General Disclosures:

Harlow Wealth Management (“Harlow”) is an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Harlow is federally registered investment advisor with the Securities Exchange Commission (“SEC”) and an insurance agency registered with the State of Washington and other states as may be required. Harlow is not affiliated with any government agency. Registration with the SEC or any State does not imply their approval or endorsement of any service provided by Harlow.

This website is not to be considered investment or insurance advice and is not to be relied upon as the basis for entering into any transaction or advisory relationship or making any investment decision. All investments involve risk, including the possible loss of principal, that clients should be prepared to bear. Harlow is unable to represent, guarantee, or even imply that our services and methods of analysis can or will predict future results, successfully identify market tops or bottoms, or insulate you from losses due to market corrections or declines. Harlow does not provide legal advice or estate planning services, all individuals are encouraged to seek guidance from qualified professionals regarding their personal situation.

PAST PERFORMANCE OF ANY INVESTMENT, INVESTMENT STRATEGY, OR INVESTMENT STYLE IS NOT INDICATIVE OF FUTURE PERFORMANCE.

 

Social Media Disclosure:

Harlow’s published content on any social media platform, including but not limited to LinkedIN, Facebook, Instagram, Twitter and YouTube, is not an offer to sell or a solicitation of an offer to buy any products offered by Harlow. All content we publish is for educational, entertainment informational purposes only. We don’t provide any sort of investment advice or recommendations to invest in any investment product on social media, or anywhere else. Harlow is not affiliated with any social media platform, nor are we responsible for the privacy policies of the social media platforms used. Please do not publish or send us any personal or confidential information via our social media accounts including account information, security questions or personally identifying information. For questions, contact us at (800) 782-2136. Comments on social media are reviewed for regulatory reasons. We reserve the right to remove or delete any comments, for any reason, including but not limited to: spam; harsh language; promotions for any type of business; messages that are not relevant to Harlow; testimonials; recommendations about specific securities or products; or investment advice. Comments posted on our social media pages are not adopted or endorsed by Harlow and don’t reflect the views of Harlow or its employees. We reserve the right to change our terms of social media use and comment moderation policies at any time.

 

Terms and Conditions:

These terms and conditions are between you and Harlow (“we,” or “us”), and they apply to and govern your use of them Harlow website, located at https://harlowwealth.com (the “Site”). Your use of the Site signifies your agreement to be bound by these terms and conditions. If you do not agree to be bound by these terms and conditions of use, you may not access or otherwise use the Site. Harlow may periodically change these terms and conditions, and any such changes will be effective immediately upon posting. We suggest that you periodically check these terms and conditions for changes. You may contact Harlow with questions about the terms and conditions of this User Agreement. Visit the Site’s Contact page to send an email.

 

Limited License and Restriction on Use

Harlow grants you a revocable, non-exclusive, non-transferable, limited right to access, use, display, and print the pages within the Site and the materials thereon for your personal and informational use only, provided that you comply fully with these terms and conditions of use, as well as any other rules, procedures, policies, terms, or conditions that govern all or any portion of the Site. At any time, and for any reason, we may revoke your right to use all or any portion of the Site. You shall not:

  • modify, delete, copy, reproduce, repackage, publish, broadcast, license, transmit, distribute, display, perform, redeliver, frame, create derivative works from, participate in the transfer or sale of, post on the Web, or exploit the Site, or any portions thereof, including, without limitation, any text, images, articles, photographs, illustrations, audio, video clips, graphics, interface information, data, tools, products, and other content or other materials on, generated by, or obtained from the Site (together, “”Content””), without our express written permission;
  • violate or attempt to violate the security of the Site in any way through any means or device, including, without limitation, spamming, hacking, or uploading computer viruses or time bombs, or through the means expressly prohibited by any provision of these terms and conditions of use;
  • use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, copy, or harvest data from any part of the Site;
  • take any action that damages or disrupts the functioning of the Site or our systems, or that imposes an unreasonably or disproportionately large load on our infrastructure;
  • decompose, decompile, reverse-engineer, disassemble, or otherwise deconstruct all or any portion of the Site; or
  • remove any copyright, trademark, or other proprietary notice or legend contained on (or printed from) the Site.

 

Links

The Site may contain links and pointers to other websites and resources (the “Linked Sites”). These links are provided for your convenience and for your reference only. These links do not constitute an endorsement by or association with Harlow or any third-party resources or their contents. Hyperlinks do not imply that Harlow is affiliated or associated with or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the hyperlinks, or that any Linked Sites are authorized to use any trademark, trade name, logo, or copyright symbol of Harlow. If you access any Linked Site through the Site or otherwise, you do so at your own risk. Harlow is not responsible for information on any Linked Site that is referred to, or accessible or connected by hyperlink to, the Site.

