Terms of Service

These Terms of Service outline the rules and regulations for using Velfling Financial’s website and services.

1. Acceptance of Terms

By accessing and using our website, you agree to comply with these Terms of Service. If you do not agree with any part of these terms, please refrain from using our services.

2. Services Provided

Velfling Financial offers financial planning and related services, including but not limited to retirement planning, tax strategies, portfolio risk management, and estate planning. Our approach often includes insurance-based products as part of our financial strategies; however, we do not provide licensed investment, tax, or legal advice. Any calculations or reports we generate, including those for Social Security estimates, Roth conversions, and tax planning, are intended solely as informational estimates and should not be construed as comprehensive, guaranteed, or as specific investment, tax, or legal advice. Please be aware that our service offerings may evolve over time, and we reserve the right to modify, suspend, or discontinue any services without prior notice.

3. Use of Services

You agree to use our services for lawful purposes only. You shall not engage in any conduct that violates applicable laws, infringes upon intellectual property rights, or otherwise harms others.

4. Client Responsibilities

To receive our services, you may be required to provide accurate, current, and complete personal and financial information. You agree to update this information promptly as needed to maintain its accuracy.

5. Limitation of Liability

Velfling Financial is not liable for any direct or indirect losses or damages arising from the use of our services. While we strive to offer accurate and high-quality guidance, financial outcomes depend on various factors beyond our control, and we cannot guarantee specific results.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or services of these external sites, and users access them at their own risk.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the intellectual property of Velfling Financial and is protected under applicable copyright laws. You may not reproduce, distribute, or use any content without our express written consent.

8. Termination of Services

We reserve the right to terminate or suspend access to our services at our discretion if we determine that you have violated these Terms of Service.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the state of Michigan, without regard to its conflict of law provisions.

10. Changes to Terms

Velfling Financial reserves the right to modify or update these Terms of Service at any time. Continued use of our website and services constitutes your acceptance of any changes.

Contact Us

If you have any questions regarding these Terms of Service, please contact us at [email protected].