Terms & Services

These Terms & Services ("Terms") govern your access to and use of the website located at giannimorgan.com (the "Site") operated by Gianni Morgan Financial Advisory ("GMFA," "we," "us," or "our"). By accessing the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Definitions

"Client" means an individual or entity that has executed a written advisory agreement with GMFA. "Visitor" means any user of the Site who is not a Client. "Services" means investment advisory, financial planning, consulting, and related fiduciary or non-fiduciary services offered by GMFA subject to separate agreements.

2. Nature of Website Content

Content on the Site—including articles, calculators, case studies, statistics, and downloadable materials—is provided for general informational and educational purposes only. Nothing on the Site constitutes personalized investment, tax, legal, or insurance advice. You should consult qualified professionals before making financial decisions. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.

3. No Client Relationship via Website

Submitting a contact form, subscribing to a newsletter, or emailing hello@giannimorgan.com does not create a client relationship. A client relationship begins only after GMFA accepts you in writing, completes required regulatory disclosures, and both parties sign an advisory agreement.

4. Eligibility

The Site is directed to users located in the United States. You must be at least 18 years old to use the Site. By using the Site, you represent that you meet these requirements.

5. Advisory Services

Specific Services, fees, scope, and fiduciary status are defined exclusively in your investment advisory contract and Form ADV disclosures. GMFA may offer financial planning, investment management, retirement planning, tax planning coordination, risk management review, and wealth preservation consulting. Services may be provided remotely via secure technology. GMFA does not guarantee specific investment outcomes or account performance.

6. Fees and Compensation

Website visitors are not charged fees for browsing content. Client fees may include asset-based advisory fees, fixed planning fees, or hourly consulting fees as described in your agreement and ADV Part 2A brochure. Third-party custodians, fund managers, and platform providers may charge separate fees not controlled by GMFA. Full fee schedules are provided before engagement.

7. Conflicts of Interest

GMFA strives to identify and mitigate conflicts of interest. Where conflicts cannot be avoided, we disclose them in writing. Clients may request additional explanation regarding compensation, referral arrangements, or material conflicts at any time via hello@giannimorgan.com.

8. Intellectual Property

All Site content, trademarks, logos, graphics, and software are owned by GMFA or licensors and protected by copyright and trademark laws. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit Site content without prior written consent.

9. User Conduct

You agree not to: (a) use the Site unlawfully; (b) attempt unauthorized access to systems or data; (c) transmit malware or harmful code; (d) scrape or harvest data through automated means without permission; (e) impersonate GMFA personnel; or (f) interfere with Site security or performance.

10. Third-Party Links

The Site may link to third-party websites for convenience. GMFA does not endorse or control third-party content and is not responsible for their practices. Access linked sites at your own risk.

11. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. GMFA DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GMFA AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM SITE USE. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES RELATED TO SITE USE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100), EXCEPT WHERE LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW.

13. Indemnification

You agree to indemnify and hold harmless GMFA from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the Site.

14. Arbitration and Governing Law

Except where prohibited, disputes arising from these Terms or Site use shall be resolved through binding arbitration administered under applicable AAA rules in a mutually agreed U.S. jurisdiction. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, subject to mandatory consumer protections in your state of residence.

15. Regulatory Notices

GMFA is an investment adviser registered or notice-filed as required under federal and state securities laws. Registration does not imply a certain level of skill or training. Additional information is available upon request and in Form ADV disclosures provided to clients.

16. Electronic Communications

By contacting us electronically, you consent to receive responses via email. While we use reasonable safeguards, email is not fully secure; avoid sending account numbers or passwords via unencrypted email.

17. Modifications

We may revise these Terms at any time by posting an updated version with a new effective date. Continued use after changes constitutes acceptance. Material changes affecting clients may also be communicated through advisory agreements or direct notice where required.

18. Severability

If any provision is held invalid, remaining provisions remain in effect.

19. Testimonials and Case Studies

Testimonials and case studies are provided for illustrative purposes. They do not represent a guarantee of future performance or outcomes. Individual experiences vary based on goals, risk tolerance, market conditions, and implementation discipline.

20. Market Data and Third-Party Content

Market data, indices, and economic commentary may be delayed or sourced from third parties. GMFA does not warrant accuracy or completeness of third-party data. Investment decisions should not rely solely on Site content.

21. Account Security Responsibilities

Clients are responsible for safeguarding credentials to custodial accounts and secure portals maintained by third parties. Notify us immediately at hello@giannimorgan.com if you suspect unauthorized access related to advisory communications.

22. Force Majeure

GMFA is not liable for delays or failures caused by events beyond reasonable control, including natural disasters, internet outages, cyber incidents, government actions, or pandemics.

23. Entire Agreement for Site Use

These Terms, together with the Privacy Policy, constitute the entire agreement regarding Site use by Visitors. Written advisory agreements govern Client relationships and prevail in case of conflict with general Site terms.

24. Contact

Questions regarding these Terms: hello@giannimorgan.com