Terms and Conditions of Use
HowMuchLife.com shall mean all areas and any financially related subscription or other financially related paid or complimentary products and services offered or available through the World Wide Web by How Much Life, LLC. Community Areas shall mean all bulletin boards, chat rooms and other user participatory areas on the HowMuchLife.com web site.
Modification of These Terms and Conditions
Content received through HowMuchLife.com may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content received through HowMuchLife.com to anyone, including, but not limited to, others in the same organization or company, without the express prior written consent of HowMuchLife.com, with this one exception: You may, on an occasional and irregular basis, disseminate an insubstantial portion of the content from HowMuchLife.com for a noncommercial purpose, without charge, and transmitted in non-electronic form, to a limited number of individuals, provided you include all copyright and other proprietary rights notices with such portion of the content in the same form in which the notices appear in HowMuchLife.com and original source attribution link to or the exact URL of the source page.
You may not post to HowMuchLife.com, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any rights owned by persons or entities other than yourself. The burden of determining that any information, software, images or any other content on HowMuchLife.com is not protected by rights rests with you. You acknowledge that HowMuchLife.com may acquire the rights to use any posted materials as described in "Submissions and Postings," and that you will not acquire any of those rights by downloading such materials.
You may post any content from HowMuchLife.com to news groups, mail lists, blogs or electronic bulletin boards without the prior written consent of HowMuchLife.com. HowMuchLife.com includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. HowMuchLife.com does not guarantee the accuracy, completeness or timeliness of these views, opinions or recommendations, give tax or investment advice, or advocate the purchase or sale of any security or investment.
"HowMuchLife.com" is a trademark of How Much Life, LLC. No license is granted with respect to this trademark in any manner or for any purpose.
HowMuchLife.com may contain links to other web sites or resources located worldwide throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appear on such other websites. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we shall not be held responsible for the legality, accuracy or inappropriate nature of any content, advertising, products, services or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content without limitation.
Code of Conduct
While using HowMuchLife.com, you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:
Use the site for any unlawful purpose.
Transmit any content or information that is unlawful, fraudulent, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third-party's intellectual property or other rights.
Transmit any content or non-public information about companies without the authorization to do so or any trade secret of any third party.
Transmit any content or information such as advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or other unsolicited commercial communication except as otherwise specifically permitted by us.
Engage in spamming or flooding.
Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse or other harmful or disruptive component.
Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the site.
Harvest or collect information about site visitors or members without their express consent.
Restrict or inhibit any other visitor or member from using the site, including, without limitation, by means of "hacking" or "cracking" or defacing any portion of the site.
Remove any copyright, trademark or other proprietary rights notices contained in the sites.
Frame or mirror any part of the site without our prior written authorization.
Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, data mine or in any way reproduce or circumvent the navigational structure or presentation of the site or its contents.
Express or imply that any statements you make are endorsed by us, without our prior written consent.
You alone are responsible for the content and the consequences of your communications. HowMuchLife.com reserves the right to terminate your site usage privileges immediately and without notice if it becomes aware and determines, in its sole discretion, that you are violating any of the Terms and Conditions of Use.
Submissions and Postings
Because HowMuchLife.com may host message boards, comments, forums and receive electronic communications on the site and therefore redistribute material that is submitted or posted by you, we must obtain certain rights over those materials. By sending or transmitting to us creative suggestions, ideas, notes, concepts, information or other materials (collectively, "Materials"), or by posting such Materials to any area of the site, you grant us and our designees a worldwide, non-exclusive, sub-licensable, assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials disclosed in message boards, comments or other forums shall be subject to any obligation, whether of confidentiality, attribution or otherwise, on our part, and we shall not be liable for any use or disclosure of any Materials.
You also warrant that the holder of any Rights in such content has completely and effectively waived all such Rights and validly and irrevocably granted to you the right to grant the license stated above. You acknowledge that transmissions to, from and/or through this site are not confidential, and your communications may be read, changed or interrupted by others. You acknowledge that by using or accessing this site, no confidential, fiduciary, contractually implied or other relationship is created between you and HowMuchLife.com.
Third-Party Products and/or Services
HowMuchLife.com may include icons, buttons or text in its site or through its newsletters and various promotions which, when activated, will allow you to access and learn more about other services and products throughout the world wide web. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.
All matters concerning orders between you and any third-party vendor, including, but not limited to, purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and the third-party vendor. HowMuchLife.com does not endorse, warrant or guarantee any product or service offered through this web site or any related communications such as email or newsletter and will not be a party to or monitor any transaction between you and third-party providers of products or services.
You should always exercise appropriate caution and perform due diligence when transacting with any vendor, as you alone are responsible for your decision to transact with any third-party vendor of services or products. You will not consider HowMuchLife.com, nor will HowMuchLife.com be construed as a party to such transactions, whether or not HowMuchLife.com may have received some form of revenue or other remuneration in connection with the transaction. HowMuchLife.com will not be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to any transaction with a third-party vendor.
HowMuchLife.com firmly believes that if you give a man a fish, you have fed him for a day, but if you teach a man how to fish, you have fed him for a lifetime. HowMuchLife.com exists for educational purposes only (teaching fishing) and HowMuchLife.com is not an investment advisory service nor an investment advisor (giving fish), nor does HowMuchLife.com provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel and/or tax advisor to determine the suitability of any investment or financial plan.
