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Terms of Service

Effective Date: December 2024

Agreement Overview

By accessing Finzi's platform and utilizing our financial consultation services, you enter into a binding agreement with us. These terms outline the framework of our professional relationship and your rights as our client.

User Qualifications

Our services are exclusively designed for individuals who meet specific criteria:

  • Must be a legal adult (18+ years) with capacity to enter contracts
  • Resident of the United States with valid identification
  • Commitment to providing truthful financial information
  • Agreement to maintain confidentiality of proprietary advice

Service Scope & Limitations

What We Provide

Finzi delivers boutique financial consulting focused on credit optimization and personal finance strategy. Our expertise includes credit card analysis, spending optimization, and financial goal planning.

What We Don't Provide

  • Investment securities trading or portfolio management
  • Tax preparation or accounting services
  • Legal advice or representation
  • Guaranteed financial outcomes or credit approvals

Professional Standards

As independent financial consultants, we maintain strict professional standards. Our recommendations are based on industry best practices and your individual circumstances, not influenced by third-party commissions or partnerships.

Client Obligations

Successful financial consulting requires active participation from our clients:

  • Provide complete and accurate financial documentation
  • Communicate changes in financial circumstances promptly
  • Implement recommendations within agreed timeframes
  • Respect intellectual property rights of our methodologies

Compensation Structure

Our fee structure is transparent and performance-oriented:

  • Initial consultations provided at no charge
  • Ongoing services billed monthly or per project
  • All fees disclosed in writing before service commencement
  • Payment terms clearly outlined in individual agreements

Risk Acknowledgment

Financial decisions carry inherent risks. While we provide expert guidance, market conditions, credit policies, and personal circumstances can affect outcomes. Clients acknowledge that past performance doesn't guarantee future results.

Confidentiality & Data Protection

We maintain bank-level security for all client information. Financial data is encrypted, access is restricted, and we never share personal information without explicit consent, except as required by law.

Dispute Resolution

Should disagreements arise, we prefer collaborative resolution through direct communication. If formal dispute resolution becomes necessary, binding arbitration will be conducted under American Arbitration Association rules.

Service Termination

Either party may terminate our professional relationship with written notice. Upon termination, all outstanding fees become due, and confidentiality obligations continue indefinitely.

Legal Framework

These terms are governed by federal and state laws applicable to financial advisory services. Any provisions deemed unenforceable will not affect the validity of remaining terms.

Terms Modification

We reserve the right to update these terms as our services evolve or legal requirements change. Significant modifications will be communicated directly to active clients with reasonable advance notice.

Contact & Support

Questions about these terms or our services can be directed to our support team:

Email: info@finzi.live

Response Time: Within 48 hours during business days

We appreciate your trust in Finzi for your financial advisory needs and look forward to helping you achieve your financial objectives.

© 2024 Finzi. We're here to help you make smarter financial decisions.

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