Terms and Conditions

Welcome to The 401k Man!

These terms and conditions outline the rules and regulations for the use of The 401K Man .com & Virtual Advisor Group's Website, located at https://the401kman.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use The 401k Man if you do not agree to take all of the terms and conditions stated on this page.

Cookies:

The website uses cookies to help personalize your online experience. By accessing The 401k Man, you agreed to use the required cookies.

A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

We may use cookies to collect, store, and track information for statistical or marketing purposes to operate our website. You have the ability to accept or decline optional Cookies. There are some required Cookies that are necessary for the operation of our website. These cookies do not require your consent as they always work. Please keep in mind that by accepting required Cookies, you also accept third-party Cookies, which might be used via third-party provided services if you use such services on our website, for example, a video display window provided by third parties and integrated into our website.

License:

Unless otherwise stated, The 401K Man .com & Virtual Advisor Group and/or its licensors own the intellectual property rights for all material on The 401k Man. All intellectual property rights are reserved. You may access this from The 401k Man for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

• Copy or republish material from The 401k Man

• Sell, rent, or sub-license material from The 401k Man

• Reproduce, duplicate or copy material from The 401k Man

• Redistribute content from The 401k Man

This Agreement shall begin on the date hereof.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website. The 401K Man .com & Virtual Advisor Group does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of The 401K Man .com & Virtual Advisor Group, its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, The 401K Man .com & Virtual Advisor Group shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.

The 401K Man .com & Virtual Advisor Group reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant The 401K Man .com & Virtual Advisor Group a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

• Government agencies;

• Search engines;

• News organizations;

• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

• System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

• Commonly-known consumer and/or business information sources;

• Dot.com community sites;

• Associations or other groups representing charities;

• Online directory distributors;

• Internet portals;

• Accounting, law, and consulting firms; and

• Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of The 401K Man .com & Virtual Advisor Group; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to The 401K Man .com & Virtual Advisor Group. Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

No use of The 401K Man .com & Virtual Advisor Group's logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability:

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are raised on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Reservation of Rights:

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website:

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us at any moment. We will consider requests to remove links, but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct. We do not warrant its completeness or accuracy, nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer:

To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

• Limit or exclude our or your liability for death or personal injury;

• Limit or exclude our or your liability for fraud or fraudulent misrepresentation;

• Limit any of our or your liabilities in any way that is not permitted under applicable law; or

• Exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort, and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Terms and Conditions For Users

The information provided herein is not directed at any investor, client or viewer and is provided solely as general information about our products and services and to otherwise provide general insurance, benefits retirement and investment education. No information contained herein should be regarded as a suggestion to engage in or refrain from purchasing insurance, benefits or any investment-related course of action as none of nor any of the principals, agents or its affiliates are undertaking to provide insurance, benefits or investment advice, act as an adviser to any plan or entity subject to the Employee Retirement Income Security Act of 1974, as amended, individual retirement account or individual retirement annuity, or give advice in a fiduciary capacity with respect to the materials presented through the website pages.

Important Legal Information

Please read these Terms and Conditions of Use (“Terms”) carefully. The401Kman, Virtual Advisor Group own and operate this website (“Site”). By registering for, logging into, visiting and/or otherwise using the Site in any way, you indicate that you understand and intend these Terms to be the legal equivalent of a signed, written contract, and you accept the Terms as set forth herein and agree to be legally bound by them. If you do not agree to these Terms, please do not access this website or any pages thereof.

Reservation of Rights

We reserve the right, at our discretion, to change, modify, add, or remove portions of these Terms at any time. Your continued use of the Site following reasonable notice of such modifications will be conclusively deemed acceptance of any changes to these Terms. You agree that notice of changes to these Terms posted on the Site constitutes reasonable and sufficient notice. At all times, you are bound by the then-current version of the Terms and of all applicable laws.

Use of Content

The Content (as defined below) of this Site is available for informational purposes only. The posting of Content and access to this Site does not constitute, either explicitly or implicitly, any provision of services or products by The401K man, Virtual Advisor Group LLC its agents, representatives or any of their respective affiliates.

Password Security and Notification

Certain parts of the Site are protected by passwords or require a login and are restricted to authorized users only. You may not obtain unauthorized access to such parts of the Site, or to any other protected materials or information, through any means not intentionally made available by The 401K man.com or Virtual Advisor Group LLC for your specific use. If you have a Password for access to non-public areas of the Site, you are solely responsible for all activities that occur in connection with your Password. Accordingly, you should take all reasonable steps to protect the confidentiality of your Password. Notify the appropriate company immediately if you become aware of any disclosure, loss, theft or unauthorized use of your Password. We may terminate your access to the Site for any reason, without prior notice.