The nature of the materials presented on HowMuchLife.com are for general informational purposes only. No information on any part of the site is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The information on the site should not be relied upon for purposes of transacting securities or other investments. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or information source. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions and will not hold HowMuchLife.com liable for any damages relating to your personal finances or investments.
All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice, regardless of its source, critically. The Securities and Exchange Commission (the "SEC") maintains a web site with reports, proxy and information statements, and other information regarding certain companies that file with the SEC. In addition, the SEC also provides information on various kinds of cyber-fraud. The address of this Web site is Similarly, the National Association of Securities Dealers provides their own insights regarding online investing and information at
You understand and agree that HowMuchLife.com does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on HowMuchLife.com is for educational and informational purposes only. Sample allocations, portfolios and strategies provided are designed to educate and inform, and should not be viewed as direct recommendations. You understand and agree that any investment decisions you make will be based solely on your evaluation of your financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN ACTIONS.
No opinions or recommendations contained herein shall be construed as investment advice. You cannot assume that any recommendations, insights, philosophies or other information will ensure or lead to profitable investment.
HowMuchLife.com IS HERE SOLELY TO EDUCATE, AND YOU ARE SOLELY RESPONSIBLE FOR ALL YOUR DECISIONS AND ACTIONS IN RESPONSE TO ANY INFORMATION CONTAINED HEREIN. ALWAYS SEEK COMPETENT LEGAL AND FINANCIAL COUNSEL BEFORE MAKING ANY FINANCIAL DECISION. HowMuchLife.com IS NOT A REGISTERED FINANCIAL ADVISOR.
HowMuchLife.com Staff, Community Leaders and Participants
Anyone can contribute to the communications in the message boards, comments, chat, groups and instant messaging, including, but not limited to, anonymous persons, employees, contractors or volunteers working on behalf of HowMuchLife.com. These communications may be about investing, financial planning and stock or any related topic. Everyone is free to contribute as they see fit subject to the rules contained within this Agreement. HowMuchLife.com does not regulate what anyone says. Any person, regardless of their origin, could post messages or make statements that are inaccurate, deceptive, misleading or outright false. Their opinions are entirely their own, and may differ substantially from the opinions of HowMuchLife.com management.
You should not rely upon the information or opinions you read here or anywhere else. Rather, you should use this information as a starting point for doing your own independent research. Always independently judge for yourself the merits of material that is found on this web site regardless of its source. You should not assume that anyone posting information on this site has any special expertise or insight merely because they are employed by, contract for, or volunteer for HowMuchLife.com.
HowMuchLife.com does not guarantee the veracity, reliability or completeness of any information provided anywhere on this site, email promotions, newsletter, or in any hyperlink appearing on our site, and we will not be responsible for any loss or damage caused by a user's reliance on information contained therein. You are responsible for your own investment and financial decisions.
HowMuchLife.com, THE MATERIALS ON THIS SITE, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THIS SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, HowMuchLife.com AND ITS AFFILIATES, SUPPLIERS, ADVERTISERS AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
HowMuchLife.com AND ITS AFFILIATES, SUPPLIERS, AGENTS AND SPONSORS DO NOT WARRANT THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER(S) ON WHICH THE SITE IS HOSTED ARE FREE OF VIRUSES OR OTHER HARMFUL COMPOMENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE SITE, AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE OR STATEMENT OF HowMuchLife.com OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS OR VISITORS, WHETHER MADE ON THE SITE OR OTHERWISE, SHALL CREATE ANY WARRANTY.
HowMuchLife.com MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF ITS SERVICES REGARDING THE ACCURACY, COMPLETENESS, USEFULNESS, CURRENCY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH HowMuchLife.com'S SERVICES REGARDING ANY TRANSACTIONS ENTERED INTO THROUGH HowMuchLife.com'S SERVICES OR THAT HowMuchLife.com'S SERVICES WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE.
YOUR USE OF THE SITE AND ANY MATERIALS PROVIDED THROUGH THE SITE ARE ENTIRELY AT YOUR OWN RISK.
Limitation of Liability
HowMuchLife.com WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, COMPENSATORY, EXEMPLARY, RELIANCE OR PUNITIVE DAMAGES, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, RESULTING FROM THE USE OF OR ACCESS TO HowMuchLife.com'S SERVICES, THE USE OF OR THE INABILITY TO USE HowMuchLife.com'S SERVICES, RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH HowMuchLife.com'S SERVICES, RESULTING FROM LOSS OF, UNAUTHROIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, BUSINESS, PROFITS, DATA OR OTHER INTANGIBLES, EVEN IF HowMuchLife.com HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT CONTAINED WITHIN THE SITE IS TO STOP USING THE SITE. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO HowMuchLife.com FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE) SHALL BE THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE SITE.
This Agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
The section headings used herein are for convenience only and in no way define or explain any section or provision contained in this Agreement.
Howmuchlife.com does not conduct life insurance sales or give advice on life insurance products. Howmuchlife.com is a broker between a life insurance customer and a third party life insurance agent. Howmuchlife.com is not licensed to sell or give advice about life insurance products. In the event that you use a third-party life insurance agent found through the website, Howmuchlife.com cannot be held liable for any actions taken by the life insurance agent.
Dean Harder is authorized to conduct life insurance business in Indiana and may be licensed in other states. Dean Harder cannot conduct life insurance business in states in which we are not licensed. This website is in no way to be construed as an offer for the sale of insurance products in unauthorized states or countries. Provided content is for overview and informational purposes only and is not inteded and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Dean Harder does not provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor. How Much Life is not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services or any other governmental agency.