Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your use of the TrussPoint Financial website (trusspointfinancial.com) and any services provided by TrussPoint Financial ("Company," "we," "our," or "us"). By accessing or using our website and services, you agree to be bound by these Terms.

If you do not agree with any part of these Terms, you may not access our website or use our services.

Services Provided

TrussPoint Financial provides financial planning services to individuals and families in Texas. Our services may include:

• Comprehensive financial planning
• Investment management and advisory services
• Insurance needs analysis and recommendations
• Retirement planning
• College savings planning
• Estate planning coordination

Michelle Schee, CFP®, is licensed to provide financial planning services in Texas. Services are provided in accordance with applicable federal and state regulations.

Client Relationship and Engagement

Our advisory relationship begins when you execute a formal engagement agreement. The specific terms of our engagement, including scope of services, fees, and responsibilities, will be outlined in your individual advisory agreement.

Information provided on our website is for general educational purposes and does not constitute personalized financial advice. A formal advisory relationship must be established before we can provide recommendations specific to your situation.

Either party may terminate the advisory relationship at any time in accordance with the terms specified in the engagement agreement.

Fees and Payment

Our fee structure will be clearly disclosed in your engagement agreement prior to the commencement of services. Fees may be based on:

• Assets under management (AUM)
• Hourly rates for specific services
• Fixed fees for financial planning projects
• Retainer arrangements

Payment terms, billing frequency, and accepted payment methods will be specified in your engagement agreement.

We may receive compensation from third parties (such as insurance companies) for products you purchase. All such compensation will be fully disclosed to you in accordance with our fiduciary duty.

Fiduciary Duty

As a CERTIFIED FINANCIAL PLANNER™ professional, Michelle Schee adheres to the CFP Board's Code of Ethics and Standards of Conduct, which requires her to act as a fiduciary when providing financial advice.

This means we are obligated to act in your best interest, provide advice that is in your best interest, and disclose any conflicts of interest that may affect our recommendations.

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of TrussPoint Financial and is protected by copyright, trademark, and other intellectual property laws.

You may view, download, and print pages from the website for personal, non-commercial use only. You may not modify, copy, distribute, transmit, display, reproduce, or create derivative works from the content without our express written consent.

User Obligations

When using our website and services, you agree to:

• Provide accurate, current, and complete information
• 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 or disrupt the website or servers
• Not attempt to gain unauthorized access to any portion of the website

Confidentiality

We maintain strict confidentiality of all client information in accordance with professional standards, regulatory requirements, and our Privacy Policy. We will not disclose your personal or financial information without your consent, except as required by law.

You also agree to maintain confidentiality regarding any proprietary information, methodologies, or materials provided to you as part of our services.

Disclaimers and Limitation of Liability

No Warranties

Our website and general information are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Investment Risk

All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. We cannot guarantee that any financial plan or investment strategy will achieve its objectives or be profitable.

Limitation of Liability

To the fullest extent permitted by law, TrussPoint Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of our servers and/or any personal information stored therein
• Any interruption or cessation of transmission to or from our website
• Any bugs, viruses, or other harmful code that may be transmitted through our website by any third party
• Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the website

Indemnification

You agree to indemnify, defend, and hold harmless TrussPoint Financial and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any third-party rights.

Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by TrussPoint Financial. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

We may recommend third-party service providers, such as insurance companies or investment platforms. Your relationship with these providers is separate from your relationship with us, and their terms and conditions will govern your use of their services.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. The arbitration shall take place in Texas.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Effective Date" at the top of this document.

Your continued use of our website and services after any changes indicates your acceptance of the updated Terms. We encourage you to review these Terms periodically.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any engagement agreement you execute, constitute the entire agreement between you and TrussPoint Financial regarding your use of our website and services.

Contact Information

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