Terms of Service

1. Acceptance of Terms

By accessing or using the website financial-works-usa.com ("Website") and the services provided by Financial Works USA ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Website or services.

2. Description of Services

Financial Works USA provides financial planning, investment management, tax strategy, retirement planning, insurance analysis, and business financial services. All services are provided by Steve Anderson and the Financial Works USA team from our base in Mississippi, USA.

3. No Financial Advice Disclaimer

The information provided on this Website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. The content on this Website should not be relied upon as a substitute for professional financial advice tailored to your individual circumstances. Always consult with a qualified financial professional before making any financial decisions.

4. User Responsibilities

By using our Website and services, you agree to:

• Provide accurate and complete information when contacting us or using our services
• Use our Website and services only for lawful purposes
• Not attempt to interfere with or disrupt the operation of our Website
• Not reproduce, distribute, or create derivative works from our Website content without permission
• Comply with all applicable local, state, and federal laws and regulations

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Financial Works USA:

• You consent to receive recurring text messages related to our financial services, appointment reminders, and service updates
• Message frequency varies based on your service engagement
• Message and data rates may apply depending on your mobile carrier plan
• You may opt out at any time by replying STOP to any text message
• For assistance, reply HELP or email steve@financial-works-usa.com
• SMS consent is not required as a condition of purchasing any services
• We will not share your opt-in information or phone number with third parties for promotional purposes
• Supported carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Coverage is not available in all areas

6. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Financial Works USA or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, modify, distribute, or republish any content without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, Financial Works USA shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our Website or services. Our total liability for any claims arising from or related to these Terms shall not exceed the amount paid by you, if any, for accessing our Website.

8. Indemnification

You agree to indemnify and hold harmless Financial Works USA, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of our Website or services, your violation of these Terms, or your violation of any rights of a third party.

9. Third-Party Links

Our Website may contain links to third-party websites or services that are not owned or controlled by Financial Works USA. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

10. Governing Law

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

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our Website. Your continued use of our Website after any modifications indicates your acceptance of the updated Terms. We encourage you to review this page periodically for any changes.

12. 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 the remaining Terms shall remain in full force and effect.

13. Contact Information

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