Terms & Conditions

Effective Date:  October 1, 2025

Owner: Franklin, Sloan & Smyth Advisory Group LLC  (“FSS,” “we,” “us,” or “our”)

Contact: hello@FranklinSloanSmyth.com • 888-54-SMYTH

Address: 700 South Central Expy, Suite 400, Allen, TX 76013

1) Acceptance of Terms

By accessing our website, contacting us, or engaging our services, you agree to these Terms & Conditions and our Privacy Policy. If you disagree, do not use the site or services.

2) Who We Are

FSS is a multi-service advisory firm offering:

• Life Insurance / “Life Strategies” (we act as a licensed insurance producer/agency, not an insurer),
• HR Consulting & Compliance (business advisory services, not legal representation),
• Financial Wellness / Advisory (general education and coaching; not investment, tax, or legal advice unless expressly stated in a signed engagement).

3) No Professional or Legal Advice (Important)

Content on this site is informational. Nothing here creates an attorney-client, advisor-client, or broker-client relationship. Decisions should be made with the advice of licensed professionals familiar with your circumstances.

4) Insurance Disclosures

We are not the insurance carrier. Any quotes are illustrative only and subject to underwriting and carrier approval. Coverage, rates, and eligibility are determined solely by the carrier. Policies are not in force until all carrier requirements are satisfied and you receive written confirmation from the carrier.

5) Financial & Investment Disclosures

Unless expressly stated in a signed engagement, FSS is not acting as a registered investment adviser, broker-dealer, or tax advisor. We do not provide individualized investment recommendations on this website. Any financial education provided is general in nature.

6) Engagements, Fees & Payments

Services beyond initial consultations require a signed engagement letter (or statement of work) that governs scope, deliverables, timelines, and fees. Where applicable, invoices are due as stated on the invoice. We may use third-party payment processors; their terms apply. Refunds (if any) are governed by the engagement letter.

7) Scheduling, Cancellations & No-Shows

If a meeting is booked, please provide 24 hours’ notice to reschedule. Missed or late-cancelled appointments may incur a fee, as set forth in your engagement letter.

8) User Responsibilities

You agree to provide accurate information, use the site only for lawful purposes, and not to attempt to disrupt or reverse-engineer the site or its security.

9) Intellectual Property

All site content, branding, graphics, text, and materials are owned by FSS or our licensors and are protected by law. You may not copy, modify, or redistribute without prior written consent.

10) Third-Party Links & Tools

Links to third-party sites (including insurers, payment processors, learning resources) are provided for convenience. We do not control or endorse third-party content and are not responsible for any losses or issues arising from their use.

11) No Warranties

The site and all content are provided “as is” and “as available.” We disclaim all warranties, express or implied, including fitness for a particular purpose, non-infringement, accuracy, and availability.

12) Limitation of Liability

To the fullest extent permitted by law, FSS and its officers, managers, contractors, and affiliates shall not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages. Our total liability for any claim related to the site or services shall not exceed the fees you paid to FSS in the twelve (12) months preceding the event giving rise to the claim.

13) Indemnification

You agree to indemnify and hold harmless FSS from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your use of the site, your breach of these Terms, or your violation of any law or third-party rights.

14) Privacy; Communications; E-Sign

Your use of the site is also governed by our Privacy Policy. By contacting us or creating an account, you consent to receive service-related communications (email, SMS, phone). If we present documents electronically, you consent to electronic signatures and records where permitted by law.

15) Compliance & Licensing

We perform services only in jurisdictions where we are appropriately licensed or exempt. Availability of products or services may vary by state and carrier. We reserve the right to decline engagements that would violate law or regulation.

16) Changes to the Site and Terms

We may modify or discontinue any part of the site or services at any time. We may update these Terms by posting a revised version with a new Effective Date. Continued use after changes means you accept the updated Terms.

17) Governing Law; Dispute Resolution

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Except for claims that must be filed in small-claims court, any dispute arising out of or relating to these Terms, the site, or our services will be resolved by binding arbitration in Collin County, Texas, before a single arbitrator, under the rules of the American Arbitration Association (AAA). You and FSS waive any right to a jury trial and to participate in class actions. Each party bears its own fees unless the arbitrator awards otherwise. Judgment on the award may be entered in any court of competent jurisdiction.

18) International Use

If you access the site from outside the U.S., you are responsible for compliance with local laws. We make no representation that the site or services are appropriate or available in other locations.

19) Severability; Assignment; Entire Agreement

If any provision is found unenforceable, the remaining provisions remain in effect. You may not assign your rights without our written consent. These Terms, together with any engagement letter and our Privacy Policy, constitute the entire agreement regarding the site and services.

20) Contact Us

Questions about these Terms?

Email hello@FranklinSloanSmyth.com or call 888-54-SMYTH.