4. Content Disclosures Content, permission to use your content, content disclaimers, permission to use your feedback, bounties THIS SITE IS DESIGNED TO FACILITATE EDUCATION, INFORMATION AND CONNECTIONS BETWEEN ELIGIBLE PARTIES WITHIN THE PERMITTED USES. THIS SITE CONTAINS USER CREATED CONTENT. ANASOVA SHALL HAVE NO RESPONSIBILITY OR LIABILITY OF ANY KIND FOR ANY FINANCIAL CONTENT OR USER CONTENT YOU ENCOUNTER ON OR THROUGH THE SERVICE, AND ANY USE OR RELIANCE ON SUCH INFORMATION IS SOLELY AT YOUR OWN RISK. Content We make no representations or warranties with respect to the accuracy of information contained in the site or provided via our Services. Information obtained via Anasova is for educational and informational purposes only. Neither Anasova nor its affiliates provide investment, insurance, tax, legal, or any other financial advice. Please consult a licensed professional before making any related decisions. Anasova does not make any representation or warranty, express or implied, regarding the content on any Third Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third Party Offerings. Product name, logo, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders. Availability, Errors and Inaccuracies We are constantly updating product and service offerings on the Service. We may experience delays in updating information on the Service and in our advertising on other web sites. The information found on the Service may contain errors or inaccuracies and may not be complete or current. If you find an error, please let us know at info@anasova.com! (There should be a link available on most pages where you can submit feedback as well.) Products or services may be mispriced, described inaccurately, or unavailable on the Service and we cannot guarantee the accuracy or completeness of any information found on the Service. We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice. User Created Content Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). You are responsible for the Content that you post on or through the Service, including its legality, reliability, and appropriateness. By posting Content on or through the Service, You represent and warrant that: (i) the Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright. You retain any and all of your rights to any Content you submit, post or display on or through the Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third party posts on or through the Service. However, by posting Content using the Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service. You agree that this license includes the right for us to make your Content available to other users of the Service, who may also use your Content subject to these Terms. You also agree that we can use your content in forming the ideas in our guides (curated content). And you agree that our guides are our guides, not your guides, and that you can't say our guides are your guides, even if you contributed a lot of good information to them. Bottom line: if you don't want us to use your content, don't contribute it here. Anasova has the right but not the obligation to monitor and edit all Content provided by users. Community Curated Content We use our community to curate information. We believe that curating information is key. Some sites give millions of posts on hundreds of thousands of topics. There is some great info and there is some garbage. We wanted a new approach. Your voice is welcome. All voices are welcome. Please submit questions, comments, and suggestions for improvement on anything you see, anywhere in our site. Our process is not that the loudest voice wins. We try to make the process as objective as possible but in the end there will be some subjectivity. Our editorial team has the final say and has no obligation to disclose the process through which they determine what material is selected for publication. Permission Content found on or through this Service are the property of Anasova. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us. We hereby grant you a limited, non-exclusive, non-transferable license to view, use, download and print the Content solely for your personal, informational, non-commercial and internal review and solely in accordance with these Terms. You may not: (i) use the Content or any part thereof to develop products or technologies similar to the products of Anasova; (ii) reproduce, republish, modify or alter the Content; (iii) distribute or sell, rent, lease, license or otherwise make the Content available to others; or (iv) otherwise remove any text, disclaimers, copyright or other proprietary notices contained in the Content. Feedback In the event that you provide us any ideas, thoughts, criticisms, suggested improvements or other feedback related to any of our Sites, Apps or Services (collectively "Feedback"), you agree we may use the Feedback to modify our products and services and that you will not be due any compensation, including any royalty related to the product or service that incorporates your Feedback. You grant to us a worldwide, royalty-free, fully paid, perpetual, irrevocable license to use, reproduce, modify, translate, distribute, perform, display, import, sell, offer for sale, make, have made and otherwise exploit the Feedback in any form, media, or technology, whether now known or hereafter developed, and to allow others to do the same. This is true whether you provide the Feedback on the Site or through any other method of communication with us, unless we have entered into a separate agreement with you that provides otherwise. Listings Some listings and content are not affiliated with Anasova in any way. We just think what they are doing is really interesting. If you are a part of a company that has a listing and wants your information updated, changed, or removed, contact us at info@anasova.com. What Else? If you see something that is: •Wrong •Factually inaccurate •Offensive •You want removed •A violation of anything •A concern Let us know through our Contact form or emailing info@anasova.com. Other things: 1.We make third party content available. We have not verified this content or the accuracy of this information 2.Curated content is edited. 