Terms of Service

You must be at least 18 years old and legally capable of entering into a binding agreement to use our services. By using the website, you represent that you are at least 18 years old; the information you provide is truthful and accurate; you have authority to submit any personal or business information provided; your use of the website does not violate applicable law; and you will not use our services for fraud, deception, identity theft, tax evasion, money laundering, or another unlawful purpose.

Complete Financial Groups may provide or coordinate services involving individual and business tax preparation; tax planning and tax education; tax software and tax professional training; credit education; credit restoration and dispute assistance; personal and business funding readiness; business funding referrals; business formation and structuring support; business consulting; life insurance education; indexed universal life insurance; fixed annuities; fixed indexed annuities; retirement strategy education; sales training and professional development; and other financial education and business services. The availability, scope, pricing, requirements, and provider of each service may vary. Some services require a separate written agreement. If a separate agreement conflicts with these Terms, the separate agreement will control with respect to that service.

Visiting the website, submitting a contact form, receiving general information, or participating in an initial consultation does not automatically create a tax preparer and client relationship; an insurance agent and client relationship; a financial adviser and client relationship; an attorney and client relationship; a lender and borrower relationship; a credit repair organization and consumer relationship; or any other professional or fiduciary relationship. A professional relationship begins only after all required agreements, authorizations, disclosures, identification procedures, and payment arrangements have been completed and accepted.

Website content is provided for general educational and informational purposes. Content should not be relied upon as individualized legal, tax, accounting, investment, insurance, lending, credit, or financial advice. Financial strategies have different risks, costs, eligibility requirements, tax consequences, and suitability considerations. You should consult appropriately licensed professionals before making a significant financial decision.

Tax outcomes depend on your facts, records, eligibility, elections, and applicable law. You are responsible for providing complete and accurate information; reviewing your return before signing; maintaining supporting documentation; informing us of relevant income, deductions, dependents, credits, accounts, businesses, and transactions; responding promptly to requests for additional information; and paying taxes, penalties, interest, or government fees legally owed. We may rely on information supplied by you unless we have reason to believe the information is incomplete, inconsistent, or inaccurate. We do not guarantee a refund, specific tax result, tax credit, deduction, audit outcome, or amount of tax savings. Tax planning strategies must be evaluated based on each client's individual circumstances and current law.

Credit related services are intended to identify and address information that may be inaccurate, incomplete, obsolete, misleading, duplicated, or unverifiable. We do not guarantee the deletion of any specific account; a specific credit score increase; approval for a loan, lease, credit card, apartment, employment opportunity, or insurance product; results within a specific number of days; the permanent removal of information that is accurate and legally reportable; or that a creditor, collector, or consumer reporting agency will respond in a particular manner. Credit results vary based on the individual credit profile, the accuracy of reported information, creditor responses, consumer reporting agency procedures, new credit activity, balances, payment history, and other factors outside our control. You have the right to dispute inaccurate credit information yourself without purchasing credit related services. A separate written credit services agreement and legally required disclosures may apply before services begin.

Insurance products are offered only through appropriately licensed insurance professionals and appointed insurance agencies or carriers. Complete Financial Groups is not a bank, registered investment adviser, securities broker dealer, law firm, or government agency. Indexed universal life insurance and annuity products are insurance products. They are not direct investments in a stock market index. Product guarantees depend on the claims paying ability and financial strength of the issuing insurance company. Policy loans and withdrawals may reduce available cash value; reduce the death benefit; cause a policy to lapse; create tax consequences; and affect policy performance. Early withdrawals from an annuity may be subject to surrender charges, market value adjustments, and tax penalties. No insurance coverage exists until an application is approved, all required conditions are satisfied, and coverage is placed in force by the issuing insurance company.