 

Information and Content

All content is for informational purposes only. Nothing on the Site is an offer or solicitation to buy or sell any security or other similar product. Although the Site may include investment related information, nothing on the Site is a recommendation that you purchase, sell, or hold any security or other investment, or that you pursue any investment style or strategy. You will use the Content at your own risk and bear the sole responsibility of evaluating the merits and risks associated with the use of any Content on this Site before making any decisions based on such Content. We do not give any advice or make any representations through the Site as to whether any security or investment is suitable to you or will be profitable. Nothing on the Site is intended to be, and you should not consider anything on the Site to be, investment, accounting, tax, or legal advice. Dated Content speaks only as of the date indicated or published. We make reasonable efforts to provide accurate Content, but at times we may not promptly update or correct the Site even if we are aware that it is inaccurate, outdated, or otherwise inappropriate. You agree that we are not liable for any action you take or decision you make in reliance on any Content.

 

Professional Designations and Certifications:

In order to qualify as a CPA in Washington State, professionals are required to pass the Uniform CPA Examination, meet good character requirements, obtain at least a 90% score on AICPA Code of Professional Conduct, and meet experience requirements. In order to maintain qualifications, every three years, professionals must complete 120 hours of Continuing Professional Education requirements, completes a CPE certification, and pays a renewal fee to Washington State.

The CFP (Certified Financial Planner) is a professional certification granted by the Certified Financial Planner Board of Standards, Inc. ("CFP Board"). To attain the right to use the CFP mark, an individual must attain a bachelor's degree from a US college or university and complete a college level course of study covering financial planning topics including insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning. The individual must also pass a comprehensive 10-hour exam, complete at least three years of full- time financial planning related experience and agree to be bound by the CFP Board's Standards of Professional Conduct. In addition, to maintain the right to continue to use the mark, an individual must complete 30 hours of continuing education hours every two years and continue to agree to be bound by the Standards of Professional Conduct.

Neither the AICPA nor CFP Board are affiliated with Harlow. The use of either designation does not imply any approval or endorsement of any service provided by Harlow by the AICPA or CFP Board.

 

Changes to Site

We may change all or any portion of the Site at any time without notice to you.

 

Unavailability of the Site

Harlow is not liable for any technological problems and any impact that it may have. All or any portion of the Site may not be available and may not function properly at any time. We make reasonable efforts to avoid technological problems, but at any time the Site may have and may cause technological problems, such as viruses and other damaging computer programming routines or engines. We take reasonable security precautions when using the Internet, telephone, or other means to transport data or other communications, but we disclaim liability for any interception of data or communications. We make reasonable efforts to ensure that the Site is secure, but we do not guarantee the security of the Site. We are not liable for any defects, delays, or errors in or resulting from your use of the Site.

 

Warranties and Disclaimers

HARLOW DISCLAIMS ALL WARRANTIES WITH RESPECT TO THE SITE THAT THE LAW ALLOWS IT TO DISCLAIM. THE SITE, INCLUDING, WITHOUT LIMITATION, ALL CONTENT, IS PROVIDED “”AS IS”” AND “”AS AVAILABLE”” WITHOUT ANY REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO THE SITE INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND OTHER PROPRIETARY RIGHTS. WITHOUT LIMITING OUR GENERAL DISCLAIMER, WE DO NOT WARRANT THE SECURITY, AVAILABILITY, ACCURACY, COMPLETENESS, TIMELINESS, FUNCTIONALITY, RELIABILITY, SEQUENCING, OR SPEED OF DELIVERY OF THE SITE OR ANY PART OF THE CONTENT.

 

Liability and Indemnity

HARLOW’S LIABILITY WITH RESPECT TO THE SITE IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. IN NO EVENT WILL WE OR ANY OF OUR AFFILIATES, AGENTS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES HOWEVER CAUSED ARISING OUT OF THESE TERMS AND CONDITIONS, THE SITE, OR THE INABILITY TO USE THE SITE, EVEN IF WE, OR AN AUTHORIZED REPRESENTATIVE, HAVE BEEN ADVISED OF THE POSSIBILITY OF THE DAMAGES THAT YOU SUFFER OR IF ANY REMEDY YOU HAVE FAILS OF ITS ESSENTIAL PURPOSE. SOME STATES DONOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOTHE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

YOU WILL BE RESPONSIBLE FOR ANY LIABILITY TO HARLOW THAT ARISES OUT OF YOUR BREACH OF THIS USER AGREEMENT OR YOUR USE OF THE SITE. YOU AGREE TO INDEMNIFY HARLOW AND ITS AFFILIATES, AGENTS, EMPLOYEES, AND THIRD-PARTY SOURCES AGAINST ANY AND ALL SUITS, LOSSES, CLAIMS, DEMANDS, LIABILITIES, DAMAGES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS’ FEES) THAT ARISE FROM OR RELATE TO YOUR USE OF THE SITE; YOUR BREACH OF THESE TERMS AND CONDITIONS; YOUR VIOLATION OF ANY APPLICABLE LAW, STATUTE, ORDINANCE, REGULATION, OR ANY THIRD PARTY’S RIGHTS; OR CLAIMS ASSERTED BY THIRD PARTIES WHICH, IF PROVEN, WOULD PLACE YOU IN BREACH OF THIS USER AGREEMENT.

 

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