Build Wealth.
Secure Your Future

1. Agreement to Terms

By accessing or using any service provided by Financial Safety Net 4u Financial Group ("the Firm," "we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These Terms constitute a legally enforceable agreement between you and the Firm under United States law. If you do not agree to any provision, you must immediately discontinue use and formally close your account by contacting client services.

2. Eligibility & Capacity (USA Residents)

You must be at least 18 years of age and possess the legal capacity to contract under applicable state law. For business or trust accounts, the individual opening the account must have explicit authority to bind the entity. The Firm reserves the right to verify identity, legal standing, and residency through government-issued identification, SSN/TIN validation, and credit bureau checks as permitted by the USA PATRIOT Act, Bank Secrecy Act, and FINRA Rule 2090. Non-USA residents may be subject to additional KYC requirements and service limitations.

3. Registration & Information Accuracy (KYC Compliance)

Registration requires you to provide complete and accurate information including: full legal name, date of birth, residential address, Social Security Number or Taxpayer Identification Number (TIN), government-issued ID number, employment status, annual income, net worth, investment objectives, and risk tolerance. Under SEC Rule 17a-3 and FINRA Rule 4512, you must update this information within 30 days of any material change. Knowingly providing false, misleading, or incomplete information constitutes a material breach and may result in immediate account termination, regulatory reporting, and civil or criminal penalties under 18 U.S.C. § 1001 (false statements).

4. Credential Security & Unauthorized Access

You are solely responsible for safeguarding your login credentials, API keys, 2FA codes, and any other access mechanisms. Sharing credentials is strictly prohibited and voids certain liability protections. Under Electronic Signatures in Global and National Commerce Act (E-SIGN), actions taken with your credentials are legally attributable to you. You must notify us immediately of any unauthorized access, credential compromise, or suspicious activity via the secure portal or by calling +1 (603) 312-0256. Delayed notification may limit your recourse under Regulation E (12 CFR Part 1005) for unauthorized electronic fund transfers.

5. Scope of Financial Services (USA Regulated)

The Firm provides the following services subject to applicable federal and state licenses:

• Lending Products: Residential mortgages (regulated by CFPB, RESPA, TILA), home equity loans, personal loans, auto loans, student loan refinancing, small business loans (SBA 7(a), 504), and debt consolidation. Loan approval requires underwriting per Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA).
• Insurance Brokerage: Auto, home, renters, life (term, whole, universal), health (ACA-compliant plans, Medicare supplements), disability, long-term care, business liability, professional indemnity, cyber liability, pet, and travel insurance. All policies are underwritten by state-licensed carriers.
• Investment Advisory (SEC Registered): Discretionary and non-discretionary portfolio management, retirement planning (IRA, 401k rollovers, Roth conversions), 529 education plans, taxable brokerage accounts, ESG/socially responsible investing, and alternative investments. Advisory services are provided pursuant to Form ADV Part 2 disclosure. Registration with SEC or applicable state securities division.
• Wealth Management: Estate planning (wills, trusts, beneficiary designations), tax optimization (federal, state, local), charitable giving strategies, generational wealth transfer, concentrated stock management, executive compensation planning (ISOs, NQSOs, RSUs).
• Digital Payments & Banking: FDIC-insured deposit accounts (up to $250,000 per depositor), wire transfers (domestic/international), ACH processing, bill pay, debit cards (Visa/Mastercard network), peer-to-peer transfers, merchant payment gateway. Services subject to Regulation D (savings withdrawal limits) and Regulation CC (funds availability).
• Debt Relief & Credit Counseling: Debt management plans, negotiation with creditors, bankruptcy counseling (Chapter 7, 11, 13), credit report review and dispute assistance. Services provided in compliance with Telemarketing Sales Rule (TSR) and state debt adjusting statutes.
• Home & Auto Warranty: Service contracts for appliances, HVAC, electrical, plumbing, roof leaks, and vehicle mechanical breakdown. Not insurance; regulated by state warranty laws.

6. Service Modifications & Discontinuation

The Firm reserves the right to modify, suspend, or discontinue any service or feature, in whole or in part, at any time. For material changes that adversely affect you, we will provide 30 days advance written notice via email and account portal notification. Changes required by law or to address security, fraud, or regulatory compliance may be implemented immediately without prior notice. Upon discontinuation of a core service, you may terminate your relationship without penalty within 60 days.