Complete Financial Groups is not a bank and does not guarantee funding. We may provide education, document support, readiness services, application assistance, or introductions to third party lenders and funding providers. Each provider independently determines eligibility, approval, funding amount, interest rate, factor rate, repayment schedule, collateral requirements, personal guarantee requirements, fees, and other terms. Submitting an inquiry does not guarantee approval. Some providers may conduct a hard credit inquiry. You should review all terms before accepting financing. Complete Financial Groups may receive compensation from a funding provider or referral partner when permitted by law and disclosed as required.

Business formation and structuring services are administrative, educational, or consulting services unless expressly stated otherwise in writing. Complete Financial Groups is not a law firm and does not provide legal representation. Formation of a company does not guarantee funding approval; tax savings; liability protection in every circumstance; business credit; government contracts; profitability; regulatory compliance; or a particular tax classification. Clients should consult a licensed attorney and qualified tax professional concerning legal structure, ownership, contracts, licensing, liability, and taxation.

Certain services may require you to create an account or use a client portal. You agree to provide accurate information; protect usernames, passwords, and authentication codes; prevent unauthorized account access; notify us promptly of suspected unauthorized activity; and avoid sharing account credentials with unauthorized individuals. You are responsible for activity conducted through your account unless caused by our failure to maintain legally required security.

You consent to receive agreements, notices, disclosures, invoices, account information, and other communications electronically. Electronic signatures and electronic records may have the same legal effect as paper signatures and records. You are responsible for maintaining a valid email address, telephone number, and access to a device capable of displaying and retaining electronic records. You may request paper copies when available. Administrative fees may apply where permitted by law.

When you provide a telephone number, you authorize us and our service providers to contact you regarding your inquiry, appointments, services, and account. Marketing calls and text messages will be sent only as permitted by law. Consent to marketing communications is not required as a condition of purchasing services. Message and data rates may apply. You may opt out of promotional text messages by replying STOP.

Prices will be disclosed through the website, proposal, invoice, order page, or separate agreement. You agree to pay all properly authorized charges. Unless a separate agreement states otherwise, fees are stated in United States dollars; government, filing, monitoring, report, insurance, underwriting, bank, lender, or third party fees may be separate; payment obligations are subject to applicable law; refund eligibility will be determined by the applicable written agreement and law; and chargebacks filed in bad faith may constitute a breach of these Terms. Nothing in these Terms authorizes Complete Financial Groups to collect a payment prohibited by federal or state credit repair law.

Cancellation and refund rights depend on the service purchased and the applicable written agreement. Credit related services may include a statutory right to cancel within the period stated in the written agreement and cancellation notice. Insurance policies may include a free look period established by the policy and state law. Tax preparation fees may become nonrefundable after substantial work has been performed, subject to the written engagement agreement and applicable law. Digital products, training programs, completed consulting services, filing fees, credit report fees, and third party charges may be nonrefundable where legally permitted and properly disclosed.

The website and its content are owned by or licensed to Complete Financial Groups. Protected content may include text, graphics, logos, videos, training materials, sales scripts, courses, templates, software, brand names, the C.A.S.E. Sales Framework, program designs, and downloadable materials. You may not copy, reproduce, sell, distribute, modify, publish, license, reverse engineer, or commercially exploit protected content without written permission. Purchasing a course, program, or digital product gives you a limited, revocable, nonexclusive, nontransferable license for the authorized use described at purchase.

You may not use the website for unlawful activity; submit false or stolen information; misrepresent your identity or authority; attempt unauthorized access; upload malware or harmful code; interfere with website operation; scrape or harvest information without permission; copy protected content; impersonate Complete Financial Groups; use our materials to deceive consumers; submit fraudulent tax, credit, insurance, or funding information; or violate another person's privacy or intellectual property rights. We may restrict or terminate access for suspected violations.

Our website may connect you to third party providers, including insurance carriers, insurance agents, tax filing systems, credit monitoring providers, consumer reporting agencies, lenders, funding brokers, payment processors, client portals, electronic signature platforms, scheduling services, and training platforms. Third parties operate under their own agreements and policies. Complete Financial Groups does not control and is not responsible for a third party's website, products, underwriting, decisions, rates, fees, security, representations, or performance.

