Terms of Service

1. Introduction

By accessing or using the SGL Financial website and related services, referred to as the “Site” and “Services,” you agree to these Terms of Service, referred to as the “Terms.” If you do not agree to these Terms, please do not use the Site or Services.

2. Services Provided

SGL Financial provides financial planning, investment advisory, educational resources, and related services. Information provided through the Site and Services is for general informational and educational purposes only and should not be construed as legal, tax, accounting, or other professional advice.

You should consult qualified professionals regarding your specific financial, legal, tax, and accounting circumstances.

3. User Responsibilities

You agree that:

• You are at least 18 years old.
• Information you provide through the Site is accurate and truthful to the best of your knowledge.
• You are responsible for evaluating any information, recommendations, or resources provided through the Site before making financial decisions.
• SGL Financial is not responsible for financial, investment, tax, legal, or other decisions you make based on information obtained through the Services.

4. Advisory Relationship Disclosure

An advisory relationship is established only after all required agreements have been executed and accepted by both parties.

Any information provided through the Site should not be interpreted as personalized investment advice or a recommendation to buy, sell, or hold any security, investment product, or financial strategy.

5. SMS Text Messaging Terms

5.1 Description of SMS Use Cases

If you opt in to receive text messages from us, we may send SMS messages for one or more of the following purposes, referred to as the “SMS Program”:

• Appointment confirmations and reminders
• Customer support communications
• Service notifications and account related updates
• Responses to inquiries you submit through the Site
• Promotional or marketing communications regarding our services, events, or educational content, if you have opted in

Message frequency may vary.

5.2 Opt Out Instructions

You may opt out of the SMS Program at any time by replying STOP to any message.

After sending STOP, you may receive a final confirmation message acknowledging your opt out request.

For assistance, reply HELP or contact us directly using the contact information provided below.

5.3 Message and Data Rates Disclosure

Message and data rates may apply to messages sent or received through the SMS Program. Please contact your wireless carrier for details regarding your messaging and data plan.

5.4 Carrier Liability Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

5.5 Privacy Policy

Your privacy is important to us. Please review our Privacy Policy for information regarding how we collect, use, and protect your information.

6. Disclaimer of Liability

SGL Financial makes no representations or warranties regarding the accuracy, completeness, suitability, or reliability of information provided through the Site or Services.

Investment and financial planning involve risk, including the possible loss of principal. Past performance is not indicative of future results.

To the fullest extent permitted by law, SGL Financial disclaims liability for any direct, indirect, incidental, consequential, or special damages arising from your use of the Site or Services.

7. Intellectual Property

All content available on the Site, including text, graphics, logos, images, videos, software, and other materials, is the property of SGL Financial or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, modified, distributed, transmitted, displayed, or otherwise used without prior written permission from SGL Financial.

8. Dispute Resolution

Any dispute arising out of or relating to these Terms, the Site, or the Services shall be resolved through binding arbitration in accordance with applicable arbitration rules and laws, except where prohibited by law.

The venue and governing law shall be determined based on the principal place of business of SGL Financial unless otherwise required by law.

9. Changes to Terms

SGL Financial reserves the right to modify these Terms at any time. Changes become effective upon posting to the Site. Your continued use of the Site or Services following any changes constitutes acceptance of the revised Terms.