1. Services Provided
TWH offers financial planning, investment advisory, and insurance brokerage services. Specific terms for each product or service may be outlined in separate agreements or disclosures.
2. Eligibility
You must be at least 18 years old and legally able to enter into binding contracts to use our services. Certain products may require additional eligibility criteria.
3. No Guarantee of Outcomes
While we strive to provide accurate information and sound advice, all investments and insurance products involve risks. Past performance is not indicative of future results. We do not guarantee any financial outcome.
4. Client Responsibilities
You agree to:
Provide accurate, complete, and current information.
Notify us promptly of any changes to your personal or financial information.
Review all account statements, policy documents, and communications in a timely manner.
5. SMS/Text Messaging Consent
By providing your mobile phone number to TWH, you expressly consent to receive calls, text messages, and pre-recorded voice messages from us for purposes including (but not limited to) account updates, appointment reminders, policy information, service notifications, and marketing communications.
Message Frequency: Varies based on account activity and service preferences.
Message & Data Rates: Standard carrier charges may apply.
Opt-Out: You may opt out at any time by replying “STOP” to any text message you receive from us. You may also contact us directly to remove your number from our text communications list.
Help: For assistance, reply “HELP” to any message or contact us at the phone number listed below.
Your consent to receive texts is not a condition of purchasing any product or service.
We will handle your personal information in accordance with our Privacy Policy.
6. Intellectual Property
All content on our website, including text, graphics, logos, and images, is owned by TWH or its licensors. You may not copy, distribute, or modify our content without written consent.
7. Prohibited Uses
You may not:
Use our services for unlawful purposes.
Provide false or misleading information.
Attempt to gain unauthorized access to our systems.
8. Limitation of Liability
To the fullest extent permitted by law, TWH shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.
9. Indemnification
You agree to indemnify and hold harmless TWH and its employees, agents, and affiliates from any claims, damages, or expenses resulting from your violation of these Terms or misuse of our services.
10. Governing Law
These Terms are governed by the laws of the state in which TWH is headquartered, without regard to conflict of law principles.
11. Changes to the Terms
We may update these Terms from time to time. Continued use of our services after changes take effect constitutes your acceptance of the new Terms.