Terms & Conditions

Effective Date: October 30, 2026

These Terms & Conditions govern your use of the Financial Value Creation website. By using the website, you agree to these terms.

1. Website Purpose

The website provides general information about financial products and services and a way to request information or a consultation. Website content is not a substitute for individualized professional advice.

2. No Guarantee of Approval or Results

Submitting a form, requesting a quote, or scheduling a consultation does not guarantee approval, financing, insurance coverage, investment performance, savings, credit improvement, or any particular outcome. Availability and eligibility may depend on third-party providers, underwriting, market conditions, and applicable requirements.

3. Financial Information Disclaimer

Information presented on the website is general and may change. Investment-related information involves risk, and past performance is not a guarantee of future results. You should evaluate your circumstances and consult an appropriately qualified professional before making financial decisions.

4. User Responsibilities

You agree to provide accurate information, use the website lawfully, avoid attempting to disrupt or compromise the website, and not submit fraudulent, abusive, or misleading information.

5. Intellectual Property

Unless otherwise stated, website text, branding, graphics, layout, and original materials are owned by or licensed to Financial Value Creation. You may not reproduce, distribute, modify, or commercially exploit protected content without permission.

6. Third-Party Providers and Links

The website may reference or link to third-party financial institutions, insurers, lenders, service providers, or other websites. Third-party products and services are governed by their own terms, privacy policies, and eligibility requirements.

7. Communications

When you submit contact, consultation, or newsletter forms, you authorize us to use the submitted information to respond to your request. Marketing communications may be stopped through the unsubscribe process.

8. Availability and Changes

We may change, suspend, or discontinue website features or content at any time. We do not guarantee uninterrupted availability or that every page will remain current.

9. Limitation of Liability

To the extent permitted by applicable law, Financial Value Creation will not be liable for indirect, incidental, special, consequential, or reliance damages arising from use of the website or inability to use it.

10. Indemnification

You agree to indemnify and hold harmless Financial Value Creation and its service providers from claims arising from your unlawful use of the website or violation of these terms, to the extent permitted by law.

11. Governing Law

These terms are subject to applicable laws and regulations. Any legal provisions will be interpreted to the extent enforceable in the applicable jurisdiction.

12. Contact

Questions about these terms can be submitted through our Contact Us page.