3.You are using our Content for general information purposes only and not as the basis to form any decisions. Content Related Disclaimers regarding the Services: 1.Nothing herein nor in the Services shall be construed to be investment advice nor a solicitation to buy or sell any security or to participate in any trading or investment strategy. 2.Nothing herein nor in the Services shall be construed to be a solicitation to buy or sell any insurance product or financial product. 3.Investing with leverage contains multiple risks including but not limited to, interest rate risk, greater volatility risk, liquidity risk, call risk, rollover risk, and the risk of a total loss of capital. 4.Financial information is general and not exhaustive by nature. You must consult your financial professional for financial advice. 5.Insurance information is general and not exhaustive by nature. You must consult your insurance professional for insurance advice. 6.Tax information is general and not exhaustive by nature. You must consult your tax advisor for professional advice. 7.Legal information is general and not exhaustive by nature. You must consult your legal professional for legal advice. 8.All content is subject to change without notice. 9.We believe that facts and figures are accurate throughout the site as of the date of these Terms of Use. Facts and figures are not guaranteed, subject to change without notice, and subject to additional disclaimers in these Terms of Use. 10.Content does not reflect the views of Anasova. 11.All opinions are subject to change without notice. 12.Margin and borrowing against securities involves considerable risk. You must speak with a professional and see complete disclosures of these risks before proceeding. 13.Asset allocation and diversification do not guarantee a profit or protect against a loss. 14.Bonds are subject to interest rate risk, credit risk, currency risk and other risks. 15.Equities may fluctuate in value and lose all their value. 16.Case studies are for educational purposes only and do not indicate future performance. 17.Investment results vary. 18.Strategies and products presented are not appropriate for every individual. 19.Investment and insurance products: Not FIDC insured, not a bank deposit, not insured by any federal government agency, not bank guaranteed. May lose value. Attachment of Disclaimers Any and all disclaimers in any Report or on any page in our Site are hereby included by reference, in their entirety, to these Terms. For your convenience, and with your agreement, we are not repeating those disclaimers here. Similarly, these terms, in their entirety, are included by reference to any Plan, Report, Site, or Service or communication received or used by you. You are hereby requesting that we do not repeat these terms and disclaimers in articles and discussions throughout the Site, Plans or Report(s). While inside the community, you may refer back to our Terms of Use by clicking on the Anasova logo in the top left of the screen (Fin Hive) or lower left corner of your report. Or top of page menu drop down (Anasova.com). You agree to allow these links to contain these Terms of Use, in whole, for every page of content, throughout the Platform. If the link is somehow missing, you agree these Terms still apply to any content presented in any way. Educational Site This Site is for education purposes. This Site does not contain personalized advice. This Site lacks sufficient detail and disclaimers for you to make any actionable decisions. You will use the information for thoughtful conversation with your advisors to determine how these ideas may or may not relate to your unique situation, personal needs, goals and risk tolerance. You agree you are using this Site at your own risk. The ideas in this site are meant to go together. You can't pick and choose concepts without materially changing, disrupting or destroying the overall ideas. All figures and rates are hypothetical and subject to change without notice. Past performance does not guarantee future results. All strategies have risks. These risks are not fully disclosed on this Site. You must evaluate these risks with your professional advisors. Private Community By using our Service you are electing to opt in and join a private community where we intend to discuss ideas freely for educational purposes. You understand that the Terms of Use and these disclaimers apply to all of the content herein. Help and Assistance General help and assistance for the app and content and plans is included with your use of our paid services. Access to personal assistance from financial professionals is provided via Anasova Connect. Anasova Connect and other services may be made available for an additional charge on a per use basis. Additional terms and conditions may apply with these services. You are not required or obligated to sign up for or to use these services. If you are not a subscriber to our services we reserve the right to provide no support and to not answer any questions, of any type. If you are a paid subscriber we reserve the right to limit our help and assistance. Content Bounties We may from time to time offer bounties (rewards) to improve our content. We do this because we really value your feedback. We have sent a number of rewards and would like to send out more. The problem is, we have had some bad actors try to take advantage of our program. So, please read the following closely: •Only submissions received via our contact form are valid. •Only one bounty will be awarded per discovery of any item, issue, error, or improvement. If an issue, error, or improvement has been identified we may simply inform you that it is on our roadmap and we are working on it. •Errors that have been fixed (old errors) are no longer eligible for a bounty. •Bounties must be submitted on a timely basis, ideally as soon as discovered. •The bounty, if any, is allocated in our sole discretion. We do not have to award it under law, agreement, or contract. You may just get a simple thank you. We have the right to reject or approve any award for any reason, including "we don't want to pay it". •A bounty, if any, is not a commitment or contract, of any type. You agree and accept that bounties, if any, are not a contractual