TERMS OF SERVICE

Effective Date: January 1, 2027

Last updated March 23, 2026

These Terms of Service (“Terms”) govern your access to and use of the website and services (the “Website”) provided by Cliff Jones Financial Strategies (“we,” “us,” or “our”). These Terms apply only to users located in the United States.

By accessing or using the Website or services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, do not use our Website or services.

1. ACCEPTANCE OF TERMS

By using the Website or services, you accept and agree to be bound by these Terms and all applicable policies referenced herein, including our Privacy Policy.

2. SMS Subscription & Opt-Out Instructions

2.1 SMS Description

Cliff Jones Financial Strategies provides financial consultation and strategy services. When you opt in to receive messages from us, you can expect to receive appointment confirmations, consultation updates, service-related notifications, and occasional informational messages related to our financial services.

2.1 Opt-Out Instructions

You can cancel the SMS service at any time. Just text "STOP" to 516-716-0551. After you send the SMS message "STOP" to us, we will send you a confirmation message that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, simply sign up as you did the first time and we will start sending SMS messages to you again.

2.2 Support & Help

If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected] or 516-716-0551.

2.3 Message Frequency

Message and data rates may apply for any messages sent to you from us and to us from you. You will receive 4 to 5 messages per month. If you have any questions about your text or data plan, it is best to contact your wireless provider.

2.4 Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

3. SERVICES PROVIDED

We provide Individual Tax Return, Business Taxes, Life Insurance, Financial Planning, IRS Representation and Back Taxes Filing. You agree to use the Website and services only for lawful purposes and in compliance with these Terms and applicable laws.

4. USER OBLIGATIONS AND RESTRICTIONS

You agree not to:

Use the Website for unlawful purposes
Harm, disrupt, or interfere with the Website or services
Violate applicable laws or third-party rights
Use automated systems without prior permission
Attempt unauthorized access to systems or data

5. CONTENT OWNERSHIP

All Website content is owned by Cliff Jones Financial Strategies or its licensors and protected by U.S. intellectual property laws. Unauthorized copying, modification, or distribution is prohibited.

6. THIRD-PARTY LINKS

The Website may contain links to third-party websites or services. We are not responsible for third-party content, privacy practices, or activities.

7. CHILDREN’S PRIVACY (COPPA)

By accessing or using this website and the services of Cliff Jones Financial Strategies, you confirm that you are at least 18 years old. Our services are intended only for adults, and we do not knowingly collect personal information from individuals under 18. If such information is identified, it will be removed. We reserve the right to restrict access or deny services if the age requirement is not met.

8. PRIVACY POLICY

Your use of the Website and services is governed by our Privacy Policy.

9. TERMINATION

We may suspend or terminate your access to the Website or services at any time if we believe you violated these Terms or engaged in harmful or unlawful conduct. Upon termination, you must stop using the Website and services.

10. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Cliff Jones Financial Strategies will not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use or inability to use the Website or services.

11. INDEMNIFICATION

You agree to indemnify and hold harmless Cliff Jones Financial Strategies, its employees, affiliates, and partners from claims, damages, liabilities, and expenses arising from your use of the Website or violation of these Terms.

12. GOVERNING LAW

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Any legal action shall be brought exclusively in the courts located in Kings County, New York.

13. CHANGES TO TERMS

We reserve the right to modify or update these Terms at any time. Changes will be posted with an updated Effective Date. Continued use of the Website or services constitutes acceptance of the updated Terms.