Terms of Service

Agreement to Terms

By accessing or using the Premium Financial website (premiumfinanc.com) and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our website or use our services. These terms apply to all visitors, users, and others who access or use our services.

Services Description

Premium Financial provides financial advisory, wealth management, retirement planning, business consulting, tax optimization, estate planning, and related financial services. The information provided on our website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. All financial decisions should be made in consultation with qualified professionals who understand your individual circumstances.

Use of Our Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates applicable federal, state, local, or international law
• Attempt to gain unauthorized access to any portion of the website or any systems or networks connected to the website
• Use any robot, spider, or other automatic device to access the website for any purpose
• Introduce any viruses, Trojan horses, worms, or other material that is malicious or technologically harmful
• Reproduce, distribute, or create derivative works from website content without our express written permission

SMS/Text Messaging Terms

By opting in to receive text messages from Premium Financial, you agree to the following:

• You consent to receive recurring text messages from Premium Financial regarding our services, appointment reminders, and related communications
• Message frequency may vary based on your interactions with us
• Message and data rates may apply depending on your mobile carrier and plan
• Text STOP at any time to opt out of receiving messages
• Text HELP for assistance or contact michael@premiumfinanc.com
• Your consent to receive text messages is not a condition of purchasing any goods or services
• We will not share your opt-in information or phone number with third parties for marketing purposes

Supported carriers include but are not limited to AT&T, Verizon, T-Mobile, and Sprint. Service may not be available on all carriers or in all areas.

Intellectual Property

The website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, and the design, selection, and arrangement thereof) are owned by Premium Financial, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, and other intellectual property laws.

Disclaimer of Warranties

THE WEBSITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. PREMIUM FINANCIAL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.

Limitation of Liability

IN NO EVENT SHALL PREMIUM FINANCIAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE OR SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEBSITE DURING THE SIX (6) MONTHS PRIOR TO THE CLAIM.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any legal action or proceeding arising out of these Terms shall be brought exclusively in the state or federal courts located in Arizona.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the website after any changes constitutes acceptance of the new Terms.

Contact Us

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