Terms of Use

01Acceptance of these terms

This website is operated by Continuum Planning Partners [CONFIRM legal entity name] (“Continuum,” “we,” “our” or “us”). By using it, you agree to these terms. If you do not agree, please do not use the site.

02Information only

Everything on this site is general information about our firm and the way we work. It is not an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, insurance product or other financial product or service.

Nothing here takes your personal circumstances into account. Please do not act on anything you read on this site without speaking with a qualified professional about your own situation.

03No advisor-client relationship

Using this site, reading its content or sending us a message does not make you a client and does not create an advisor-client relationship. That relationship begins only when you and Continuum sign a written agreement [CONFIRM: engagement agreement name].

04No legal or tax advice

Continuum does not give legal or tax advice through this site. Neither MML Investors Services nor any of its employees or agents are authorized to give legal or tax advice. For legal and tax matters, please consult your own attorney or tax professional.

05State licensing

Our professionals are licensed or registered only in certain states, and the products and services described on this site may not be available everywhere. We cannot communicate with, or respond to requests from, people who live in states where we are not licensed. See our Licenses page for the current list.

06Third-party links and portals

This site links to websites and client portals that we do not control, including Investor360 and Envestnet [CONFIRM current portal list], as well as FINRA BrokerCheck and SIPC. These services have their own terms and privacy policies. We are not responsible for their content, availability or security, and a link is not an endorsement.

07Email and the contact form

Please do not use email or the contact form on this site for anything time-sensitive. We cannot accept trading instructions, orders to buy or sell securities, or requests to move money this way, and any such message will not be acted on.

Email and web forms are not a secure way to send sensitive information. Please do not include account numbers, Social Security numbers, passwords, or health or financial details. If you need to share sensitive information, call us and we will arrange a secure method.

Messages may be reviewed and kept by us and by MML Investors Services, LLC as required by industry regulations [CONFIRM retention and supervision wording with compliance].

08Intellectual property

The text, design, photographs, graphics and other content on this site belong to Continuum or are used with permission. You may view and print pages for your own personal, non-commercial use. You may not copy, republish, change or sell any of it without our written permission. Third-party names and marks belong to their owners [CONFIRM MassMutual trademark wording].

09Disclaimer of warranties

We work to keep the site accurate and up to date, but it is provided “as is” and “as available.” We make no promises, express or implied, that the content is complete, current or error-free, or that the site will be uninterrupted or free of viruses or other harmful code. To the extent the law allows, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose and non-infringement.

10Limitation of liability

To the fullest extent the law allows, Continuum, MML Investors Services, LLC and their affiliates, officers, employees and agents are not liable for any direct, indirect, incidental or consequential loss that comes from using, or being unable to use, this site or anything on it. Some states do not allow certain limits on liability, so parts of this section may not apply to you.

11Privacy

Our Privacy Policy explains what information we collect through this site and how we use it. It is part of these terms.

12Changes to these terms

We may update these terms from time to time. When we do, we will post the new version on this page and change the effective date at the top. Using the site after a change means you accept the updated terms.

13Governing law

These terms are governed by the laws of the State of Tennessee, without regard to its conflict of law rules. Any dispute about these terms or this site will be handled in the state or federal courts located in [CONFIRM county, for example Williamson County], Tennessee.

14Contact

Questions about these terms can go to: