Ingenio does not refer, recommend, endorse or guarantee any advisor or services. We do not represent or warrant that the advisor you select is qualified or licensed to provide the information or advice you seek. You are solely responsible to select your advisor and determine whether that advisor has the right qualifications and experience for your needs. Ingenio is not responsible for and does not warrant any advice or information that you receive from your advisor. You and the advisor are solely responsible for your conversations and communications. Whether or not you rely on any advice or information given is your decision.