Terms and Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your access to and use of financeinvestplan.com and any services provided by Finance Invest Plan ("we", "us", "our"). By browsing this website, submitting a form, subscribing to our newsletter or engaging our services, you accept these Terms in full. If you do not agree, please stop using the site.

2. Permitted Use of the Website

You may use this website for lawful, personal and non-commercial purposes. You agree not to:

• Copy, scrape, republish or redistribute content without written permission
• Submit false, misleading or fraudulent information in any form
• Attempt to gain unauthorised access to our systems, client portal or data
• Introduce malware, overload our infrastructure or interfere with normal operation
• Use the site to send unsolicited commercial communications

We may suspend or restrict access where we reasonably believe these Terms have been breached.

3. Information Only — Not Personalised Advice

Content on this website, including blog articles, calculators and downloadable material, is general information provided for educational purposes. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to buy, sell or hold any product.

Personalised advice is provided only under a signed engagement letter, after we have assessed your circumstances and documented the basis of our recommendation. Always read the relevant product disclosure documents before acting.

4. Eligibility and Accuracy of Information

You must be at least 18 years old and legally capable of entering a contract to submit an application or engage our services. You agree to provide accurate, current and complete information in all forms and to update it promptly if it changes. Applications containing inaccurate information may be declined, and any product issued on the basis of inaccurate information may be cancelled or reversed.

5. Lending and Mortgage Disclaimers

All lending is subject to eligibility criteria, lender underwriting, identity verification and credit approval. Rates, fees, terms and loan amounts shown on this website or discussed in a consultation are indicative only and may change without notice. Approval is never guaranteed.

• Calculator outputs are estimates and exclude lender fees, insurance, taxes and other charges
• Your actual rate depends on your credit profile, income, loan-to-value ratio and lender policy
• Late or missed repayments may attract fees and affect your credit score
• Property-secured borrowing places your home at risk if repayments are not maintained

We act as an intermediary in arranging loans and are paid by the lender in most cases; the amount and basis of that payment is disclosed in writing before you sign.

6. Investment Risk

Investments can fall as well as rise. Past performance is not a reliable indicator of future results, and you may get back less than you invested. Any projected figures, illustrations or target returns shown on this website or in a plan are estimates based on stated assumptions, not promises. Investment products are not bank deposits and are not guaranteed by any government agency unless explicitly stated.

7. Tax and Insurance Services

Tax advice is based on the law and guidance in force at the time it is given and on the information you provide. It is not a substitute for legal advice, and we do not represent you in litigation. Insurance products are issued by third-party carriers; cover is subject to policy terms, exclusions, waiting periods and the carrier's claims assessment. We do not guarantee that a claim will be paid.

8. Fees and Payment

The first consultation and written quote are provided at no charge. Where fees apply, they are set out in a written engagement letter before work begins and are payable as stated in that letter. Third-party costs such as lender application fees, appraisal fees, government charges and carrier premiums are separate and are disclosed to you directly.

9. Intellectual Property

All content on this website — including text, graphics, logos, illustrations, layout and code — is owned by Finance Invest Plan or licensed to us and is protected by United States and international copyright and trademark law. The Finance Invest Plan name and logo may not be used without written permission. You may print or download pages for your own personal reference, provided you do not alter them or remove attribution.

10. Newsletter and Communications

When you subscribe, you consent to receive email communications at the frequency and on the topics you selected. You can change preferences or unsubscribe at any time using the links in every email or the unsubscribe page on this site. Transactional messages relating to an active application, policy or plan are not marketing and will continue while the relationship exists.

11. Third-Party Links and Content

This website may link to third-party sites and resources. Those links are provided for convenience only. We do not control, endorse or take responsibility for the content, accuracy or availability of external sites, and accessing them is at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, Finance Invest Plan and its officers, employees and agents are not liable for any indirect, incidental, special, consequential or punitive loss arising from your use of this website or reliance on general information published on it, including loss of profit, data or opportunity. Where liability cannot be excluded, our total aggregate liability is limited to the fees you have paid us for the specific service giving rise to the claim.

Nothing in these Terms limits liability that cannot lawfully be limited, including for fraud or fraudulent misrepresentation.

13. Indemnification

You agree to indemnify and hold Finance Invest Plan harmless from claims, losses, liabilities and reasonable legal costs arising from your breach of these Terms, your misuse of the website, or inaccurate information you have supplied to us.

14. Privacy

Our handling of personal information is described in our Privacy Policy, which forms part of these Terms.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Kansas, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in Johnson County, Kansas. Before commencing proceedings, both parties agree to attempt good-faith resolution through written notice and a 30-day negotiation period.

16. Termination

We may suspend or terminate your access to this website or to our services if you breach these Terms, if required by law, or if continuing would expose us to legal or regulatory risk. Sections dealing with intellectual property, disclaimers, limitation of liability and governing law survive termination.

17. Changes to These Terms

We may update these Terms from time to time. The current version is always available on this page with the date of last revision. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

18. Contact Information

Questions about these Terms should be directed to:

• Finance Invest Plan
• 7637 W 93rd St, Overland Park, KS 66212, USA
• Phone: +1 913-385-2000
• Email: info@financeinvestplan.com