Welcome to Fiat Lux Financial Planning! These Terms and Conditions (“Terms”) govern your use of our website https://fiatluxfp.com (the “Site”) and the services provided by Fiat Lux Financial Planning (“we,” “us,” or “our”). By accessing or using our Site and services, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you must not use the Site or services. Please read these Terms carefully before proceeding.

1. Acceptance of Terms

By accessing or using our Site, you agree to comply with and be bound by these Terms, including our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. If you do not agree to these Terms, you must discontinue your use of the Site.

We reserve the right to modify, update, or change these Terms at any time, and any changes will be posted on this page with the updated “Last Updated” date. It is your responsibility to review these Terms periodically to stay informed about any changes.

2. Use of the Site

2.1 Eligibility

To use our Site and services, you must be at least 18 years old and capable of entering into legally binding agreements. By using the Site, you represent and warrant that you meet these eligibility requirements.

2.2 Account Creation

In order to access certain features of the Site, you may be required to create an account. You agree to provide accurate and up-to-date information during the registration process. You are responsible for maintaining the confidentiality of your account login credentials and for all activities that occur under your account.

2.3 Prohibited Uses

You agree not to use the Site for any unlawful purpose or in any way that may harm, disable, overburden, or impair the Site. You also agree not to attempt to gain unauthorized access to any portion of the Site, other accounts, or networks connected to the Site.

3. Services

Fiat Lux Financial Planning provides financial planning and consultation services, including but not limited to retirement planning, tax planning, investment advice, and estate planning. The services we provide are intended to assist you in making informed financial decisions, and they are subject to the terms of this agreement.

3.1 No Guarantees

While we provide high-quality financial services, we do not guarantee specific results. Your financial success depends on various factors, including market conditions, investment choices, and your personal financial situation.

4. Fees and Payments

By using our services, you agree to pay any applicable fees as outlined on the Site or as agreed upon in your individual consultation agreement. We may charge fees for specific services, and these fees will be clearly disclosed to you before you proceed with the services.

We accept payment via credit card, debit card, and other payment methods available on the Site. All fees are non-refundable unless otherwise stated in a specific agreement or required by law.

5. Privacy

Your use of the Site is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Site, you consent to the collection and use of your data as described in the Privacy Policy.

6. Intellectual Property

6.1 Ownership

All content on the Site, including but not limited to text, images, logos, trademarks, and videos, is owned by Fiat Lux Financial Planning or its licensors and is protected by intellectual property laws. You may not use, reproduce, or distribute any content from the Site without prior written permission from us.

6.2 User Content

If you submit any content to the Site, including but not limited to comments, reviews, or testimonials, you grant Fiat Lux Financial Planning a non-exclusive, royalty-free, perpetual, and irrevocable license to use, modify, and distribute such content for any purpose related to the services we provide.

7. Disclaimers

7.1 No Financial or Legal Advice

The information provided on the Site is for general informational purposes only. While we offer financial planning and consultation services, the Site’s content should not be considered as financial, investment, legal, or tax advice. Always consult with a professional financial advisor or attorney before making any significant financial decisions.

7.2 No Warranty

Fiat Lux Financial Planning makes no representations or warranties about the accuracy, completeness, or reliability of the information provided on the Site. We make no guarantee that the Site will be available at all times, or that the Site is free from errors or viruses.

8. Limitation of Liability

To the maximum extent permitted by law, Fiat Lux Financial Planning, its officers, directors, employees, or affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or services, including but not limited to lost profits, data loss, or business interruption, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold Fiat Lux Financial Planning harmless from any claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your infringement of any third-party rights.

10. Termination

We reserve the right to suspend or terminate your access to the Site at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, the Site, or our business.

11. Third-Party Links

Our Site may contain links to third-party websites or resources. We are not responsible for the content, privacy policies, or practices of these third-party sites. You acknowledge and agree that we are not liable for any damage or loss caused by your use of third-party websites.

12. Governing Law

These Terms and your use of the Site will be governed by and construed in accordance with the laws of [Your Country/State], without regard to its conflict of law principles. Any disputes arising from these Terms will be resolved exclusively in the courts of [Your Country/State].

13. Dispute Resolution

Any disputes, claims, or controversies arising out of or relating to these Terms or the use of the Site shall be resolved through binding arbitration, rather than in court. The arbitration shall be conducted in [Your Location] under the rules of the American Arbitration Association (AAA).

14. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in full force and effect.

15. Entire Agreement

These Terms, along with our Privacy Policy, Cookie Policy, and any other legal notices published on the Site, constitute the entire agreement between you and Fiat Lux Financial Planning regarding the use of the Site and services.

16. Contact Us

If you have any questions or concerns about these Terms and Conditions, please contact us:

• By submitting the contact form on our website
• By sending an email to [info@example.com]
• By calling our customer support line at +1 (307) 800-1307
• By texting us at +1 (307) 800-1307