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In addition to the terms, conditions, and disclaimers stated below, the User, by accessing and using this Web Site, agrees to the conditions of the Web Site’s Terms of Use which may be found by clicking the link at the bottom of the page.

INFORMATION DISCLAIMER

SMA seeks to ensure that all content and information published at this Web Site is current and accurate. The information at this Web Site does not in any way constitute legal or professional advice and SMA cannot be held liable for actions arising from its use. In addition, SMA cannot be held responsible for the contents of any externally linked pages.

The content of this Web Site is for general information purposes only and does not constitute advice. SMA tries to provide content that is true and accurate as of the date of writing; however, we give no assurance or warranty regarding the accuracy, timeliness, or applicability of any of the contents. Visitors to SMA’s Web Site should not act upon the Web Site’s content or information without first seeking appropriate professional advice.

All content and information at this Web Site might be changed or updated without notice. SMA might also make changes or improvements at any time without notice. This Web Site is not intended to be a source for tailored, professional advice. Visitors to this Web Site should always seek the advice of an appropriately qualified professional regarding your particular situation. SMA assumes no responsibility for information contained on this Web Site and disclaims all liability in respect of such information. In addition, none of this Web Site’s content will form any part of any contract between us or constitute any type of offer by SMA. Specific disclaimers may apply in addition to certain content or parts of the Web Site.

SMA accepts no responsibility for and excludes all liability in connection with browsing this Web Site, use of information or downloading any materials from it, including but not limited to any liability for errors, inaccuracies, omissions, or misleading or defamatory statements. The information at this Web Site might include opinions or views which, unless expressly stated otherwise, are not necessarily those of SMA or any associated company or any person in relation to whom they would have any liability or responsibility.

LIABILITY DISCLAIMER

This Web Site is provided “as is” and SMA expressly disclaims any and all warranties, express or implied, to the extent permitted by law, including but not limited to warranties of satisfactory quality, merchantability, or fitness for a particular purpose, with respect to the service or any materials.  WITHOUT LIMITING THE FOREGOING, SMA SHALL NOT BE LIABLE TO YOU OR YOUR BUSINESS FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR LOST OR IMPUTED PROFITS OR ROYALTIES ARISING OUT OF THE USE OF THIS WEBSITE OR ANY SERVICES PROVIDED, WHETHER FOR BREACH OF WARRANTY OR ANY OBLIGATION ARISING THEREFROM OR OTHERWISE, WHETHER LIABILITY IS ASSERTED IN CONTRACT OR TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY) AND IRRESPECTIVE OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF ANY SUCH LOSS OR DAMAGE. EACH PARTY HEREBY WAIVES ANY CLAIMS THAT THESE EXCLUSIONS DEPRIVE SUCH PARTY OF AN ADEQUATE REMEDY.

YOU ACKNOWLEDGE AND AGREE THAT AT NO TIME IS SMA MAKING ANY REPRESENTATION OR WARRANTY REGARDING ANY THIRD PARTY'S PRODUCTS OR SERVICES, NOR WILL SMA BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY CLAIMS ARISING FROM OR IN CONNECTION WITH SUCH THIRD PARTY PRODUCTS AND SERVICES. YOU HEREBY DISCLAIM AND WAIVE ANY RIGHTS AND CLAIMS YOU MAY HAVE AGAINST SMA WITH RESPECT TO THIRD PARTY PRODUCTS AND SERVICES, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

DISCLAIMER OF ENDORSEMENT

Reference within this Web Site to any specific commercial or non-commercial product, process, or service by trade name, trademark, manufacturer or otherwise does not constitute or imply an endorsement, recommendation, or favoring by SMA. The views and opinions of the authors of content published at SMA does not necessarily state or reflect the opinion of SMA or its owners, and cannot be used for advertising or product endorsement purposes.  References to books, software, Web sites, or products as “Recommended by SMA” are specific suggestions only and do not necessarily constitute or imply an endorsement.

DISCLAIMER FOR LINKS TO EXTERNAL, THIRD PARTY WEB SITES

Links to external, or third party Web sites, are provided solely for visitors' convenience. Links taken to other sites are done so at your own risk and SMA accepts no liability for any linked sites or their content. When you access an external Web site, keep in mind that SMA has no control over its content.
Any link from SMA to an external Web site does not imply or mean that SMA endorses or accepts any responsibility for the content or the use of such Web site. SMA does not give any representation regarding the quality, safety, suitability, or reliability of any external Web sites or any of the content or materials contained in them. It is important for users to take necessary precautions, especially to ensure appropriate safety from viruses, worms, Trojan horses and other potentially destructive items.
When visiting external Web sites, users should review those Web sites' privacy policies and other terms of use to learn more about, what, why and how they collect and use any personally identifiable information.