Terms and Conditions

1. Acceptance of Terms

By accessing or using the Finovest website (the "Site") or engaging our financial consulting services (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must discontinue use immediately.

Finovest reserves the right to update or modify these Terms at any time without prior notice. Your continued use of the Services after any changes constitutes acceptance of the new Terms. It is your responsibility to review this page periodically.

2. Description of Services

Finovest provides personal financial consulting, wealth management, investment planning, retirement planning, tax consulting, and related advisory services. All services are delivered by certified professionals including CFPs, CFAs, CPAs, and Enrolled Agents.

Our Services are intended for informational and educational purposes and do not constitute legal, accounting, or tax advice unless explicitly stated in a signed engagement letter. Past performance does not guarantee future results. All investments carry risk, and you should consider your own financial situation before making decisions.

3. User Responsibilities

As a user of Finovest Services, you agree to:

• Provide accurate, current, and complete information during the consultation and planning process.
• Review all documents, reports, and recommendations carefully and notify us of any discrepancies.
• Make independent decisions based on our advice, understanding that you bear full responsibility for your financial outcomes.
• Keep your account credentials confidential and notify us immediately of any unauthorized use.
• Use the Site only for lawful purposes and in compliance with all applicable laws and regulations.

4. Intellectual Property Rights

All content on the Finovest Site—including text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software—is the property of Finovest or its content suppliers and is protected by United States and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or in any way exploit any of the content without prior written consent from Finovest. The Finovest name, logo, and all related product and service names are trademarks of Finovest and may not be used without permission.

5. Limitation of Liability

To the fullest extent permitted by law, Finovest and its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Services or inability to access the Site, even if advised of the possibility of such damages.

Finovest's total liability for any claim arising out of or relating to these Terms or the Services shall not exceed the fees paid by you to Finovest in the twelve (12) months preceding the claim. This limitation applies regardless of the form of action, whether in contract, tort, or otherwise.

6. Privacy Policy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the data practices described in the Privacy Policy.

We implement reasonable security measures to protect your information, but cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur. You use the Site and Services at your own risk.

7. Third-Party Links

The Site may contain links to third-party websites or resources that are not owned or controlled by Finovest. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites. You acknowledge and agree that Finovest shall not be liable for any damage or loss caused by your use of any third-party content.

8. Termination

Finovest reserves the right to terminate or suspend your access to the Services at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Services will immediately cease.

Provisions related to intellectual property, limitation of liability, and indemnification shall survive any termination of these Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or the Services shall be resolved exclusively in the state or federal courts located in New York County, New York.

10. Changes to These Terms

Finovest may revise these Terms from time to time. The most current version will always be posted on this page with the "Last Updated" date. Material changes will be communicated to active clients via email or through a notice on our Site prior to the change becoming effective.

11. Contact Information

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

We encourage you to reach out with any concerns or inquiries regarding our terms or your relationship with Finovest.