TERMS & CONDITIONS
1. Introduction
This Terms & Conditions agreement (“Agreement”) governs your access to and use of services provided by MikeMar Financial Group LLC (“Company”, “we”, “us”, “our”) in the State of Illinois. By engaging our services or using our website, you (“Client”, “you”, “your”) agree to be bound by this Agreement.
2. Scope of Services
We provide financial services which may include (but are not limited to) financial planning, investment advisory, retirement planning, tax‑related consultation, wealth management, insurance review. The specific services to be provided will be set forth in a separate Client Agreement or engagement letter.
You understand that all services are subject to the terms and limitations described herein, and we may require you to enter into more detailed agreements specific to the service you receive.
3. Client Responsibilities and Acknowledgements
You warrant that all information you provide is accurate and complete to the best of your knowledge, and you will update us if material changes occur.
You understand that all recommendations are based on information provided by you and that past performance is no guarantee of future results.
You acknowledge that you will review advice and recommendations and make your own independent decisions about investing or other actions.
You understand that we do not guarantee any specific investment results, returns, tax outcomes, or avoidance of losses.
4. Fees and Payment
Fees for our services will be described in your engagement letter or client agreement. You agree to pay such fees and any applicable taxes. Unless otherwise specified, fees are non‑refundable once services are rendered. Late payments may incur interest or suspension of service.
5. Limitations and Disclaimers
We are not attorneys or tax advisors (unless explicitly stated) and do not provide legal or accounting advice. You should consult your own legal and tax professionals for those matters.
We do not guarantee the performance of any investment strategy or product. You assume the risk of investment decisions.
We make no warranty, express or implied, regarding the accuracy, completeness or timeliness of the information or services provided.
To the maximum extent permitted by law, we are not liable for any indirect, special, consequential, or punitive damages, or for any loss of profits, loss of business opportunity, or other economic loss.
6. Confidentiality & Data Protection
We will treat your information as confidential and use best efforts to protect it consistent with industry standards. However, you acknowledge that no system is perfectly secure and we cannot guarantee absolute confidentiality. You agree that we may disclose information when required by law, regulation or court order.
7. Intellectual Property
Unless otherwise agreed, all materials, reports, software, tools, and documentation we provide remain our intellectual property. You may use them only for your personal use and may not reproduce, distribute, or create derivative works without our prior written consent.
8. Governing Law & Dispute Resolution
This Agreement shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions. Any dispute arising under or related to this Agreement shall be resolved by binding arbitration (or specify alternative dispute resolution), unless prohibited by law. The arbitration shall be held in Cook County, Illinois.
9. Termination
Either party may terminate the engagement upon written notice. Upon termination, you shall pay any outstanding fees and we will deliver any work product completed up to the termination date. We reserve the right to terminate services if you fail to meet your obligations, e.g., failing to provide information, failing to pay fees, or being otherwise
non‑cooperative.
10. Amendments
We may amend these Terms & Conditions from time to time. We will provide notice of any material changes, and your continued use of our services after such notice constitutes your acceptance of the amended terms.
11. Severability
If any provision of this Agreement is found to be invalid, illegal or unenforceable under applicable law, that provision shall be deemed stricken and the remainder of the Agreement shall remain in full force and effect.
12. Entire Agreement
This Agreement, along with your engagement letter or client agreement, constitutes the entire agreement between you and us with respect to the subject matter herein and supersedes all prior or contemporaneous agreements, representations, or understandings.
Signature
By engaging the Company’s services, you acknowledge that you have read, understood, and agree to these Terms & Conditions.
Client Signature / Date
MikeMar Financial Group LLC Representative / Date