietary property of SMART Publishing and is protected by intellectual property laws. SMART Publishing grants you a non-exclusive, non-transferable license to use the RRR for personal or business purposes in accordance with these Terms and Conditions. Your license may not be shared by multiple advisors; it is exclusively for your single use only.
3. Accuracy and Limitations The RRR provides an estimate of the real rate of return based on the inputs provided. While every effort is made to ensure accuracy, SMART Publishing does not guarantee the accuracy or completeness of the results. Users are encouraged to verify the results independently and seek professional financial advice. The data sources are provided so you can perform your own process of verification.
4. User Responsibilities Users are solely responsible for the accuracy and completeness of the data entered into the RRR. SMART Publishing is not responsible for any errors or discrepancies in the input data or the results obtained. All Users and those presented the output from the Real rate Reporter acknowledge that past performance is not indicative of future results.
5. Privacy SMART Publishing may collect and store information entered into the RRR for the purpose of improving the service and for analytical purposes. Personal and contact information will be shared by SMART with sponsor insurance carriers for the purpose of recruiting you to sell their product. You are not obligated to sell their product but SMART retains the right under section 7 of Terms & Conditions to terminate your access without notice at any time for any reason.
6. Modifications and Updates SMART Publishing reserves the right to modify or update the RRR, including these Terms and Conditions, at any time without prior notice. Users are responsible for reviewing the Terms and Conditions regularly.
7. Termination of Access SMART Publishing reserves the right to terminate or restrict access to the RRR at its discretion, without prior notice, for any violation of these Terms and Conditions or for any other reason.
8. Limitation of Liability To the extent permitted by law, SMART Publishing shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of the RRR or these Terms and Conditions.
9. Governing Law These Terms and Conditions shall be governed by and construed in accordance with the laws of West Virginia. Any disputes arising out of or in connection with these terms shall be resolved through arbitration in accordance with the rules of the AAA Arbitration, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
10. Contact Information For questions or concerns regarding these Terms and Conditions, please contact SMART Publishing at 1-800-499-0797 or by email to support@smartadvisornetwork.com. By using the RRR, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.