Terms of Service
Terms of Service
Terms and Conditions
Effective Date: February 25, 2026
Welcome to FamilyGuard Financial Services (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website located at https://www.familyguardfinancialservices.com and any related services (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you should not use our Services.
You represent and warrant that you are at least 18 years of age. If you are under 18, you may not use the Services or submit information to us.
1. Modifications to Terms
We reserve the right to modify or update these Terms at any time. Changes will become effective upon posting to the website. Continued use of the Services after any updates constitutes acceptance of the revised Terms.
2. Description of Services
FamilyGuard Financial Services provides financial education, financial advisory services, retirement planning consultations, and related professional services.
Information provided on this website is for informational purposes only and should not be relied upon as specific financial, legal, tax, or investment advice. You should consult a qualified professional regarding your particular circumstances.
3. Communications and SMS Program (A2P 10DLC Compliance Section)
a. General Communications
By submitting your contact information through our website or other enrollment methods, you agree that we may contact you via email, phone call, and, where you have provided explicit consent, SMS/text message.
Communications may include:
Appointment confirmations and reminders
Webinar or event confirmations
Account notifications
Service-related communications
Limited promotional or marketing messages (only where consent has been provided)
Consent to receive SMS messages is not a condition of purchasing services.
b. SMS Consent and Enrollment
Users who voluntarily provide their mobile number and affirmatively opt in may be enrolled in our SMS communication program.
Opt-in may occur through:
Online forms with a separate unchecked consent checkbox
Event or consultation registration forms
Written agreements
Text-to-join methods
By opting in, you agree to receive SMS messages related to our services.
Message frequency varies based on user interaction.
Message and data rates may apply.
c. How to Opt Out
You may cancel the SMS service at any time by replying:
STOP – to unsubscribe
HELP – for assistance
After sending STOP, you may receive a final confirmation message confirming your removal from the program.
To rejoin, you must submit a new opt-in.
d. Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
Message delivery is subject to effective transmission by your carrier network and may be limited by factors outside our control.
4. Purchases and Payments
If you purchase services through the website, you may be asked to provide payment information including billing details and payment method information.
You represent that all payment information provided is accurate and authorized.
5. Accounts
If you create an account with us, you agree to provide accurate, current, and complete information.
We reserve the right to suspend or terminate accounts containing inaccurate or misleading information.
6. Acceptable Use
You agree not to use our Services:
For any unlawful purpose
To violate any applicable laws or regulations
To infringe upon the rights of others
To transmit harmful code or malicious software
To harvest personal data without consent
To interfere with the operation of the website
We reserve the right to terminate access for violations of these Terms.
7. Communication Services and User Content
If the website includes forums, communication features, or user submissions, you agree not to post or transmit content that is:
Defamatory
Harassing
Fraudulent
Infringing
Obscene or unlawful
Misleading or deceptive
We reserve the right to remove content and restrict access at our discretion.
8. Intellectual Property
All website content, including text, graphics, logos, videos, downloadable materials, and design elements, are the property of FamilyGuard Financial Services unless otherwise stated.
No content may be copied, reproduced, or distributed without prior written permission.
All trademarks, service marks, and logos are the property of their respective owners.
9. Links to Third-Party Websites
Our website may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites.
The inclusion of any link does not imply endorsement.
10. Disclaimer of Warranties
The Services are provided on an “AS IS” and “AS AVAILABLE” basis.
We make no warranties, express or implied, regarding:
Accuracy
Reliability
Availability
Fitness for a particular purpose
Non-infringement
Financial market information may change without notice. Past performance does not guarantee future results.
11. Limitation of Liability
To the maximum extent permitted by law, FamilyGuard Financial Services shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including but not limited to:
Loss of profits
Loss of data
Business interruption
Investment losses
If you are dissatisfied with the Services or these Terms, your sole remedy is to discontinue use of the website.
Some jurisdictions do not allow certain exclusions or limitations. In such cases, limitations apply to the fullest extent permitted by law.
12. Indemnification
You agree to defend, indemnify, and hold harmless FamilyGuard Financial Services, its officers, directors, employees, contractors, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:
Your use of the Services
Your violation of these Terms
Your infringement of any rights of a third party
13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Delaware, without regard to conflict of law principles.
14. Termination
We may suspend or terminate your access to the Services at any time for violation of these Terms or for any reason within our discretion.
15. Changes to Terms
We reserve the right to update these Terms at any time. Updated versions will be posted with a revised effective date.
16. Contact Information
If you have any questions about these Terms and Conditions, please contact:
FamilyGuard Financial Services
Email:tom.avellino@family-guardfinancial.com
Phone: 732-600-1642
Website: https://www.familyguardfinancialservices.com
Mailing Address: 8 The Green Suite B, Dover, DE, 19901