Copyright and Trademarks

The content of this Site is owned or licensed by The 401k Man, Virtual Advisor Group and their third-party information providers and is protected by applicable copyrights, trademarks, service marks, and/or other intellectual property law with all rights reserved. Such content is solely for your personal, non-commercial use. Accordingly, you may not copy, distribute, modify, post, frame or deep link this Site, including any text, graphics, video, audio, software code, user interface design, or logos in any manner without the express written consent of The401K man or Virtual Advisor Group LLC. You may download material displayed on this Site for your personal use provided you also retain all copyright and other proprietary notices contained on the materials. You may not sell, distribute, publish, broadcast, circulate, modify, transmit, reuse, repost, or use the content of this Site for public or commercial purposes, including all text, images, audio, and video, without express written permission of The401K man & Virtual Advisor Group LLC. Modification or use of the materials for any other purpose violates intellectual property rights of The 401K man & Virtual Advisor Group LLC.

Nothing at this Site shall be construed as granting a license or right to use any image, trademark, service mark or logo, which is the property of The 401K man & Virtual Advisor Group LLC or their third-party information providers. The 401K man & Virtual Advisor Group LLC .and such third party information providers reserve all rights with respect to its and their proprietary information or material at this Site and will enforce such rights to the full extent of applicable copyright and trademark law.

Grant of License

The401K man & Virtual Advisor Group LLC. grant to you a personal, revocable, nonexclusive, non-transferable license to use this Site conditioned on your continued compliance with these Terms. Limited portions of the Content available in the public areas of the Site may be accessed, printed and downloaded on an occasional basis for personal, scholarly, research or non-commercial purposes; provided that all hard copies contain all copyright and other applicable proprietary rights notices included in such content and information and/or appropriate attribution to The 401K man & Virtual Advisor Group LLC. in a form and manner acceptable to us. For information on obtaining permission to use any Content beyond the uses permitted above, please email us at info@The401Kman.com. Unless and except as otherwise expressly permitted by these Terms, you may not access, copy, reproduce, modify, create derivative works of, alter, publicly distribute, republish, upload, post, transmit, publicly perform or display, license, transfer, sell, mirror, frame, “deep link,” “scrape,” data mine, or otherwise use any information or material obtained from or through this Site, without written permission from The 401K man & Virtual Advisor Group LLC. Any unauthorized use of this Site or the Content will terminate the permission granted herein and may violate applicable laws, including copyright law, trademark laws, and commercial regulations and statutes.

No Offer

Nothing contained herein constitutes an offer, solicitation or recommendation regarding any investment management product or service, or the offer to sell or the solicitation of an offer to buy any security; nor shall any such services be provided, or securities be offered or sold, in any jurisdiction in which such an offer, solicitation, provision or sale would be unlawful. All Site Content is subject to applicable statutes and regulations. This Site is published in the United States for residents of the United States. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this Site. U.S. investors are advised that not all investments or services described on this Site are available for sale in all states. Any potential investor should satisfy himself that an investment in any of The 401K man & Virtual Advisor Group LLC.respective products is permissible under the rules and regulations of his or her domicile. The Site is not directed to any person in any jurisdiction where (by reason of that person's nationality, residence or otherwise) the publication or availability of the Site is prohibited. Persons in respect of whom such prohibitions apply must not access the Site.

The information provided is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable for their investment needs or should seek such professional advice for their particular situation. Please refer to offering documents for further information concerning specific products. Certain of the statements contained herein may be statements of future expectations and other forward-looking statements that are based on management's current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. In addition to statements which are forward-looking by reason of context, the words “may, will, should, expects, plans, intends, anticipates, believes, estimates, predicts, potential, or continue” and similar expressions identify forward-looking statements.

The matters discussed herein may also involve risks and uncertainties described from time to time in the respective The 401K man & Virtual Advisor Group LLC. filings with the U.S. Securities and Exchange Commission. The company assumes no obligation to update any forward-looking information contained herein.

Investments

Past performance is no guarantee of future results. Equities may decline in value due to both real and perceived general market, economic, and industry conditions. Foreign markets may be more volatile, less liquid, less transparent, and subject to less oversight, and values may fluctuate with currency exchange rates; these risks may be greater in emerging markets. The value of investments, and the income from them, can go down as well as up, and you may not recover the amount of your original investment. Investing in the bond market is subject to certain risks including market, interest-rate, issuer, credit, and inflation risk. Where investments involve currency exposure, changes in rates of exchange may cause the value of the investment to go up or down. Any tax benefits referred to on this Site are subject to change and their availability and value will depend on your individual circumstance. Such investments are not deposits or obligations of, or guaranteed or endorsed by, any bank, and are not federally insured or guaranteed by the U.S. government, the FDIC, the Federal Reserve Board or any other agency. Some of the investments and services on this site may not be available in or appropriate for a retirement savings plan. Please contact your financial adviser about any investment restrictions associated with your particular plan.

No Reliance

Although The 401K man & Advisor Group LLC. have taken reasonable care to ensure that the information contained within this Site is accurate, no representation or warranty (including liability towards third parties), expressed or implied, is made as to its accuracy, reliability or completeness by The 401K man & Virtual Advisor Group LLC. or their contractual partners. Opinions and any other contents at the Site are provided by The 401K man & Virtual Advisor Group LLC. for personal use and informational purposes only and are subject to change without notice. Nothing contained on this Site constitutes investment, legal, tax or other advice and is not to be relied on in making an investment or other decision.