obligation of the Platform, Anasova, Inc. or our Affiliates. •We reserve the right to intentionally maintain errors and the right to reject bounties related to said errors. We also reserve the right to reject your suggestions and comments for any reason. •Bounties may be across multiple categories such as "error", "improvement", "mathematical argument". We alone classify the category under which a submission is eligible. You do not have the right to dispute our classification. We have no obligation to disclose the process through which we determine if a bounty is eligible or how it is classified. You should anticipate this process is an "opaque box". •You must be an Eligible User to receive a bounty. •We may request additional detail and / or a call to better understand your comment, suggestion or mathematical argument. •Mathematical arguments on a superior solution must adhere to academic rigor. •Eligible Users are limited to a maximum payout of $99. •Bounties must be awarded to a person (rather than a company). We reserve the right to collect whatever information we deem necessary to pay your bounty. We may request information including, but not limited to, your name, address, age, citizenship, and a copy of your plan. If you do not promptly provide the information we request, we have the right to void your submission. •If the offer of a bounty is void by any governmental agency, of any type, anywhere, for any reason, then our offer is void as well. •These Terms of Use, including dispute resolution and mandatory arbitration, and our Privacy Policy apply are included in their entirety. •Bounties or any bounty related claims are not eligible for class action claims. •You agree hold harmless Anasova Inc. its investors, officers, and employees, contractors and affiliates from any obligation to you related to bounties or content rewards. •We may modify or cancel these programs at any time, for any reason. Additional Content Disclosures and Disclaimers •When you see language like "you should...", "you must...", or any similar language you will interpret the emphasis to be a key point to discuss with a professional, not a recommendation or basis of action. You agree you will not interpret these terms literally. •Similarly, when you see the terms "I" or "you" you recognize and agree that this is stylistic. "I" is not the voice of any individual. "You" does not refer to you specifically, or to any individual. •You agree and understand that all risks are not covered in these Terms or in the materials or information you receive via our Services and that the recommendation may not be appropriate for you. •The information you receive in our guidebook and Services has been prepared by a computer and has not been reviewed by a human. You agree, acknowledge, and understand that it may have errors. You also understand these errors may be difficult to identify. You accept these risks and recognize that it is a considerable risk. You release any claims related to errors in the information you receive. •There is no guarantee on the completeness or accuracy of information in the Platform. •When you see facts, figures, or opinions, of any type, there can be no assurances that this statement is 1.) factually correct 2.) applies to your situation 3.) you will experience a similar result or 4.) you will be eligible for the product(s) or service(s) to which we refer. This includes, but is not limited to, statements estimating savings, rates, terms or conditions. This information intended for your guidance and general information purposes only as a basis to further explore a topic of interest or potential area of saving. Content Specific to Our Plans, "Build a Plan", "Build Your Plan", "Secure Your Future", and all Related Terms Some of this is a bit repetitive but it is considered a best practice for us to make sure this is clear. When we say "build you plan" or "build your guide" or "secure your future" or any similar term prior to building a plan you understand: 1.You are requesting that we generate a custom publication for you. 2.We generate this publication from our content library. We pull select content based on your preferences and what we think will be of interest. Which we make this determination via a questionnaire. 3.That content will generally appear as a PDF, which is our publication. It may also surface as an interactive web response to information you provided. 4.The publication provides impersonal perspective for educational purposes, not advice. 5.The publication is of regular circulation - you can update it any time you would like (and in fact it is updated almost daily). 6.You do not consider it to be a Financial Plan, but just a "plan", like "I plan to have dinner tomorrow". 7.By accepting your plan and by using our Services, you agree to take the position that you consider Anasova to be a publication of general and regular circulation, providing impersonal education, under Section 202(a)(11)(A)-(E) of the Advisors Act. 8.You understand that there can be no assurances or guarantees that you will in fact "Secure Your Future" or have success in accomplishing your goals. Math Content in Our Publications and in the Services Content in a traditional publication might say something like, "own 10x your income in life insurance". Here, we ask you questions and do the math for you. This is not to be interpreted as personalized advice. it is simply a service we provide, based on information you provided. Our math may have errors because of mistakes you made entering the data or mistakes in our calculations. This is why it is important to review our math with your professionals. We make no assurances, representations, guarantees, or warranties that the math in your publication is correct or relevant to your personal circumstances. Claims, User Data, Statements on Usage, Statistics, Facts & Figures •We make no assurances or guarantees that any claim on the site is factually accurate, correct, or will pertain to you or your unique circumstances. •Because our site is anonymous, we have aggregated data but no information on the underlying users. •We make our best efforts to remove test or phantom plans from our data but no assurances can be made that this effort is