DISCLAIMER

DISCLAIMER OF WARRANTY AND LIABILITY

The information at this website has been provided by Aspen Investment Management Inc. for general information purposes. It does not constitute legal, accounting, tax or other professional advice or services and is presented without any representation or warranty as to the accuracy or completeness of the information. Aspen Investment Management is an independent registered investment adviser located in Grand Rapids, MI. We may only transact business in those states in which we are notice filed, or qualify for an exemption or exclusion from registration requirements. Investment advice can only be given after delivery of our Form ADV Part 2 and the execution of an Investment Advisory Agreement between the client and us. A copy of our ADV Part 2 can be obtained on our website, or by requesting it by phone at 616-361-2500.

While we have made every attempt to ensure that the information contained at this website has been obtained from reliable sources, we are not responsible for any errors or omissions, or for the results obtained from the use of this information. ALL INFORMATION IN THIS WEBSITE IS PROVIDED AS IS, WITH NO GUARANTEE OF COMPLETENESS, ACCURACY, TIMELINESS OR OF THE RESULTS OB TAINED FROM THE USE OF THIS INFORMATION, AND WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF PERFORMANCE, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. In no event will we be liable to you or anyone else for any decision made or action taken in reliance on the information in this Website or for any consequential, special or similar damages, even if advised of the possibility of such damages.

TIMELINESS OF PUBLISHED INFORMATION

Changes are inherent to the nature of publishing information on a website. We cannot give prior notice of changes or updates to our website. All such published information, including this Website Disclaimer, are subject to changes and updates and you are encouraged to review this Website Disclaimer on each visit to this website.

THIRD PARTY WEBSITE LINKS

Links to third party websites are provided for your convenience only. Such links are not under our control, are not by implication or otherwise endorsed by us, and information published on such websites is not our responsibility.

INTELLECTUAL PROPERTY ISSUES

The design, text and graphics and the selection and arrangement of such elements on this website are copyrighted and are protected by worldwide copyright laws and treaty provisions. Unless otherwise indicated, all product and service marks and logos displayed on this website are subject to our trademark rights. This website and its material may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way, without our prior written permission and is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Except as expressly provided herein, we do not grant any express or implied right to you under any patents, copyrights, trademarks or trade secret information.

DOCUMENTS

FORM ADV PART 2