Testimonials, reviews, case studies, score changes, funding amounts, tax savings, revenue examples, and client experiences reflect individual circumstances. They are not promises or guarantees that another person will achieve the same or similar results. Any hypothetical or illustrative example is provided for educational purposes.

To the fullest extent permitted by law, the website and general website content are provided on an "as available" basis. Complete Financial Groups does not warrant that the website will always be available; the website will be error free; every defect will be corrected immediately; the website will be free of harmful components; information will always reflect the most recent legal or market developments; or use of the website will produce a particular result. Nothing in this section limits a written warranty or obligation expressly included in a separate signed service agreement.

To the fullest extent permitted by law, Complete Financial Groups and its owners, members, officers, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, punitive, exemplary, or consequential damages arising from general use of the website. This limitation does not exclude liability that cannot legally be limited, including liability resulting from fraud, intentional misconduct, or another nonwaivable obligation. Any limitation applicable to a purchased service will also be governed by the relevant written agreement and applicable law.

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Complete Financial Groups and its affiliated companies, owners, members, officers, employees, and contractors from third party claims arising from your unlawful use of the website; information you knowingly provide that is false or unauthorized; your infringement of another person's rights; your violation of these Terms; or fraudulent or unlawful conduct committed by you. This provision does not require indemnification for claims caused by Complete Financial Groups' own unlawful conduct.

Before filing a formal legal proceeding, you and Complete Financial Groups agree to make a good faith effort to resolve the dispute through written notice and informal discussion. A written dispute notice must describe the person or entity making the claim; the relevant service or transaction; the factual basis of the dispute; the requested resolution; and supporting documents reasonably available. The parties will have 30 days after receipt of the notice to attempt an informal resolution. Binding Arbitration — Except for matters eligible for small claims court, requests for emergency injunctive relief, intellectual property claims, or matters that cannot legally be arbitrated, disputes arising from these Terms or website use will be resolved by individual binding arbitration administered under applicable arbitration rules. Arbitration will take place in Harris County, Texas, unless the parties agree to another location or remote proceeding. The arbitrator may award any individual relief available under applicable law but may not combine unrelated claims without the parties' consent. Class Action Waiver — To the fullest extent permitted by law, disputes must be brought individually and not as a plaintiff or class member in a class, collective, consolidated, representative, or private attorney general action. Nothing in this section limits any nonwaivable consumer right. You should consult an attorney regarding the consequences of arbitration before accepting these Terms.

These Terms are governed by the laws of the State of Texas and applicable federal law, without regard to conflict of law principles. For any dispute not subject to arbitration, the parties consent to jurisdiction in the state or federal courts located in Harris County, Texas.

We may suspend or terminate website access when we reasonably believe that these Terms have been violated; fraud or unlawful activity has occurred; security is threatened; continued access could harm a client, third party, or our organization; or termination is required by law. Termination does not eliminate payment obligations, confidentiality requirements, ownership rights, dispute provisions, or other terms intended to survive.

We may update these Terms to reflect changes in our services, business practices, or legal obligations. Changes will become effective when posted with a revised effective date unless another date is stated. Continued website use following the effective date constitutes acceptance of the revised Terms. Material changes affecting an existing paid service may require separate notice or consent.

If any provision is found invalid or unenforceable, the remaining provisions will remain effective. An invalid provision will be modified only to the minimum extent necessary to make it enforceable when permitted by law.

These Terms, the Privacy Policy, applicable disclosures, and any separate signed service agreement constitute the agreement concerning your website use and purchased services.

Complete Financial Groups, LLC 340 N. Sam Houston Parkway E. Suite A249 Houston, Texas 77060 Telephone: 832-900-4992 Website: CompleteFinancialGroups.com