complete. As a result, and data we share may not be statistically accurate. •We make no effort to verify any data our users provide to us. •We rely on our users to provide accurate data. •While we believe our statements are accurate, the data, and therefore our statements, could be inaccurate for any number of reasons. •We assume no liability with respect to any claim around the accuracy of our claims, user data, statements on usage, statistics, facts & figures. •"Trusted by millions of dollars per day" or "Used by billions of dollars" or "Analyzed billions of dollar", or "Used by thousands of people" or similar statements are based on the average of what users claim to have as assets when they run a plan. Total dollars / days since launch. Our basis of ascertaining "trust" is limited to the fact that an individual used our service. •Average savings is based on the average of the savings the plan estimates for our users. These estimates may be inaccurate for a number of reasons. •High net worth individuals can skew our data dramatically. This impacts our statements with respect to savings and usage. We reserve the right to adjust our claims downward (by using median versus mean or by other proprietary methods). As a result, the stated figures may not match our actual data. •Our data changes daily and is subject to change without notice. Plan Specific Disclaimers When you do get your plan (which is not a Plan), here is a preview of some of the disclaimers and reminders you may see: Agreement to terms (your name may be inserted), on (the date and time will magically appear here), prior to receiving this report, you attested that you have read, understood, and agree to our Terms of Use, which you can access here: https:/?www.anasova.com/termsofuse.html. These terms may have been updated since your initial agreement. These terms are included by reference in their entirety. If for any reason you have changed your mind or disagree with those terms, please stop reading now and destroy your copy of your report. Key reminders prior to reading your report: •"Ana" is not a real person and you are interacting with artificial intelligence. •You understand this publication has been prepared by a computer, that it may have errors, and that this publication has not been reviewed by a human. You also understand these errors may be difficult to identify. •You are using this service for educational and informational purposes only. •This is a publication is of general and regular circulation. Our contents are updated regularly and subject to change without notice. You may access an updated copy anytime, on demand. •This publication is impersonal and is not tailored to your individual needs. The contents are customized based on what we think are the interests of our readers. You may select other preferences via the questionnaire to see additional content. •This was prepared at no cost to you and at your request. This report is for general education purposes only and lacks sufficient detail and disclaimers for you to make any actionable decisions. •The contents shall not be construed or interpreted to be any form type of advice, by any person, in any jurisdiction. This includes, but is not limited to, personalized, financial, legal, insurance, lending, banking, credit, savings, health, medical, or any other form of advice. •You will use the information for thoughtful conversation with your advisors to determine how these ideas may or may not relate to your unique situation, health, personal needs, goals and risk tolerance. •When you see language like "you should..." or "you must" and that you agree you will interpret the emphasis to be a key point to discuss with a professional, not a recommendation or basis of action. •You are using this publication at your own risk. All strategies have risks. These risks are not fully disclosed on this site or in the report. You must evaluate these risks with your professional advisors. •The ideas in this publication are meant to go together. You can't pick and choose concepts without materially changing, disrupting or destroying the overall ideas. •Discussion about securities is for education purposes only and not a solicitation for any security in any jurisdiction. See additional disclosures at the end of this report. Commentary on securities is not promotional. Our recommendations are based on detailed independent analysis and study. •There are advertisements in this publication. •Facts and figures are hypothetical, subject to change, and are designed to facilitate discussion. Past performance does not guarantee future success. There can be no assurance or guarantee of your success. Any modeling or predictions on future wealth accumulation may be wrong for many reasons. These reminders are provided for your convenience and are not a complete list of our terms, risks or disclosures. This list is not intended to be a replacement or substitute for our full Terms of Use. Additional important disclaimers, details on our Advertiser Disclosure, Privacy Policy, Terms of Use, how to contact us, and other important information can be found at the end of this report and in our Terms of Use. There are other disclaimers in the back, which are included by reference, they refer you back to here, and the whole process is very circular, but then, hopefully, complete. Images and Photo Disclaimers The persons shown in photographs on this website are stock photography models, images that we own, images we control the rights to, or images have obtained permission to use (Models). The Models are not affiliated with, Anasova. We have obtained the rights to use the photographs, and use of the photographs is in compliance with the terms of those license agreements. The photographs showing the Models are used on this website for illustrative purposes only. The Models do not personally endorse Anasova, or any products, services, causes, or endeavors associated with, or provided by, us. The context in which the photographs are used on this website is not intended to reflect personally on any of the Models shown in the photographs. We assume no liability for any consequence relating directly or indirectly to the use of the photographs showing the Models on this website.