Terms of Use

1. Acceptance of Terms

By accessing and using this website (the "Site"), operated by SG Wealth Managers, LLC ("we," "us," "our," or the "Firm"), you accept and agree to be bound by these Terms of Use and our Privacy Policy.

If you do not agree to these terms, please do not use this Site.

We reserve the right to modify these Terms of Use at any time. Your continued use of the Site following the posting of changes constitutes your acceptance of such changes. We encourage you to review these Terms periodically.

2. Use of This Website

Purpose

This Site is provided for informational purposes only. The content is designed to provide general information about SG Wealth Managers and our services. It is not intended to provide specific investment, tax, legal, or accounting advice.

Eligibility

This Site is intended for use by individuals who are at least 18 years of age. By using this Site, you represent and warrant that you meet this eligibility requirement.

Geographic Limitations

SG Wealth Managers, LLC is a Registered Investment Adviser in the State of Arizona. Information on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to local law or regulation.

3. Intellectual Property

All content on this Site, including but not limited to:

• Text, articles, and written materials
• Graphics, logos, and images
• Website design and layout
• Audio and video content
• Software and code

is the property of SG Wealth Managers, LLC and is protected by United States copyright, trademark, and other intellectual property laws.

Permitted Use

You may view, download, and print content from this Site for your personal, non-commercial use only, provided you:

• Keep all copyright and proprietary notices intact
• Do not modify the content
• Do not use the content for commercial purposes
• Do not distribute the content without our written permission

Trademarks

"SG Wealth Managers" and our logo are trademarks of SG Wealth Managers, LLC. You may not use our trademarks without our prior written consent.

4. User Conduct

When using this Site, you agree not to:

• Use this Site for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any portion of the Site, other accounts, or computer systems
• Interfere with or disrupt the Site's operation or servers
• Submit false, misleading, or inaccurate information through any form
• Use automated systems, bots, or scrapers to access the Site without permission
• Transmit viruses, malware, or other harmful code
• Impersonate any person or entity
• Collect or harvest information about other users
• Use the Site in any manner that could damage, disable, or impair the Site

We reserve the right to terminate or restrict your access to the Site for any violation of these Terms.

5. Investment Disclaimer

The information provided on this Site is for general educational and informational purposes only. It should not be considered as investment advice or a recommendation to buy, sell, or hold any particular security or investment.

No Guarantee of Results

We make no representations or warranties regarding:

• The performance of any investment strategy
• Future investment results or returns
• The suitability of any investment for your particular situation
• The accuracy of any projections, estimates, or forward-looking statements

Individual Circumstances

Investment decisions should be based on your individual financial situation, goals, risk tolerance, and time horizon. What may be appropriate for one investor may not be suitable for another.

Client Relationship

The information on this Site does not constitute an offer to provide investment advisory services. A formal client relationship with SG Wealth Managers is established only through the execution of a written advisory agreement.

6. No Professional Advice

The content on this Site is provided for informational purposes only and does not constitute:

• Investment advice — Consult a qualified financial advisor for personalized investment recommendations
• Tax advice — Consult a qualified tax professional (CPA or tax attorney) for tax-related matters
• Legal advice — Consult a qualified attorney for legal matters
• Accounting advice — Consult a qualified accountant for accounting matters

Any reliance you place on information from this Site is strictly at your own risk. We encourage you to seek professional advice tailored to your specific circumstances before making any financial decisions.

7. Disclaimers

"As Is" Basis

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.

No Warranties

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness of content
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties that defects will be corrected
• Warranties that the Site is free of viruses or harmful components

Third-Party Information

We may include information, data, or content from third-party sources. We do not guarantee the accuracy, completeness, or timeliness of such third-party information.

Schwab Relationship

SG Wealth Managers, LLC is independently owned and operated. We are not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. Client accounts are custodied at Charles Schwab, but Schwab does not supervise or review our investment advice.

8. Limitation of Liability

To the fullest extent permitted by applicable law, SG Wealth Managers, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any:

• Direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Damages resulting from your access to or use of (or inability to access or use) the Site
• Damages resulting from any content obtained from the Site
• Damages resulting from unauthorized access, use, or alteration of your information

This limitation applies regardless of the theory of liability (contract, tort, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Maximum Liability

In no event shall our total liability to you exceed one hundred dollars ($100) or the amount you have paid us in the past twelve months, whichever is greater.

Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

9. Third-Party Links

This Site may contain links to third-party websites, resources, or services that are not owned or controlled by SG Wealth Managers.

No Endorsement

The inclusion of any link does not imply our endorsement, approval, or recommendation of the linked site or its content, products, or services.

No Responsibility

We have no control over, and assume no responsibility for:

• The content, privacy policies, or practices of third-party sites
• The accuracy or reliability of information on third-party sites
• Any damage or loss caused by third-party sites

We encourage you to review the terms and privacy policies of any third-party sites you visit.

10. Changes to Terms

We reserve the right to modify, amend, or update these Terms of Use at any time and for any reason. When we make changes:

• We will update the "Last Updated" date at the top of this page
• The updated Terms will be effective immediately upon posting
• Your continued use of the Site constitutes acceptance of the updated Terms

We encourage you to review these Terms periodically. If you do not agree to any changes, you should discontinue use of the Site.

11. Governing Law

Applicable Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles.

Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona. You consent to the personal jurisdiction of such courts.

Waiver of Jury Trial

To the fullest extent permitted by law, you waive any right to a jury trial in any legal proceeding arising out of or relating to these Terms or your use of the Site.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

12. Contact Information

If you have questions about these Terms of Use, please contact us:

Regulatory Information

SG Wealth Managers, LLC is a Registered Investment Adviser in the State of Arizona. Registration does not imply a certain level of skill or training. For more information about our firm, including our Form ADV Part 2A (Firm Brochure), please visit our Disclosures page or the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov.