Acceptance of These Terms
Fullerton Financial Planning ("FFP," the "Company," "we," "us," or "our") operates fullertonfp.com (the "Site") to provide information about our services and related features (the "Service"). These Terms of Use (the "Terms") are a legally binding agreement between you and the Company governing your access to and use of the Site. By accessing or using the Site, you agree to be bound by these Terms and by all applicable laws and regulations. If you do not agree with any part of these Terms, you are not authorized to access or use the Site.
If you are or become a client of the Company or its affiliates, these Terms supplement — and do not replace — any client agreement between you and the applicable Fullerton company. In the event of a conflict, your client agreement controls with respect to the services it covers.
Informational Purposes Only; No Advice
The content of the Site — including all text, statistics, illustrations, videos, and other materials (the "Content") — is provided for general informational and educational purposes only. Nothing on the Site constitutes individualized investment, legal, tax, insurance, or financial advice, and no Content should be relied upon as a recommendation of any security, strategy, insurance product, or course of action. Investment advisory services are offered only through Kingdom Financial Group, LLC ("KFG"), an SEC-registered investment adviser, pursuant to a written advisory agreement. Insurance products and services are provided by FFP. Tax services are offered through Fullerton Tax Services, LLC. Please note that FFP and KFG do not give legal or tax advice. You should consult your own financial, tax, or legal professional regarding your individual situation before acting on anything you read on the Site.
No Offer or Solicitation
Nothing on the Site constitutes an offer to sell, or a solicitation of an offer to buy, any security, insurance product, or other financial instrument, and nothing on the Site constitutes an offer to provide advisory services, in any jurisdiction in which such offer, solicitation, or provision would be unlawful or in which the Company or its affiliates are not appropriately registered, licensed, or otherwise authorized to act. The information on the Site is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject the Company to any registration requirement in that jurisdiction.
United States Use Only
The Site is intended for use by residents of the United States. We make no representation that the Site or its Content is appropriate or available for use in other locations. If you access the Site from outside the United States, you do so on your own initiative and at your own risk.
Intellectual Property and Limited License
The Site and all Content belong to the Company, its affiliates, licensors, or other third parties, and are protected by United States and international copyright, trademark, and other intellectual property laws. Content provided by third parties is used on the Site with their permission.
You are granted a limited, revocable, non-exclusive, non-transferable license to view the Site and to download or print portions of the Content solely for your personal, non-commercial use, provided that you do not:
- Copy, post, transmit, distribute, publish, broadcast, sell, license, or create derivative works from the Content, in any medium, without our express written consent;
- Modify or alter the Content, or remove or change any copyright, trademark, or other proprietary notice;
- Use the Content in connection with creating, promoting, trading, or marketing financial instruments or products.
No right, title, or interest in any Content is transferred to you by downloading, printing, or otherwise copying it. You may not use any trademark, service mark, or logo appearing on the Site without the express written consent of its owner. All rights not expressly granted are reserved.
Acceptable Use
You agree not to:
- Take any action that interferes with the proper working of the Site, imposes an unreasonable or disproportionately large load on the Site's infrastructure, or might compromise the security of the Site or render it inaccessible to others;
- Use any robot, spider, scraper, or other automated means to access the Site or harvest information from it, including the harvesting of contact information for unsolicited communications;
- Attempt to gain unauthorized access to any portion of the Site, or to any systems or networks connected to the Site;
- Submit false, misleading, or unlawful information through the Site's forms, or submit information about another person without a good-faith basis and, where required, their consent;
- Use the Site for any unlawful purpose or in violation of these Terms.
Forms and Communications
The Site's forms exist so that you can request a meeting, ask a question, or refer someone you know. Submissions through Site forms are governed by our Privacy Policy, including your consent to be contacted at the contact points you provide. Communications submitted through the Site do not create an advisory, insurance, tax, fiduciary, or attorney-client relationship. Please do not submit account numbers, Social Security numbers, or other sensitive financial information through Site forms; if you need to send us documents securely, use the secure file transfer resource in our Client Center or contact us for instructions.
