Terms of Service | Chris Toffey Financial LLC

Please read these Terms of Service ("Terms") carefully before using the website or services of Chris Toffey Financial LLC ("Company," "we," "our," or "us"). By accessing or using our website at christoffeyfinancial.com, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

Chris Toffey Financial LLC provides financial planning, consulting, and related advisory services. The specific terms, scope, and fees for any engagement will be outlined in a separate written agreement between you and the Company.

3. Informational Purposes Only

The content on this website is provided for informational purposes only and does not constitute financial, investment, tax, legal, or other professional advice. Nothing on this website should be construed as a recommendation to buy, sell, or hold any financial product or security. Always consult with a qualified professional before making financial decisions.

4. No Client Relationship

Use of this website or submission of a contact form does not establish a client-advisor relationship between you and Chris Toffey Financial LLC. A client relationship is only established through a formal, signed engagement agreement.

5. User Responsibilities

When using our website, you agree to:

Provide accurate and truthful information in any communications
Use the website only for lawful purposes
Not attempt to gain unauthorized access to any part of the website
Not use the website in any way that could damage, disable, or impair its functionality
Not use automated tools to scrape, mine, or extract data from the website

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Chris Toffey Financial LLC or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. SMS/Text Message Terms

By providing your phone number and opting in to receive text messages from Chris Toffey Financial LLC:

You consent to receive informational and service-related text messages
Message frequency varies based on your interactions and service needs
Message and data rates may apply
You may opt out at any time by replying STOP
For assistance, reply HELP or email chris@christoffeyfinancial.com
Your phone number and opt-in consent will not be shared with third parties for marketing purposes
Consent to receive text messages is not required as a condition of purchasing any services
Compatible carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint

8. Limitation of Liability

To the fullest extent permitted by law, Chris Toffey Financial LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability for any claim arising under these Terms shall not exceed the amount you have paid to us in the twelve (12) months preceding the claim.

9. Disclaimer of Warranties

This website and its contents are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Indemnification

You agree to indemnify, defend, and hold harmless Chris Toffey Financial LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the website or violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Texas.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website after any modifications constitutes acceptance of the updated Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

14. Contact Information

If you have any questions about these Terms, please contact us:

Chris Toffey Financial LLC
Email: chris@christoffeyfinancial.com
Website: christoffeyfinancial.com