TERMS OF USE

FiduciaryFactor.com

Effective Date: August 2026

These Terms of Use (“Terms”) govern your access to and use of FiduciaryFactor.com (“the Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site.

1. Purpose of the Site

FiduciaryFactor.com provides educational, analytical, and fiduciary‑focused content intended to help investors, auditors, oversight professionals, and the general public understand systemic issues within financial products and regulatory frameworks. The Site does not provide personalized financial, legal, or investment advice.

2. Acceptable Use

You agree not to use the Site in any manner that:

  • Violates applicable laws or regulations
  • Attempts to gain unauthorized access to the Site or its systems
  • Interferes with the Site’s functionality or security
  • Harasses, abuses, or harms others
  • Copies, distributes, or republishes content without permission

3. Intellectual Property

All content on the Site—including text, graphics, images, logos, and analytical materials—is the property of FiduciaryFactor.com unless otherwise noted. You may not reproduce, distribute, or modify any content without prior written consent.

4. Third‑Party Links

The Site may contain links to external websites. FiduciaryFactor.com is not responsible for the content, accuracy, or privacy practices of third‑party sites.

5. No Warranties

The Site is provided “as is” without warranties of any kind, express or implied. We do not guarantee the accuracy, completeness, or timeliness of any information presented.

6. Limitation of Liability

To the fullest extent permitted by law, FiduciaryFactor.com is not liable for any damages arising from:

  • Use or inability to use the Site
  • Reliance on information provided
  • Errors, omissions, or interruptions
  • Third‑party actions or content

7. Changes to These Terms

We may update these Terms periodically. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

8. Contact

For questions regarding these Terms:

FiduciaryFactor.com Twin Falls, Idaho Email: [your email]

DISCLAIMER

FiduciaryFactor.com Effective Date: August 2026

The information provided on FiduciaryFactor.com is intended for educational, analytical, and research purposes. It is not financial, legal, tax, or investment advice.

1. No Professional Advice

Content on the Site is general in nature and does not consider your personal financial circumstances. You should consult qualified professionals before making decisions related to retirement planning, investments, or legal matters.

2. Accuracy and Completeness

While efforts are made to ensure accuracy, no guarantee is provided regarding the completeness, timeliness, or applicability of the information. Financial products, regulations, and industry practices may change without notice.

3. No Endorsements

References to companies, financial products, regulatory bodies, or third‑party materials do not constitute endorsements. Any examples or illustrations are for educational purposes only.

4. Liability

FiduciaryFactor.com and its contributors assume no responsibility for actions taken or decisions made based on the information provided. Use of the Site is at your own risk.

5. Contact

For questions regarding this Disclaimer:

FiduciaryFactor.com

Email: [email protected]