Third-Party Websites and Content
The Site contains links to websites operated by third parties, including our client portal and secure file transfer providers. Such links are provided for convenience only. Hypertext links to third-party websites do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party website, or the information contained there. The Company is not responsible for the availability, content, accuracy, or privacy practices of any third-party website, and your use of third-party websites is governed by their own terms and policies. You need to make your own decisions regarding your interactions or communications with any other website.
Disclaimer of Warranties
The Site, the Service, and all Content are provided on an "as is" and "as available" basis, without warranties of any kind. To the fullest extent permitted by law, the Company expressly disclaims all warranties, express, implied, statutory, or otherwise — including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement — with respect to the Site, the Service, and the Content (including third-party information). The Company does not warrant that the Site will be uninterrupted, timely, secure, or error-free; that defects will be corrected; or that the Content is accurate, complete, or current. It is solely your responsibility to evaluate the accuracy, completeness, and usefulness of all information provided on the Site. By granting you access to the Site, the Company does not obligate itself to maintain the Site or to maintain it in its present form, and we expressly reserve the right to modify, suspend, or terminate the Site or your access to it at any time, in our sole discretion, without notice.
Limitation of Liability
To the fullest extent permitted by law, under no circumstances will the Company or its affiliates, or their respective principals, employees, or agents, be liable for any damages of any kind arising out of or relating to your use of, or inability to use, the Site, the Service, or the Content — including direct, indirect, incidental, consequential, exemplary, or special damages; damages for loss of profits, business interruption, or loss of data or other information; claims attributable to errors, omissions, or other inaccuracies in the Content; unauthorized access to or alteration of your transmissions or data; or statements or conduct of any third party on the Site — even if the Company has been advised of the possibility of such damages. If you are dissatisfied with the Site, any Content, or these Terms, your sole and exclusive remedy is to discontinue using the Site. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you; in such states, the Company's liability is limited, and warranties are excluded, to the greatest extent permitted by law.
Indemnification
You agree to indemnify, defend, and hold harmless the Company and its affiliates, and their respective principals, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your misuse of the Site, or your violation of any law or the rights of any third party in connection with your use of the Site.
Copyright Complaints
We respect the intellectual property rights of others. If you believe in good faith that material on the Site infringes a copyright you own, please send a written notification containing the information described in Section 512(c)(3) of the Digital Millennium Copyright Act to us using the contact information at the bottom of this page, with the subject line "DMCA Notice." We will review and respond to compliant notices and, where appropriate, remove or disable access to the identified material.
Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and share information through the Site and is incorporated into these Terms by reference.
Changes to These Terms
The Company reserves the right to modify these Terms at any time. Updates are effective when posted, and the "Last updated" date at the top of this page reflects the most recent revision. Your use of the Site following any modification constitutes your agreement to be bound by the Terms as modified. We encourage you to review these Terms whenever you use the Site.
Governing Law; Venue
These Terms are governed by, and will be interpreted in accordance with, the laws of the State of Arizona, without regard to its conflict-of-laws provisions. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Maricopa County, Arizona, for any dispute relating to these Terms, the Privacy Policy, the Site, the Service, or the Content, and you waive any objection to venue in those courts.
General Provisions
- Entire agreement. These Terms, together with the Privacy Policy and any other policies posted on the Site, constitute the entire agreement between you and the Company with respect to your use of the Site, and supersede all previous written or oral agreements with respect to that subject matter.
- Severability. If any part of these Terms is determined to be invalid or unenforceable, that part will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect.
- No waiver. No waiver by the Company of any breach or default under these Terms is a waiver of any preceding or subsequent breach or default.
- Corrections. The Content may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct errors and to change or update Content at any time without prior notice, but we do not guarantee that any errors will be corrected.