Terms of Service

1. Acceptance of Terms

By accessing or using the website of Common Cents Financial LLC ("Company," "we," "our," or "us") at common-cents-financial.com, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services. These terms apply to all visitors, users, and others who access or use our website.

2. Description of Services

Common Cents Financial LLC provides financial planning, advisory, and educational services. Information provided on this website is for general informational purposes only and does not constitute financial, tax, legal, or investment advice. Any financial decisions should be made in consultation with a qualified professional who understands your specific circumstances.

3. No Professional Advice Disclaimer

A formal client-advisor relationship is established only through a signed engagement agreement. Browsing this website or submitting a contact form does not create a professional advisory relationship.

4. User Responsibilities

When using our website, you agree to:

• Provide accurate and truthful information in any forms or communications
• Use the website only for lawful purposes
• Not attempt to gain unauthorized access to any part of the website
• Not use the website to transmit harmful, offensive, or illegal content
• Not interfere with the proper functioning of the website

5. Intellectual Property

All content on this website — including text, graphics, logos, design elements, and other materials — is the property of Common Cents Financial LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

6. SMS/Text Message Terms

If you opt in to receive text messages from Common Cents Financial LLC:

• You consent to receive text messages related to appointments, service updates, and responses to your inquiries
• Message frequency varies; message and data rates may apply
• Reply STOP to opt out at any time; reply HELP for assistance
• Consent to receive texts is not required to purchase services
• We will not share your opt-in information with third parties for their marketing purposes

For questions about our text messaging program, contact jessica@common-cents-financial.com.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Common Cents Financial LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your access to or use of (or inability to access or use) our website or services. Our total liability for any claim arising from these terms shall not exceed the amount you paid to us, if any, in the twelve months preceding the claim.

8. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Common Cents Financial LLC. 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 we shall not be liable for any damage or loss caused by your use of any such sites.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under or in connection with these terms shall be subject to the exclusive jurisdiction of the courts located in the State of Georgia.

10. Changes to These Terms

We reserve the right to modify or replace these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the website following the posting of revised terms constitutes your acceptance of those changes. We encourage you to review these terms periodically.

11. Contact Information

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