No Warranty

The information and opinions contained on this Site, including hyperlinks or references to other sites, are provided ‘as is’ without any warranty of any kind, either expressed or implied, to the fullest extent permissible pursuant to applicable law. You are responsible for evaluating the adequacy, accuracy, reliability, merchantability, non-infringement, completeness of any information or the content available on the Site or fitness for any particular purpose with respect to the site or any of its content.The 401K man & Virtual Advisor Group LLC. further assume no responsibility for, and makes no warranties that, functions contained on this Site will be uninterrupted or error-free, that defects will be corrected, or that this Site or the servers that make it available will be free of viruses or other harmful components.

Liability Waiver

Neither The 401K man & Virtual Advisor Group LLC. nor any of their respective affiliates, directors, officers, registered representatives or employees, nor any third party vendor, will be liable or have any liability, whether in contract, tort, strict liability or otherwise, for any direct, indirect, incidental, consequential, punitive or special damages arising out of or in any way connected with your access or use or inability to access or use the Site or reliance on the Content, or any failure of performance, interruption, defect, delay in transmission, computer viruses or other harmful components, or line or system failure associated with the Site, regardless of our knowledge thereof. The same is true for any content appearing on any of The 401K man & Virtual Advisor Group LLC. websites.

Events Beyond The 401K man & Virtual Advisor Group LLC. Control

You expressly absolve and release The 401K man & Virtual Advisor Group LLC. their respective affiliates, related companies, and all of their respective officers, directors, employees, registered representatives, shareholders, legal representatives, attorneys, agents, successors and assigns, from any claim of harm resulting from a cause beyond its control including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or software failures, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, acts of domestic or foreign terrorism or governmental restrictions.

User Representations

You represent and warrant to The 401K man & Virtual Advisor Group LLC. that you will not use this Site for any purpose that is unlawful or prohibited by these Terms, including but not limited to attempting or actually (a) disrupting, impairing or otherwise interfering with the operation or integrity of the Site or circumventing any Site security system; (b) collecting any information about other users of the Site; or (c) systematically extracting Content or other information or data contained in the Site to populate databases or other sites.

Linked Sites

Certain hyperlinks or referenced websites on the Site may for your convenience forward you to third parties' websites, which generally are recognized by their top level domain name. Any descriptions of, references to, or links to other products, publications or services does not constitute an endorsement, authorization, sponsorship by or affiliation with The 401K man & Virtual Advisor Group LLC. with respect to any linked site or its sponsor, unless expressly stated by The 401K man &Virtual Advisor Group LLC. Any such information, products or sites have not necessarily been reviewed by The 401K man & Virtual Advisor Group LLC. and are provided or maintained by third parties over whom The 401K man & Virtual Advisor Group LLC. exercise no control. The 401K man & Virtual Advisor Group LLC. expressly disclaim any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites. The 401K man & Virtual Advisor Group LLC. reserve the right to terminate any hyperlink or hyperlinking program at any time.

Information Submitted By You

You should not submit any confidential or proprietary information via the Site other than personal contact information consisting of your name address, phone and email. All information or material submitted through the Site will be deemed to be the property of The 401K man & Virtual Advisor Group LLC. By submitting any information or material to us through the Site, you grant us an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information. You also agree that The401K man & Virtual Advisor Group LLC. are free to use for any purpose any ideas, concepts, know-how or techniques that you submit to us through the Site. You agree to allow The 401K man & Virtual Advisor Group LLC. to view and revise your user settings on the Site upon your request.The 401K man & Virtual Advisor Group LLC. shall not be subject to any obligations of confidentiality regarding submitted information, except as agreed by The 401K man & Virtual Advisor Group LLC. company having a direct customer relationship or as otherwise specifically agreed or required by law.

California Consumer Privacy Act

The California Consumer Privacy Act (CCPA) is a new data privacy law that establishes various rights for California state residents. The law applies to companies that do business in California and meet one of several criteria related to revenue, data processing, and other factors. CCPA requires giving residents the right to opt out of the “sale” of their “personal information” (as the law defines those terms), with the opt-out offered via a prominent “Do Not Sell My Personal Information” link on the “selling” party’s homepage. CCPA does recognize certain exceptions to the definition of “sale,” such that not all transfers of personal information are “sales.” For example, transferring personal information to a “service provider” under the law is not a sale.Through submitting your information via our website you are thereby permitting us to use the submitted information in our own discretion as a service provider listed above.

Jurisdiction, Severability

The laws of the State of Missouri govern these Terms without regard to conflict of law provisions. If you take legal action relating to these Terms, you agree to file such action only in the Missouri State Supreme Court located in Jefferson City Missouri and you consent and submit to the personal jurisdiction of those courts for the purpose of litigating any action with The 401K man & Virtual Advisor Group LLC. or with any funds referenced in this site.

In the event that any provision of these Terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes close to the intention underlying the unenforceable provision.

Effective June 1st 2025