Terms & Conditions
Effective Date: March 31, 2026
Welcome to Chris Toffey Financial Llc. By accessing our website or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully.
1. Acceptance of Terms
By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, as well as our Privacy Policy. If you do not agree to these terms, please do not use our services.
2. Services Provided
Chris Toffey Financial Llc provides financial planning, investment advisory, and wealth management services. The information on this website is for informational purposes only and does not constitute financial advice. You should consult with a qualified financial professional before making any financial decisions.
No Guarantee of Results
We do not guarantee specific financial outcomes or investment returns. Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.
3. Eligibility
You must be at least 18 years old to use our services. By using this website, you represent that you meet this age requirement and have the legal capacity to enter into these Terms & Conditions.
4. User Responsibilities
You agree to:
- Provide accurate and complete information when requested
- Maintain the confidentiality of any account credentials
- Notify us immediately of any unauthorized use of your account
- Use our services only for lawful purposes
- Not interfere with the proper functioning of our website
5. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Chris Toffey Financial Llc or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on this website without our express written permission.
6. SMS & Text Message Terms
SMS Communication Consent
If you opt in to receive text messages from Chris Toffey Financial Llc by checking the SMS opt-in box on our contact form, you agree to the following terms:
Message Program
You will receive recurring marketing and promotional SMS/MMS messages from Chris Toffey Financial Llc about our financial products, services, updates, and offers. Messages may be sent using an automated telephone dialing system (ATDS).
Frequency and Charges
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply depending on your mobile carrier's plan. We do not charge for our text messages, but your carrier's standard messaging rates apply.
Opt-Out Instructions
You may opt out of receiving SMS messages at any time by:
- Replying STOP to any message
- Contacting us at chris@christoffeyfinancial.com
After opting out, you will receive one final confirmation message, and no further messages will be sent.
Help and Support
For help or questions about our SMS program, reply HELP to any message or contact us at chris@christoffeyfinancial.com.
Supported Carriers
Our SMS program is supported by major carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery and carrier charges may vary.
Not a Condition of Purchase
Consent to receive SMS messages is NOT a condition of purchase or use of our services. You may decline to opt in or opt out at any time without affecting your access to our financial services.
Privacy
Your mobile phone number and SMS consent information will not be shared with third parties for their marketing purposes. For more information on how we handle your data, please review our Privacy Policy.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. We encourage you to review their terms and conditions before providing any information.
8. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that:
- Our services will be uninterrupted, timely, secure, or error-free
- The information provided will be accurate, complete, or current
- Any defects or errors will be corrected
9. Limitation of Liability
To the fullest extent permitted by law, Chris Toffey Financial Llc shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or business opportunities, arising out of or related to your use of our services.
10. Indemnification
You agree to indemnify, defend, and hold harmless Chris Toffey Financial Llc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of our services or violation of these Terms & Conditions.
11. Modifications to Terms
We reserve the right to modify these Terms & Conditions at any time. Any changes will be posted on this page with an updated effective date. Your continued use of our services after such modifications constitutes your acceptance of the updated terms.
12. Termination
We may suspend or terminate your access to our services at any time, with or without cause or notice, if we believe you have violated these Terms & Conditions or for any other reason at our sole discretion.
13. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts located in Texas.
14. Severability
If any provision of these Terms & Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
15. Entire Agreement
These Terms & Conditions, together with our Privacy Policy, constitute the entire agreement between you and Chris Toffey Financial Llc regarding the use of our website and services.
16. Contact Us
If you have any questions about these Terms & Conditions, please contact us:
Chris Toffey Financial Llc
Fort Worth, Texas
Email: chris@christoffeyfinancial.com