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Mark Ramsay Financial

Terms of Service

Last updated: January 1, 2025

1. Acceptance of Terms

By accessing or using the Mark Ramsay Financial website (mark-ramsay-financial.com) and related services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.

2. Description of Services

Mark Ramsay Financial provides financial planning, investment management, retirement planning, estate planning, tax strategy, and related financial advisory services. The information provided on this website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice.

3. No Financial Advice Disclaimer

The content on this website is provided for informational purposes only and should not be construed as personalized financial advice. Any investment decisions should be made in consultation with a qualified financial professional who understands your individual circumstances. Past performance does not guarantee future results. All investments carry risk, including the potential loss of principal.

4. Use of Website

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

  • Use the website in any way that violates applicable local, state, or federal law
  • Attempt to gain unauthorized access to any portion of the website or its systems
  • Use the website to transmit any malicious software or harmful code
  • Interfere with or disrupt the website or its servers
  • Collect or harvest personal information from the website without authorization

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Mark Ramsay Financial, you agree to the following:

  • You consent to receive text messages from Mark Ramsay Financial at the phone number you provide.
  • Messages may include appointment reminders, service updates, and responses to your inquiries.
  • Message frequency varies based on your engagement.
  • Message and data rates may apply. Contact your mobile carrier for details about your plan.
  • You may opt out at any time by replying STOP to any message. You will receive a confirmation of your opt-out.
  • For assistance, reply HELP or email mark@mark-ramsay-financial.com.
  • SMS opt-in data and consent will not be shared with or sold to third parties for marketing purposes.
  • Consent to receive text messages is not required as a condition of purchasing services.
  • Supported carriers include, but are not limited to, AT&T, Verizon, T-Mobile, and Sprint. Carriers are not liable for delayed or undelivered messages.

6. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Mark Ramsay Financial and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

7. Privacy

Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our website, you consent to the practices described in the Privacy Policy.

8. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of any third-party sites. Accessing third-party links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Mark Ramsay Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our website or services. This includes, without limitation, damages for lost profits, data loss, or business interruption.

10. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Indemnification

You agree to indemnify and hold harmless Mark Ramsay Financial from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the website, violation of these Terms, or infringement of any third-party rights.

12. Governing Law

These Terms of Service are 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 or your use of the website shall be resolved in the courts of the State of Texas.

13. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after any modifications constitutes your acceptance of the revised terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Contact Information

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

Mark Ramsay Financial

Email: mark@mark-ramsay-financial.com

Texas