Terms of Service

1. Acceptance of Terms

By accessing or using the website of Velvet Suite Financial ("we," "our," or "us") at velvet-suite-financial.com, or by engaging our services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or services.

2. Description of Services

Velvet Suite Financial provides financial advisory, wealth management, retirement planning, tax strategy, estate planning, business advisory, and insurance consulting services. The information provided on our website is for general informational purposes and does not constitute personalized financial advice. Specific recommendations are provided only within a formal advisory relationship.

3. No Professional Advice Disclaimer

The content on this website is provided for informational purposes only and should not be construed as financial, investment, tax, legal, or other professional advice. You should consult with qualified professionals regarding your specific circumstances before making any financial decisions. Past performance is not indicative of future results.

4. Communications & SMS Consent

By providing your contact information through our website or other channels, you consent to receive communications from Velvet Suite Financial, including but not limited to:

• Email communications regarding your inquiry or our services
• SMS/text messages related to appointment scheduling, service updates, and follow-ups
• Phone calls regarding your consultation or service engagement

Message frequency varies. Message and data rates may apply. You may opt out of SMS at any time by replying STOP. For assistance, reply HELP or email william@velvet-suite-financial.com. Consent to SMS is not required to use our services.

5. Intellectual Property

All content on this website, including text, graphics, logos, design elements, and software, is the property of Velvet Suite Financial and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

6. User Responsibilities

When using our website and services, you agree to:

• Provide accurate and complete information
• Not use the website for any unlawful purpose
• Not attempt to gain unauthorized access to our systems
• Not interfere with the proper functioning of the website

7. Limitation of Liability

To the fullest extent permitted by law, Velvet Suite Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. Our total liability shall not exceed the fees paid by you for services in the twelve (12) months preceding the claim.

8. Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for convenience only and do not imply endorsement. We are not responsible for the content, privacy practices, or availability of third-party sites.

9. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law principles. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Virginia.

10. Modifications

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated date. Continued use of our website or services following changes constitutes acceptance of the revised terms.

11. Contact

For questions about these Terms of Service, please contact us: