Terms of Service

Welcome to Diamond Financial Professionals! These Terms of Service ("Terms") govern your access to and use of the website located at www.diamond-fp.com and all related services (collectively, the "Website" or "Services") provided by Diamond Financial Professionals ("Company," "we," "us," or "our").

These Terms apply only to users located in the United States.

By accessing or using the Website or Services, you agree to be bound by these Terms and all applicable policies referenced herein, including our Privacy Policy. If you do not agree to these Terms, do not use our Website or Services.

1.Acceptance of Terms

By using the Website or Services, you accept and agree to be bound by these Terms and all applicable policies, including our Privacy Policy. Your continued use of the Website constitutes your ongoing acceptance of any updates to these Terms.

2.User Eligibility

To use the Website or Services, you must be at least 18 years of age and have the legal capacity to enter into a binding contract under applicable law. If you are under 18, parental or legal guardian consent is required prior to use.

3.Services Provided

Diamond Financial Professionals provides financial literacy education, workshops, financial guidance resources, and related informational content to individuals and businesses. You agree to use the Website and Services only for lawful purposes and in compliance with these Terms and all applicable federal, state, and local laws and regulations.

3.1Educational and Informational Purpose

Content provided through the Website, including articles, workshops, calculators, worksheets, and general guidance, is educational and informational in nature. It is general in scope and is not tailored to your individual financial circumstances.

Nothing on the Website constitutes an offer to sell, or a solicitation of an offer to buy, any security or insurance product, nor does it constitute individualized investment, tax, or legal advice. You should consult a qualified professional regarding your specific situation before acting on any information presented.

3.2No Guarantee of Results

Financial outcomes depend on many factors outside our control, including market conditions, individual circumstances, and decisions you make. Diamond Financial Professionals does not guarantee any particular financial result, rate of return, savings amount, or outcome. Any examples, illustrations, or past results referenced are for educational purposes only and are not a promise or prediction of your results.

3.3Licensed Services

Where any product or service requires a license, it is offered only by appropriately licensed individuals and only in states where that license is held. Availability of specific products and services may vary by state.

4.Account Registration

Certain features of the Website may require account registration. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your information to keep it accurate and complete
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account

You are solely responsible for all activity that occurs under your account. We reserve the right to suspend or terminate accounts that contain inaccurate or misleading information.

5.Cookies

The Website uses cookies to help personalize your online experience and support Website functionality. By accessing the Website, you agree to the use of required cookies necessary for the operation of the Website. You may accept or decline optional cookies through your browser settings. Please note that declining optional cookies may affect the functionality of certain features. Third-party cookies may also be used where third-party services are integrated into the Website.

6.Intellectual Property and License

All content on the Website, including but not limited to text, graphics, logos, images, audio clips, video, worksheets, workshop materials, and software, is the property of Diamond Financial Professionals or its licensors and is protected by United States intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal, non-commercial purposes only.

You must not:

• Copy, reproduce, duplicate, or republish any material from the Website
• Sell, rent, or sublicense any material from the Website
• Redistribute or commercially exploit any content from the Website without prior written consent
• Modify or create derivative works based on Website content without authorization
• Record, transcribe, or rebroadcast any workshop or consultation without our prior written consent

7.User Obligations and Restrictions

You agree not to:

• Use the Website for any unlawful or fraudulent purpose
• Harm, disrupt, or interfere with the Website or its associated infrastructure
• Violate any applicable laws or the rights of any third party
• Use automated systems, bots, or scrapers to access the Website without prior written permission
• Attempt to gain unauthorized access to any system, data, or account
• Post or transmit any content that is defamatory, offensive, obscene, or otherwise objectionable
• Solicit or promote commercial activities or unlawful conduct through any comment or submission on the Website

8.Comments and User Submissions

Certain areas of the Website may allow users to post comments or exchange information. Diamond Financial Professionals does not filter, edit, or review comments before they appear on the Website. Comments reflect the views of the individual poster and do not represent the views of Diamond Financial Professionals, its agents, or affiliates.

To the extent permitted by applicable law, Diamond Financial Professionals shall not be liable for any comments or any liability, damages, or expenses arising from the posting or appearance of comments on the Website. Diamond Financial Professionals reserves the right to monitor and remove any comments deemed inappropriate, offensive, or in breach of these Terms.

By posting a comment, you warrant that you have all necessary rights to do so and grant Diamond Financial Professionals a non-exclusive license to use, reproduce, and publish your submission in any format or media.

Please do not post personal financial information in any public area of the Website.

9.Payment and Billing

If you purchase paid services or products through the Website, you agree to provide accurate and complete billing information. Payments will be processed according to the pricing and terms displayed at the time of purchase. By completing a purchase, you authorize Diamond Financial Professionals or its authorized payment processor to charge your designated payment method.

All fees are stated in U.S. dollars. You are responsible for all applicable taxes associated with your purchase.

9.1Scheduling, Cancellations, and Refunds

Specific cancellation, rescheduling, and refund terms applicable to your program or service will be provided to you in writing at the time of enrollment and form part of your agreement with us.

10.Text Message and SMS Communications (A2P 10DLC / TCPA / CTIA Compliant)

10.1Consent to Receive SMS Messages

By providing your mobile phone number and opting in through our Website or any opt-in form, you expressly consent to receive text messages (SMS/MMS) from Diamond Financial Professionals. These messages may include appointment reminders, workshop notifications, service updates, transactional notifications, and promotional content where permitted.

Consent to receive text messages is not a condition of purchase or use of our Services.

10.2Message Frequency

Message frequency may vary based on your interaction with our Services.

10.3Message and Data Rates

Standard message and data rates may apply depending on your mobile carrier and plan.

10.4How to Opt Out

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message. No further messages will be sent following that confirmation.

10.5Help

Reply HELP to any message for assistance, or contact us directly at:

• Phone: +1 925-890-2203
• Email: info@diamond-fp.com
• Website: www.diamond-fp.com

10.6No Sharing of Mobile Information

No mobile information, including phone numbers, SMS opt-in data, or consent records, will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will never be shared with any third party.

11.Hyperlinking to Our Content

The following organizations may link to our Website without prior written approval:

• Government agencies
• Search engines
• News organizations
• Online directory distributors linking in the same manner as they link to other listed businesses
• System-wide accredited businesses, excluding non-profit soliciting organizations and charity fundraising groups

All approved links must not be deceptive, must not falsely imply sponsorship or endorsement by Diamond Financial Professionals, and must fit within the context of the linking party's website. No use of the Diamond Financial Professionals logo or artwork is permitted without a trademark license agreement.

If you wish to link to our Website and are not listed above, please send an email to info@diamond-fp.com including your name, organization name, contact information, your site URL, and the specific pages you wish to link to. Please allow 2 to 3 weeks for a response.

12.Third-Party Links

The Website may contain links to third-party websites or services. Diamond Financial Professionals is not responsible for the content, privacy practices, or activities of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

13.Content Liability

Diamond Financial Professionals shall not be held responsible for any content that appears on external websites linked to or from our Website. You agree to protect and defend Diamond Financial Professionals against any claims arising from content on your website that links to ours. No link to our Website should be interpreted as libelous, obscene, criminal, or as infringing upon any third-party rights.

14.Privacy Policy

Your use of the Website and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and protection of your personal information.

15.Termination

We reserve the right to suspend or terminate your access to the Website or Services at any time, without prior notice, if we believe you have violated these Terms or engaged in harmful, fraudulent, or unlawful conduct. Upon termination, your right to use the Website and Services will immediately cease.

16.Disclaimer

To the maximum extent permitted by applicable law, Diamond Financial Professionals excludes all representations, warranties, and conditions relating to the Website and its use. We do not warrant that the information on the Website is accurate, complete, or up to date, or that the Website will remain continuously available.

Tax laws, contribution limits, product features, and regulations change frequently. While we make reasonable efforts to keep our content current, you are responsible for verifying current requirements with a qualified professional or the relevant institution.

Nothing in this disclaimer will limit or exclude liability for death or personal injury caused by negligence, liability for fraud or fraudulent misrepresentation, or any other liability that cannot be lawfully limited or excluded.

17.Limitation of Liability

To the fullest extent permitted by applicable law, Diamond Financial Professionals and its officers, employees, affiliates, agents, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Website or Services, even if advised of the possibility of such damages.

This includes, without limitation, any damages arising from financial decisions you make in reliance on educational content provided through the Website.

18.Indemnification

You agree to indemnify, defend, and hold harmless Diamond Financial Professionals, its officers, employees, affiliates, and partners from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in connection with your use of the Website or Services, your violation of these Terms, or your violation of any applicable law or the rights of any third party.

19.Reservation of Rights

Diamond Financial Professionals reserves the right to request the removal of any link to our Website at any time. We also reserve the right to amend these Terms and our linking policy at any time. Continued use of the Website following any changes constitutes acceptance of the updated Terms.

20.Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the State of California, without regard to conflict-of-law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the appropriate courts of competent jurisdiction in the State of California.

21.Changes to These Terms

We reserve the right to modify or update these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website or Services after any changes are posted constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

22.Contact Us

If you have any questions about these Terms or wish to contact us regarding any matter, please reach out to us at: