Plain-English summary: Use our site lawfully, understand that general website content is education — not personalized financial advice — and that formal advisory relationships begin only with a signed engagement agreement.
1. Acceptance of Terms
By accessing www.financenetworkplace.com or engaging Finance Network Place ("Finance Network Place," "we," "us") for any service, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please discontinue use of the site and services.
2. Services Description
Finance Network Place provides financial planning, loan facilitation and advisory, credit-building programs, mortgage brokerage assistance, wealth and investment planning, tax advisory coordination, and insurance analysis. Specific deliverables, fees, scope, and duration for each engagement are defined in a written service or advisory agreement signed by both parties, which prevails over these general terms in the event of conflict.
3. No Guarantee of Financial Outcomes
While we apply professional diligence and evidence-based methodology, no outcome is guaranteed. Investment returns may fluctuate and past performance does not predict future results. Loan approval, interest rates, and terms are determined by lending partners based on your creditworthiness. Tax savings depend on your individual circumstances and current law. Nothing on this website constitutes a promise, warranty, or projection of results.
4. Educational Content Disclaimer
Website content, newsletters, FAQs, and downloadable materials are provided for general educational purposes only and do not constitute personalized investment, legal, tax, or insurance advice. Always consult the appropriate licensed professional regarding your specific situation before acting.
5. Eligibility & Client Responsibilities
- You must be at least 18 years old and a U.S. resident to engage our services.
- You agree to provide accurate, complete, and current information and to promptly update it.
- You agree not to submit fraudulent documents or misrepresent your identity or finances.
- You are responsible for reviewing all agreements, disclosures, and statements we provide.
6. Fees & Payment
Fees for each service are quoted in writing before work begins. One-time planning fees are payable upon booking. Ongoing advisory fees are billed as stated in your engagement agreement and may be cancelled with 30 days' written notice. Third-party costs (e.g., lender fees, insurance premiums, custodial charges) are separate and disclosed by the respective provider. Published prices may change prospectively; your confirmed price will not change mid-engagement.
7. Cancellation & Refunds
You may cancel a booked free consultation anytime. One-time plans (e.g., Wealth Blueprint) may be refunded in full if cancelled before work commences, or prorated thereafter at our discretion based on work completed. Ongoing services follow the cancellation terms of your engagement agreement. Loan applications already submitted to lending partners may be subject to lender-imposed non-refundable costs, which will be disclosed to you.
8. Fiduciary Duty & Conflicts
For advisory engagements, we act as a fiduciary and accept no commissions or third-party incentives. Certain lending facilitation may involve standard industry compensation from lending partners; where applicable, this is disclosed to you in writing before you commit.
9. Intellectual Property
All website content — text, design, graphics, logos, and the Finance Network Place name — is our intellectual property and may not be copied, republished, or used commercially without written permission. You may print or share content for personal, non-commercial use.
10. Acceptable Use
You agree not to: (a) interfere with or disrupt the website or its security; (b) scrape, harvest, or data-mine the site; (c) submit false, abusive, or unlawful content through our forms; or (d) impersonate any person or entity. We reserve the right to refuse or terminate service for violations.
11. Limitation of Liability
To the maximum extent permitted by law, Finance Network Place, its owners, employees, and agents shall not be liable for indirect, incidental, special, consequential, or punitive damages, including lost profits or investment losses, arising from use of the website or services. Our total aggregate liability for any claim shall not exceed the fees you paid to us for the service giving rise to the claim in the 12 months preceding it.
12. Indemnification
You agree to indemnify and hold harmless Finance Network Place from claims, damages, and expenses (including reasonable attorneys' fees) arising from your breach of these terms, your misrepresentations, or your unlawful use of our services or website.
13. Third-Party Links & Services
Our site and communications may reference third-party lenders, custodians, or resources. We do not control and are not responsible for their products, terms, or availability. Any transaction with a third party is between you and that party.
14. Communications Consent
By submitting our forms, you consent to be contacted by phone, email, or SMS regarding your inquiry at the contact details provided. Message and data rates may apply. Marketing emails always include an unsubscribe link; see also our unsubscribe page.
15. Dispute Resolution & Governing Law
These terms are governed by the laws of the State of New Jersey, USA, without regard to conflict-of-law principles. The parties agree to attempt good-faith resolution of any dispute for 30 days before pursuing formal action; unresolved disputes shall be brought exclusively in the state or federal courts located in Gloucester County, New Jersey.
16. Modifications
We may update these terms from time to time. The effective date above reflects the current version, and continued use of the site or services after changes constitutes acceptance.
17. Contact
Questions about these terms: Finance Network Place, 216 Deptford Rd, Glassboro, NJ 08028, USA · Phone: (856) 307-9447 · Email: info@financenetworkplace.com.