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Terms of Use

By submitting your contact information, you consent to be contacted in the future regarding retirement income strategies that utilize insurance and investment products.

All information available through this website is the property of Hobart Financial Group or its information providers and is protected by copyright and intellectual property laws. All rights reserved.

You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used to create, promote, trade or market financial instruments or products without the express written consent of Hobart Financial Group or its licensors. You are entitled to use the information within the site for your private, non-commercial use only.

Hobart Financial Group operates this website to provide information, related features and services. The terms and conditions set forth herein constitute a legally binding agreement between Hobart Financial Group and you, regarding the terms on which you obtain access to the materials on this site.

By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you are not authorized to access or use this website for any purpose.

1. Contents not intended for distribution or use where prohibited

The information provided on this website is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Hobart Financial Group to any registration requirement within such jurisdiction or country. Neither the information nor any opinion contained in this website constitutes a solicitation or offer by Hobart Financial Group to buy or sell any securities, futures, options or other financial instruments or provide any investment advice or service.

2. These terms of use may change without prior notice

Hobart Financial Group reserves the right to modify these Terms of Use at any time without prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.

3. Notices of restrictions on your use

All data, information and content that you see, hear or otherwise experience on the website belongs to Hobart Financial Group, its partners, affiliates, contributors or third parties, and may be protected by U.S. and international copyright, trademark, intellectual property and other laws. Content provided by third parties is used on the website with the permission of the owners. You may download, print and store selected portions of the content herein, provided that you (1) do not copy or post the content on any network computer or transmit, distribute, publish or broadcast the content in any media, including without limitation, a website; and (2) do not modify or alter the content in any way, or delete or change any copyright or trademark notice. No right, title, or interest in any copied or downloaded content is transferred to you as a result of any such copying or downloading. Hobart Financial Group reserves complete title and full intellectual property rights in any content you copy or download from this website. You agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or create derivative works from any

content obtained from the website, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.

4. Disclaimer of warranties

By agreeing to grant you access, Hobart Financial Group is not obligated to maintain this site in its present form, and we expressly reserve the right to modify, suspend or terminate your access privileges. You agree and understand that we may, in our sole discretion and without any prior notice, close this website or deny you access to it, and delete any files which you may maintain at this site and any information which you may choose to post here.

The information on this website is provided on an “as is” and “as available” basis. You expressly agree to assume total responsibility and risk for your use of the website and services. Hobart Financial Group makes no express or implied warranties, representations or endorsements whatsoever with respect to the website or the service. The company expressly disclaims all warranties of any kind – express, implied, statutory, or otherwise – including, but not limited to implied warranties of merchantability, fitness for a particular purpose, or title and noninfringement with regard to the website, the service, or any information or content contained therein (including third party information). Hobart Financial Group shall not be liable for any loss or damage arising either directly or indirectly from any use of the website, the service or any information or content contained therein (including third party information). It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information or content provided by the website or service. Hobart Financial Group does not warrant that the functions performed by the website or service will be uninterrupted, timely, secure, or error-free, or that defects in the website or service will be corrected. Hobart Financial Group does not warrant the accuracy or completeness of the information or content provided by the website or service, or that any errors in the information or content will be corrected.

5. Limitation of liability

If you are dissatisfied with the website or any content therein, or with the Terms of Use, your sole and exclusive remedy is to discontinue using the website. You acknowledge, by your use of the website, that your use of the website is at your sole risk. You understand and agree that under no circumstances will Hobart Financial Group be liable for any damages whatsoever, including, but not limited to, (I) any direct, incidental, consequential, exemplary or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, service, or information or content provided therein, (II) any claim attributable to errors, omissions, or other inaccuracies in the website, service and/or information or content contained therein or downloaded through the website, (III) unauthorized access to or alteration of your transmissions or data, (IV) statements or conduct of any third party on the website or service, or (V) any other matter relating to the website or service, even if the company has been advised of the possibility of such damages. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such states, Hobart Financial Group’s liability is limited and warranties are excluded to the greatest extent permitted by law.

You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or service inaccessible to others; or otherwise cause damage to the website or any content contained therein. You agree not to add to, subtract from, or otherwise

modify the content on the website except as expressly authorized by Hobart Financial Group in these Terms of Use or by a written agreement between you and the firm.

6. General provisions

  1. Entire agreement. These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by Hobart Financial Group of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

  2. Correction of errors and inaccuracies. The information in the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.

  3. No endorsements of links. Links to third party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by Hobart Financial Group of the third party, its website, or the information contained therein. You acknowledge and agree that Hobart Financial Group is not responsible for the availability of any such websites and that Hobart Financial Group does not endorse or warrant and is not responsible or liable for any such website and the content therein. Any links to other sites are provided for convenience only.

  4. Enforcement. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the state of North Carolina, without regard to any conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in North Carolina, U.S.A., regarding any and all disputes relating to these Terms of Use, the Privacy Statement, your use of the website, any other website, service, or content contained therein.

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