7. Acceptable Use & Platform Conduct

You agree to use the Firm's platform and services only for lawful purposes consistent with these Terms. Prohibited conduct includes: reverse engineering, scraping, or automated access (bots) without written permission; attempting to bypass security measures or rate limits; interfering with infrastructure availability; impersonating any person or entity; submitting false or misleading information; transmitting malware or harmful code; engaging in market manipulation, wash trading, or spoofing; violating sanctions administered by OFAC (Office of Foreign Assets Control).

8. Prohibited Financial Activities (USA AML/CFT)

The Firm strictly prohibits use of its services for any illegal activity, including but not limited to: money laundering (18 U.S.C. § 1956, 1957); terrorist financing (18 U.S.C. § 2339B); fraud (wire, bank, securities, mail); insider trading (SEC Rule 10b-5); unlicensed money transmission; structuring transactions to evade reporting requirements (31 U.S.C. § 5324); operating unregistered securities offerings; gambling where prohibited; or transacting with Specially Designated Nationals (SDN List). Violations will result in immediate termination, account seizure, suspicious activity report (SAR) to FinCEN, and referral to law enforcement.

9. Intellectual Property Rights

All content, including but not limited to: proprietary algorithms, research reports, market data, software code, user interfaces, trademarks ("Financial Safety Net 4u," logo), trade dress, and databases are the exclusive property of the Firm or its licensors and protected by U.S. Copyright Act (17 U.S.C. § 101 et seq.), Lanham Act trademark law, and trade secret laws. You receive a limited, non-exclusive, non-transferable, revocable license to access content for personal, non-commercial use. Any reproduction, redistribution, or commercial exploitation is strictly prohibited.

10. Investment & Advisory Disclaimer

All content provided — including research, market commentary, model portfolios, and risk assessments — is for educational and informational purposes only and does not constitute personalized investment, legal, or tax advice. Different investors have different risk profiles, time horizons, and financial goals. Past performance is not indicative of future results. Investments involve risk including possible loss of principal. You should consult your own qualified professional before making any financial decision. The Firm does not guarantee any specific outcome or rate of return.

11. Accepted Payment Methods

We accept: ACH transfer (free, 3–5 business days); wire transfer (same-day subject to cutoffs); Visa, Mastercard, American Express, Discover (subject to interchange fees); digital wallets (Apple Pay, Google Pay, PayPal); certified check or money order (mail only); securities transfer (ACATS). For loan payments: auto-debit (ACH), check, or online bill pay. Cash payments are not accepted except in-person at designated branches with appointment.

12. Fee Transparency (SEC/FINRA/CFPB Disclosure)

All fees are disclosed in writing before you are obligated to pay, typically via fee schedule, loan estimate (TILA/RESPA Integrated Disclosure), Form CRS (Client Relationship Summary), or advisory agreement. Fee types include: Advisory fees (AUM: 0.25%–1.5% annually, billed quarterly); Loan origination (0.5%–5% of principal, disclosed on Loan Estimate); Insurance premiums (carrier rates plus service fee, 0%–8%); Transaction fees ($0–$25 per trade); Subscription fees for premium research ($9.99–$99/month); Consultation fees (flat hourly rate for planning). No hidden fees.

13. Pricing Changes & Notice

The Firm may adjust fee schedules for ongoing services (e.g., advisory AUM fees, subscription rates) with 60 calendar days written notice. Fee changes for fixed-term contracts (e.g., specific loan origination, insurance policy term) will not take effect until renewal. If you do not accept a fee increase, you may terminate the service without early termination penalty within 30 days of the effective date.

14. Payment Processing & Settlement Times

Standard processing: ACH credits/debits (3–5 business days); wire transfers (same-day if initiated before 2pm ET); checks (7–10 business days for clearance); card payments (1–3 business days to post). Loan disbursements: 5–10 business days after closing documents signed. Insurance premium payments: carrier confirmation within 2 business days. The Firm is not liable for delays caused by intermediary banks, payment networks, or Federal Reserve system outages.

15. Late Payments & Default Consequences

For loan and credit products, if a scheduled payment is 15+ days overdue, a late fee of the lesser of: 1.5% per month (18% APR) or the maximum permitted by state law. After 30 days delinquency: negative credit reporting to Experian, Equifax, TransUnion. After 60 days: acceleration of loan balance, suspension of further disbursements, restriction of additional services. After 90 days: referral to collections agency (costs added to balance), legal action may be commenced in courts of competent jurisdiction.

16. Refund Policy (By Service Type)

Advisory fees: Non-refundable after services commence, except where our error or failure to perform is established. Insurance: Follows carrier refund schedule; typically pro-rata for cancellations after free-look period (10–30 days). Subscriptions: Prorated refund within first 7 days; after 7 days, remainder non-refundable but access continues until term end. Loan origination: Non-refundable after underwriting begins; however, if loan does not close due to Firm's error, origination fees refunded. Debit card errors: Governed by Regulation E dispute timeline (10-day provisional credit).

17. Tax Obligations & Reporting

You are solely responsible for reporting and paying all applicable federal, state, and local taxes arising from your use of services, including but not limited to: capital gains tax, interest income tax, dividend tax, and any transaction-based taxes. The Firm will issue required tax forms: 1099-INT (interest over $10), 1099-DIV (dividends over $10), 1099-B (proceeds from broker transactions), 1099-MISC/NEC (non-employee compensation over $600), and 5498 (IRA contributions). We do not provide individualized tax advice.

18. Currency & Foreign Exchange

All transactions default to United States Dollars (USD). For international wire transfers or foreign securities, exchange rates are determined by our partner banks plus a spread of 0.5%–2%. The Firm is not liable for currency fluctuations between trade execution and settlement. For accounts denominated in foreign currency, reporting to IRS is in USD equivalent using official exchange rates.

19. Limitation of Liability (Maximum Extent Permitted by Law)

To the fullest extent permitted by applicable law, the Firm, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to: lost profits, lost data, trading losses, reputational harm, or opportunity costs, regardless of the legal theory (contract, tort, negligence, strict liability) and even if advised of the possibility of such damages.

20. Investment Risk Acknowledgment (SEC Mandate)

You acknowledge and accept that all investments carry inherent risk, including the potential for complete loss of principal. No guarantee of performance is made, expressed or implied. Specific risks include: market risk (broad economic downturns), interest rate risk (bond prices), credit risk (issuer default), liquidity risk (inability to sell), concentration risk, leverage risk, counterparty risk, operational risk, and regulatory risk. Past simulated or actual performance does not guarantee future results. You should only invest risk capital.

21. Third-Party Provider Disclaimer

The Firm may utilize third-party service providers for: custody (qualified custodians under SEC Rule 206(4)-2), clearing and settlement (NSCC/DTC), market data feeds, order routing, payment processing, cloud infrastructure, and identity verification. The Firm is not liable for the acts, omissions, insolvency, or failures of any third-party provider, except where such failure directly results from our gross negligence or willful misconduct.

22. Indemnification Obligation

You agree to indemnify, defend, and hold harmless the Firm and its affiliates from and against any and all claims, losses, damages, liabilities, settlements, costs, and expenses (including reasonable attorneys' fees and expert witness fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any law, regulation, or third-party right; (c) your misuse of the platform; (d) any false or misleading information you provide; (e) any unauthorized access using your credentials.

23. Force Majeure

The Firm shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, cyberattacks (DDOS, ransomware), pandemic, government orders, exchange or market closures, failure of telecommunications or power infrastructure, banking system disruptions, or Federal Reserve outages.

24. Aggregate Liability Cap

In any claim arising from these Terms or services provided, the Firm's total aggregate liability to you shall not exceed the lesser of: (a) the total fees paid by you to the Firm in the twelve (12) months preceding the event giving rise to the claim, or (b) $100,000 USD. This cap applies regardless of the number of claims or legal theories asserted.

25. Data Breach Notification & Mitigation (State Laws Compliance)

In the event of a security breach that results in unauthorized access to your non-public personal information (NPI), the Firm will notify you without unreasonable delay but in no event later than 72 hours after discovery, as required by applicable state data breach laws (e.g., NY SHIELD Act, CCPA, GLBA). We will provide: description of breach, types of data affected, our response actions, and recommended steps for you. At our discretion, we may offer 12–24 months of credit monitoring and identity theft restoration services at no cost. The Firm is not liable for breaches caused by your failure to safeguard your own credentials.

26. Account Cancellation by User

You may cancel your account at any time by providing 30 days written notice via secure portal message or certified mail to our compliance address. During the 30-day wind-down period, the Firm will facilitate transfer of assets, settlement of open positions, and final billing. No cancellation fee applies for standard advisory or deposit accounts. Early termination of fixed-term loans may incur prepayment penalties as disclosed in the note.

27. Loan Cancellation & Rescission Rights

For residential mortgage loans, you have the right to rescind (cancel) the transaction within 3 business days after closing (Truth in Lending Act § 1635). For other consumer loans, cancellation is permitted without penalty until disbursement; after disbursement, early repayment is allowed subject to any disclosed prepayment terms. Business loans cannot be rescinded except as provided by contract.

28. Insurance Policy Cancellation

Cancellation of insurance policies follows carrier rules and state regulations. Typically, you may cancel at any time; refunds may be pro-rata or short-rate depending on policy terms. For health insurance under ACA, cancellation is limited to open enrollment or qualifying life events unless through employer-sponsored plan. The Firm will facilitate cancellation requests within 5 business days but is not the insurer.

29. Firm Termination for Cause

The Firm may immediately suspend or terminate your access, without prior notice, if: (a) you materially breach these Terms (including but not limited to false information, prohibited activities); (b) we are required by law, court order, or regulatory directive (SEC, FINRA, CFPB, OCC, state regulator); (c) your account is delinquent 60+ days; (d) you pose a security or fraud risk; (e) you file for bankruptcy or become insolvent. Termination for cause does not waive any claims the Firm may have against you.

30. Treatment of Holdings Upon Termination

Upon termination, the Firm does not automatically liquidate your holdings. You will have the following options: (a) Transfer assets in-kind to another qualified custodian (ACATS transfer, no fee); (b) Liquidate assets and remit proceeds via check or wire (fees may apply); (c) For advisory accounts only, maintain holdings with limited "hold only" management (no trading) for up to 90 days while you arrange transfer. Outstanding loan balances remain due per original terms.

31. Data Retention After Cancellation

After account closure, the Firm retains your non-public personal information (NPI) and transaction records for a minimum of 7 years as required by SEC Rule 17a-4 (records retention) and FINRA Rule 4511. You may request export of your data in portable format (CSV/PDF) within 30 days of closure. Certain compliance-related records may be retained indefinitely. After 7 years, data is either anonymized or securely destroyed.

32. Dispute Resolution — Mandatory Arbitration (USA)

PLEASE READ CAREFULLY — THIS AFFECTS YOUR LEGAL RIGHTS. Any dispute, claim, or controversy arising out of or relating to these Terms, your use of services, or any transaction (including but not limited to claims based on contract, tort, fraud, statute, or regulation) shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (for disputes with individuals) or Commercial Arbitration Rules (for business disputes). The arbitration will be held in USA before a single arbitrator. Each party will bear its own attorneys' fees, costs, and expenses. The arbitrator may award any relief that a court of competent jurisdiction could award. Judgment on the award may be entered in any court having jurisdiction. YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

33. Governing Law & Venue (United States)

These Terms and any non-arbitral disputes (including but not limited to injunctive relief, enforcement of arbitration award, or matters excepted from arbitration) shall be governed by and construed in accordance with the laws of USA without regard to conflict of laws principles, and applicable United States federal law (including the Securities Exchange Act of 1934, Investment Advisers Act of 1940, and Consumer Financial Protection Act). Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in USA . You irrevocably consent to personal jurisdiction and venue in those courts and waive any objection based on forum non conveniens.

34. Amendments to Terms (USA Notice Requirements)

The Firm reserves the right to amend these Terms at any time. For material changes that affect your rights or obligations, we will provide 30 calendar days advance written notice via email to your registered address and via your account dashboard. Changes required by law, regulation, or for security/risk management may be implemented with less notice but will be communicated as promptly as possible. Your continued use of our services after the effective date constitutes acceptance of the amended Terms. If you do not agree, you must cancel your account before the effective date.

35. Severability & Reformation

If any provision of these Terms is found to be unenforceable, invalid, or illegal by a court or arbitrator of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable while preserving the intent. If modification is not possible, the offending provision shall be severed, and the remaining provisions shall continue in full force and effect.

36. No Waiver of Rights

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized officer of the Firm. A waiver of any right on one occasion does not waive that right on any other occasion.

37. Entire Agreement & Interpretation

These Terms, together with any applicable account agreements, fee schedules, loan notes, advisory contracts, and privacy policies, constitute the entire agreement between you and the Firm regarding its subject matter and supersede all prior or contemporaneous communications, representations, or agreements, whether written or oral. Section headings are for convenience only and do not affect interpretation.

38. Legal Contact & Notices (USA)

All legal notices, requests for dispute resolution, or formal communications must be sent in writing to:

Financial Safety Net 4u Legal Department
30R Brook Ave, Roxbury, MA 02119, USA
Email: legal@financialsafetynet4u.com
Phone: +1 (603) 312-0256 (Option 5 for Legal)
Hours: Monday–Friday, 9:00 AM – 5:00 PM Eastern Time

Effective Date: January 1, 2026.