Terms of Use.

Acceptance of terms

These Terms of Use are a binding agreement between you and Stellar Wealth Management LLC and Stelmaszek Company Ltd (together, "the firm," "we," "us"). By accessing or using stellarwm.com or any subdomain, you confirm that you have read these terms and agree to be bound by them. If you do not agree, do not use the website.

These terms apply to all visitors. They do not replace any client engagement letter; if you are a client of either entity, the engagement letter and these Terms of Use both apply, and the engagement letter controls if there is a conflict on a particular topic.

The website is not personalized advice

The information published on this website. including articles, calculators, downloadable PDFs, the Taxing Matters newsletter, and responses sent in reply to a contact-form submission. is for general informational purposes only. It does not constitute:

• Personalized investment, tax, accounting, or legal advice;
• A solicitation or offer to buy or sell any security;
• A recommendation regarding any specific account, security, fund, or strategy;
• An offer of advisory or tax-preparation services in any jurisdiction in which the firm is not registered or qualified.

Personalized advice from either entity is provided only under a written engagement letter executed by the client and the responsible entity. Submitting the contact form, subscribing to the newsletter, or reading content on this website does not create an advisory or tax-preparation relationship.

Eligibility

This website is intended for use by adults aged 18 or older. By using the website you represent that you are at least 18 years old. The website is not directed at children, and the firm does not knowingly collect information from children. See the firm's Privacy Policy for more on this.

Permitted use

You may read, view, share, and print pages on this website for your own personal, non-commercial use. You may forward links to pages or articles to others. You may quote brief excerpts of articles with attribution to Stellar Wealth Management and a link back to the original article.

Restrictions on use

You agree not to do any of the following without the firm's prior written permission:

• Reproduce, republish, or redistribute substantial portions of the website's content in any medium;
• Use the website's content in a way that suggests endorsement of you, your firm, or your services by Stellar Wealth Management or Matthew Stelmaszek;
• Scrape, crawl, harvest, or otherwise automatically collect data from the website except as expressly permitted by the firm's robots.txt or a written exception;
• Use the website in any manner that disrupts, damages, or impairs its operation, or attempts to bypass any access or security control;
• Use the website to transmit spam, viruses, malware, or any other harmful content;
• Use the website's contact form or newsletter signup to send commercial solicitations to the firm or its clients;
• Misrepresent your identity in connection with any submission to the website.

Intellectual property

The website's content. including the Stellar Wealth Management brand and bull mark, the Taxing Matters publication name, article text, photography, illustrations, downloadable PDFs, and the layout and design of the site. is the property of Stellar Wealth Management LLC, Stelmaszek Company Ltd, or licensors of either entity, and is protected by U.S. copyright, trademark, and other intellectual-property law.

The firm grants you a limited, revocable, non-exclusive, non-transferable license to access and use the website as described in the "Permitted use" section above. All other rights are reserved.

Third-party content and links

The website may include links to third-party websites and embedded third-party content (the SEC's IAPD website, FINRA, the firm's client portal at TaxDome, the firm's newsletter platform at Resend, and others). The firm does not control these third-party sites and is not responsible for their content, terms, or practices. Following a link to a third-party site is at your own risk; the third party's terms and privacy policy will govern your interaction with it.

Forms and submissions

The contact form and newsletter signup form on this website are operated through service providers identified in the firm's Privacy Policy. By submitting either form you authorize the firm to receive, review, and respond to your submission consistent with that Privacy Policy. The firm does not guarantee a response to any contact-form submission.

Do not submit Social Security numbers, account numbers, passwords, or other sensitive information through any public web form on this website. For sensitive intake, use the firm's secure client portal at stellarwealthmanagement.taxdome.com or an encrypted channel arranged with the firm.

No warranties

The website and all of its content are provided "as is" and "as available," without warranty of any kind, express or implied. To the maximum extent permitted by law, the firm disclaims all warranties including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, security, and uninterrupted availability.

The firm does not warrant that the website will be free from errors, viruses, or other harmful components, that defects will be corrected, or that any content is current, complete, or accurate at any given time. Articles, calculators, and downloadable content reflect the firm's understanding of law, regulation, and market conditions at the time of publication and may become outdated.

Limitation of liability

To the maximum extent permitted by applicable law, the firm, its principals, employees, contractors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to your use of the website, including but not limited to lost profits, lost data, lost opportunities, or reputational harm, even if the firm has been advised of the possibility of such damages.

The firm's total aggregate liability arising out of or relating to your use of this website, whether in contract, tort, or otherwise, shall not exceed one hundred U.S. dollars ($100), or the amount you paid the firm for website use in the twelve months preceding the claim, whichever is greater.

Nothing in these terms limits liability that cannot lawfully be limited, including liability for the firm's willful misconduct, gross negligence, or violation of a state or federal securities law where such limitation is prohibited.

Indemnification

You agree to indemnify, defend, and hold harmless the firm, its principals, and its service providers from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising from your use of the website in violation of these terms, your infringement of any third-party right, or your transmission of any unlawful or harmful content through the website.

Governing law and jurisdiction

These Terms of Use are governed by the laws of the State of Alaska, without regard to its conflicts-of-law principles. You and the firm consent to the exclusive jurisdiction of the state and federal courts located in the Third Judicial District of Alaska for any dispute arising out of or relating to these terms, except where applicable law requires otherwise.

If you are an Alaska resident, applicable consumer-protection laws apply notwithstanding this section. If you reside in another state, you may have rights under the laws of your home state that survive this choice-of-law provision; this section does not waive those rights.

Dispute resolution

Before initiating any legal proceeding arising out of these Terms of Use or your use of the website, you agree to first attempt to resolve the dispute informally by contacting the firm's Chief Compliance Officer through the contact form on this site with a written description of the dispute. The firm will respond within thirty (30) days. If the dispute is not resolved within sixty (60) days of your initial notice, either party may pursue legal remedies subject to the Governing Law section above.

Disputes between a client and either entity arising out of a written engagement letter are governed by the dispute-resolution provisions of that engagement letter, not by this section.

Modification of terms

The firm may modify these Terms of Use at any time by posting the revised terms on this page with an updated "Effective date" at the top. Your continued use of the website after a change constitutes acceptance of the revised terms. The firm encourages you to review these terms periodically.

Severability

If any provision of these terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will remain in full force and effect.

Entire agreement

These Terms of Use, together with the firm's Privacy Policy and the firm's Important Disclosures, constitute the entire agreement between you and the firm regarding your use of the website, and supersede any prior agreement on that subject. They do not supersede any written engagement letter between you and either entity.

Contact

Questions about these Terms of Use should be directed to Matthew Stelmaszek, Chief Compliance Officer through the contact form on this site.