Terms of Service

Welcome to Top Advisor 101!

These terms and conditions govern how the website located at https://www.topadvisor101.com/ (Top Advisor 101) may be used.

We assume that you have accepted these terms and conditions if you access this website. If any of the terms and conditions on this page do not agree with you, do not use Top Advisor 101.

The terms “Client,” “You,” and “Your” refer to the user who visits this website and complies with all terms and conditions set forth by the owner of this website and to whom the Terms and Conditions, Privacy Statement, and Disclaimer Notice are addressed.

All references to “The Company,” “Ourselves,” “We,” “Ours,” and “Us” are to our Company. Both the Client and ourselves are referred to as “Party,” “Parties,” or “Us.”


Cookies are a tool we use. You consented to the use of cookies by accessing Top Advisor 101 and agree to the terms of the Top Advisor 101 Privacy Policy.

The majority of interactive websites utilize cookies to enable us to retrieve user information for each visit.

Our website makes use of cookies to facilitate the functionality of some features for the convenience of users. Some of our advertising and affiliate partners might also utilize cookies.


Except when otherwise noted, all content on Top Advisor 101 is the exclusive property of Top Advisor 101 and/or its licensors.

The ownership of every intellectual property is reserved. Subject to the limitations outlined in these terms and conditions, you are permitted to access this from Top Advisor 101 for your own personal use.

You must not:

  • Use Top Advisor 101 content in your publications
  • material from Top Advisor 101 for purchase, rental, or sublicense.
  • Material from Top Advisor 101 may not be copied, duplicated, or forwarded.
  • Use Top Advisor 101 content somewhere
  • This Agreement shall begin on the date hereof.

Users have the option to submit comments and discuss information and thoughts in specific areas of our website.

Before Comments appear on the website, Top Advisor 101 does not filter, edit, publish, or review them.

None of Top Advisor 101, its agents, or its affiliates have expressed any thoughts in the comments.

Comments represent the views and opinions of the author who posted them.

As far as the law permits, Top Advisor 101 will not be held responsible for the Comments or for any responsibility, loss, claim, or expenditure related to the use, posting, appearance, or disclosure of the Comments on this website.

The owner of Top Advisor 101 has the right to review all comments and to remove any Comments that are objectionable, offensive, or in violation of these terms and conditions.

You warrant and represent that:

  • The Comments do not violate any third party’s intellectual property, including without limitation any copyright, patent, or trademark;
  • You have the right to post the Comments on our website and you have received all required permissions and licenses to do so.
  • The comments don’t contain anything that violates someone’s privacy or is slanderous, insulting, or libelous.
  • The Comments won’t be utilized to portray commercial activities, or illegal behavior, or to advertise or solicit any kind of business.
  • By submitting your comments, you give Top Advisor 101 non-exclusive permission to use, reproduce, edit, and permit others to use, reproduce, edit, and publish any of your Comments in any and all forms, medium, or formats.

Hyperlinking to our Content

The following groups are permitted to link to our website without seeking prior written consent,

Search engines; governmental entities;

Online directory distributors, news organizations, and system-wide accredited enterprises are all permitted to link to our website, with the exception of soliciting non-profit organizations, charity shopping centers, and charity fundraising organizations, which are not permitted to do so.
These organizations are permitted to link to our home page, publications, or other website content as long as the link satisfies the following conditions:

(a) it is not misleading in any way; (b) it does not imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) it is appropriate for the linking party’s website.

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 that represent charities, online directory distributors, internet portals, well-known consumer and/or business information sources, accountancy, law, and consulting businesses, as well as educational institutions and trade associations.

If we determine that: (a) the link would not reflect poorly on us or our accredited businesses; (b) the organization does not have a history of issues with us; (c) the benefit to us from the visibility of the hyperlink more than makes up for the absence of Top Advisor 101; and (d) the link is in the context of general resource information, we will approve link requests from these organizations.

The following conditions must be met for these organizations to link to our home page: (a) the link must not be misleading in any way; (b) it must not imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) it must make sense within the context of the linking party’s website.

You must contact us by sending an email to Top Advisor 101 if you represent one of the organizations mentioned in paragraph 2 above and are interested in linking to our website.

If you want to link to our Website, you must inform us by sending an e-mail. In addition to your name, your organization name, and our contact information, be sure to include a list of any URLs from which you intend to link to our Website, as well as a list of any URLs on our site that you would like to link to. Take two to three weeks to hear back.

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

By use of 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 Top Advisor 101’s logo or other artwork will be allowed for linking absent a trademark license agreement.

Content Liability

We disclaim all liability for any content that appears on your website. You acknowledge that you will defend and protect us from any allegations made against us on your website. No link(s) that might be construed as defamatory, obscene, or unlawful, or that violates, encourages the violation of, or otherwise violates, the rights of any third party, should be present on any website.

Your Privacy

Please read Privacy Policy

Reservation of Rights

We reserve the right to demand that you take down any or all of your links to our website. You agree to allow our website to request the immediate removal of all connections to it. Additionally, we retain the right to modify these terms and conditions as well as the linking policy at any moment. You agree to be governed by and comply with these linking terms and conditions if you link to our website on a regular basis.

Removal of links from our website

You are welcome to contact us at any time and let us know if you discover any links on our website that are offensive for any reason. Requests for links to be removed will be taken into account, but we are not required to do so or to reply to you personally.

We do not guarantee the accuracy, completeness, or timeliness of the information on this website and we do not guarantee that it will stay accessible. We also do not guarantee that the content on this website will be kept up to date.


All representations, guarantees, and other terms relating to our website and the use of our website are disclaimed to the maximum capacity permissible by applicable law. No provision of this disclaimer shall:

Limit or exclude our or your liability for personal injury; Limit or exclude our or your liability for fraud or fraudulent misrepresentation; Limit or exclude any of our or your liabilities in a manner not permitted by applicable law; Exclude any of our or your liabilities that may not be excluded under applicable law.
The above sentence applies to the limitations and exclusions of liability set forth in this Section and elsewhere in this disclaimer, and (b) they apply to any liabilities arising under the disclaimer, including but not limited to:

o the preceding clause; and (b) apply to all liabilities arising under the disclaimer, including contractual, tortious, and statutory duty-related liabilities.

We shall not be held responsible for any loss or damage of any kind as long as the website, along with the data, products, and services available there, are offered without charge.