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By accessing this website, visitors agree to use the site in accordance with these terms, applicable laws and regulations, and any written engagement terms that may separately apply.

No professional advice

Site content is for general informational purposes only and is not tax, legal, investment, financial planning, securities, insurance, accounting, or other professional advice.

Disclaimer of warranties

Materials on this website are provided on an as-is basis. MMVFO makes no warranties about completeness, reliability, accuracy, timeliness, likely results, or suitability for a particular purpose.

Use of site

Any action taken based on information found on this website is taken at the visitor’s own risk. Visitors should consult qualified professionals before acting on tax, legal, investment advisory, financial planning, securities, insurance, accounting, or business matters.

No guarantee

No outcome, tax savings, credit, refund, controversy result, investment result, insurance outcome, planning result, or other result is guaranteed.

Engagement terms

Any services are governed by a written engagement agreement and applicable licensing requirements.

Licensed affiliate services

Insurance implementation, investment advisory services, financial planning, securities-related services, legal services, and other regulated activities are provided only by properly licensed or registered affiliates, unaffiliated professionals, or a client’s existing advisors under separate or expressly included written terms and disclosures.

Intellectual property and limited use

Website materials are protected by applicable copyright, trademark, and other intellectual property laws. Visitors may view site materials for personal, non-commercial, transitory use and may not copy, modify, publicly display, commercially exploit, remove proprietary notices from, mirror, or transfer materials except as permitted by law or written authorization.

Accuracy and updates

Website materials may contain technical, typographical, legal, tax, or factual errors. MMVFO may update content at any time without notice and does not commit to keeping every page current.

External links

Links to third-party sites are provided for convenience only. MMVFO does not control third-party sites, does not endorse all content on linked sites, and is not responsible for their content, policies, terms, or practices.

Limitations of liability

To the fullest extent permitted by law, MMVFO will not be liable for losses or damages arising from use of, or inability to use, this website or materials on this website.

Changes to terms

MMVFO may revise these terms at any time by posting updated terms on this page.