Last Updated: January 2021
If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions ("Terms of Service" or "TOS") applicable to such Services, which will be brought to your attention at that time.
Sites and Services
We do not guarantee that access to or use of this Site or any Services will be uninterrupted or error-free, and GDHI shall not be liable for any feature not being accessible or for any unavailability of its Site and Services. The Site and its features may be expanded, limited or modified at any time by GDHI to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the Site or Services, without notice. To access some of the content or features of the Site or its Services, Users may need to enhance or update the hardware or software in their computer systems. GDHI assumes no responsibility for any failure to access the Site or any Services, partially or fully, whether due to the User's system, the Internet network or any other cause.
We do not provide information or services to minors, and if you are under 18, and at least 13 years of age, you may only use this Site and/or the Services with the active involvement of a parent, guardian or another supervising adult. You may not use this Site if you are under 13 years of age.
No Individual Investment Advice
This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual's situation is unique, a qualified professional should be consulted before making financial decisions.
Message Web Site Content Limitations
We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be provided by third parties and GDHI shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S., and may not be relevant to or compliant with the laws, regulations or other legal requirements of other countries. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of GDHI or its management. The Site content and services may be modified at any time by us, without advance notice or reason, and GDHI shall have no obligation to notify you of any corrections or changes to any Site content.
License to Use Site Content
We grant you a limited personal use license to access, display, download, format and print portions of this Site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training or reference materials. You may not frame or utilize framing techniques to enclose any content on this Site.
Please note that, if you purchase any Courses (as defined herein) through the GDHI Academy that purchase is subject to specific license rights provided for in the GDHI of this TOU (below).
Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of GDHI which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and GDHI shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content.
Content Posted by Users
To the extent we enable you to, and you choose to post or share any content or materials, including, without limitation, through the AI Service (e.g. questions) or through the GDHI Academy Service (e.g., quizzes, homework, projects, etc.) (“User Content”) you will be
(a) granting GDHI a fully transferable, sub-licensable (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify, transfer, distribute and create derivative works from the User Content and to associate your public profile information (if any) with such User Content,
(b) in any media formats and through any channels (whether now known or hereafter developed); perpetual, worldwide, royalty-free, fully paid-up, non-exclusive license to allow your materials to be edited and displayed by GDHI on its Site, and accessed by Users, for the purposes and on the terms in these TOU,
(c) agreeing to indemnify and hold harmless GDHI and its Users from any claim or demand made by any third party due to or arising out of your User Content, and
(d) representing that you own or otherwise have the right to post the User Content, that the User Content is accurate, that use of the User Content on the Site does not violate any laws, and that the materials will not cause injury to any person. GDHI shall have the right to use your name in connection with your posted User Content. GDHI reserves the right to remove or modify any User Content for any reason, including without limitation, if we believe it violates these Terms and Conditions.
If you choose to post any User Content and interact with other users, if applicable, please be respectful of other users and use common sense when posting comments. Remember that anything you post online may be perpetually available and are not confidential or private. Do not post anything you would not be comfortable sharing or being made public.
General. Some of the Services offered by GDHI require you to create an account. When you create an account, you agree that you have the authority to create that account and that all information you provide will be true, accurate, current, and complete. You are solely responsible for keeping your login information (e.g., user ID and password) accurate, secure, and confidential. You are also responsible for any activity resulting from the use of your login information. You agree to immediately inform us if you suspect that your login information has been comprised. We are not liable to you for any losses or damages you incur resulting from unauthorized use of your login information.
Social Sign in. If you log in or sign in using social networking functionality, e.g., Facebook, you agree to abide by the applicable social network’s terms and conditions.
Advisor Insights – for Users
GDHI may offer certain services, including, for example, GDHI’s Advisor Insights service (the “AI Service”), which allow users to engage in one or another manner with a network of third-party experts and advisors (including by submitting proposed questions to be posed to financial, legal, or accounting or tax professionals). Your use of and reliance on such services, if any, is entirely at your own risk, and you are solely responsible for complying with this TOU at all times. Your submissions (including any public profile information associated with such submission) and any associated responses from our advisor network, all of which materials constitute Third Party Content under this TOU, may be displayed in publicly viewable forums.
Submission of a question does not guaranty a response will be provided. Please note that we also enable you to follow individual advisors by clicking on the “follow” button on an advisor’s GDHI profile page and providing your email address. If you choose to follow any advisor, you agree to receive weekly recaps of the advisors content via a newsletter. You may unsubscribe from receiving an advisor newsletter at any time by pressing the opt-out link in any email communication from us and/or by accessing the “Manage Subscriptions” page on our Site.]
Please also see our “Communications” section below for more information on how we may communicate with you regarding the Advisor Insights and other services we offer.
IMPORTANT: No Client Relationship; No Privilege. By answering questions, advisors do not intend to form and do not form an advisor-client, accountant-client, attorney-client, or any other direct privileged or professional relationship with any user of the Site. Please keep in mind that laws, regulations, other governing authorities, standards, practices and procedures that apply to your particular question may differ depending on your location. Additionally, none of the Third Party Content private or confidential, nor is it protected by attorney-client, or any other privilege, and it may be read, collected, and used by others. Search engines may index your questions, answers, and other Third Party Content to allow them to appear in search engine results (e.g. if someone does a search on google.com or another search engine, your questions, answers, and other Third Party Content on our Site that relate to the search may appear in the search results list).
PLEASE NOTE: GDHI does not provide tax, accounting, legal, investment, or financial services. The information available through GDHI’s Advisor Insights service is provided by third parties and solely for informational purposes on an “as is” basis at the user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment, legal, accounting, or tax purposes. GDHI makes no guarantees as to the accurateness, quality, or completeness of the information and GDHI shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. User is solely responsible for verifying the information as being appropriate for user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. While GDHI may edit questions provided by users for grammar, punctuation, profanity, and question title length, GDHI is not involved in the questions and answers between advisors and users, does not endorse any particular financial, legal, accounting, or tax professionals that provide answers via the service, and is not responsible for any claims made by any advisor. GDHI is not endorsed by or affiliated with any state bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or FINRA or any other financial regulatory authority, agency, or association.
POSTS ARE NOT CONFIDENTIAL. The Advisor Insights is a forum-based service and any information and materials you submit in connection with your profile and/or any questions you pose to any one of the advisors.)