1. Introduction

    Welcome to The Finovation Company. These Terms and Conditions govern your use of our services and website. By accessing or using our services, you agree to be bound by these terms.

    2. Definitions

    • “Company,” “we,” “us,” or “our” refers to The Finovation Company
    • “Client,” “you,” or “your” refers to the user of our services
    • “Services” refers to all financial advisory and wealth management services offered

    3. Services

    3.1 Financial Advisory Services

    • Retirement Planning
    • Children’s Future Planning
    • Generational Wealth Building
    • Wealth Preservation Strategies
    • Business Partnerships & Collaborations

    3.2 Service Limitations

    We do not guarantee specific financial returns or outcomes. All investments carry risk.

    4. Client Responsibilities

    • Provide accurate and complete information
    • Keep account information confidential
    • Promptly notify us of any changes in financial circumstances
    • Review all documents and statements provided

    5. Privacy and Confidentiality

    We maintain strict confidentiality of client information in accordance with federal and state regulations, including:

    • Gramm-Leach-Bliley Act
    • SEC Privacy Rules
    • State privacy laws

    6. Fees and Payments

    • Fees will be clearly disclosed before service commencement
    • Payment terms will be specified in individual service agreements
    • We reserve the right to modify fees with notice

    7. Liability Limitations

    Our liability is limited to the extent permitted by applicable law. We are not liable for:

    • Market fluctuations
    • Force majeure events
    • Indirect or consequential damages

    8. Termination

    Either party may terminate services with written notice according to the service agreement terms.

    9. Intellectual Property

    All materials, methodologies, and advice provided remain our intellectual property.

    10. Compliance

    We comply with all applicable federal and state regulations, including:

    • Securities and Exchange Commission (SEC) regulations
    • Financial Industry Regulatory Authority (FINRA) rules
    • Department of Labor (DOL) requirements

    11. Dispute Resolution

    11.1 Governing Law

    These terms are governed by and construed in accordance with the laws of [Your State], United States.

    11.2 Jurisdiction

    Any disputes shall be resolved in the federal or state courts located in [Your State], United States.

    12. Amendments

    We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website.