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IMPORTANT: This document is provided as a general template for informational purposes only. It does not constitute legal advice. Consult a qualified attorney to ensure that your final Terms & Conditions comply with all applicable laws and are tailored to your specific business needs.
The articles, videos, calculators, case studies, and any references to specific securities, insurance contracts, annuities, indexed‑universal‑life policies, mutual funds, or other financial products (collectively, “Products”) on this Site are provided solely for general educational and illustrative purposes. 1 Financial Plan is not registered as an investment adviser or broker‑dealer with the U.S. Securities and Exchange Commission or any state authority and does not owe a fiduciary duty to Site users.
Nothing on the Site constitutes, and you should not construe any content as:
Any historical, hypothetical, or back‑tested performance figures are examples only. Past performance does not guarantee or reliably predict future results, and all investing involves risk, including the potential loss of principal. Forward‑looking statements are inherently uncertain; actual results may differ materially.
All information is believed accurate as of the publication date but may be incomplete or obsolete. 1 Financial Plan disclaims any duty to update such information and makes no warranty as to its accuracy or completeness. The Site may receive compensation for referrals to third‑party advisers; such compensation does not influence the educational content presented.
You are strongly encouraged to consult qualified, licensed professionals (e.g., fiduciary investment advisers, CPAs, attorneys) who can evaluate your individual circumstances. Use of this Site does not create an attorney‑client, investment‑adviser, or tax‑advisor relationship.
(a) Age & Capacity. The Site is intended only for individuals who are at least eighteen (18) years old or the age of majority in their place of residence, whichever is higher, and who have the legal capacity to enter binding contracts.
(b) Use on Behalf of an Entity. If you access the Site on behalf of a company, organization, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms; in that event, “you” also refers to the entity.
(c) Prohibited Users. You may not use the Site if (i) you are under the required age, (ii) you are barred from receiving services under the laws of the United States or other applicable jurisdictions (e.g., you appear on a U.S. sanctions list), or (iii) 1FinancialPlan has previously suspended or terminated your access for violating these Terms.
(d) Verification Rights. 1FinancialPlan reserves the right to request proof of eligibility at any time and to suspend or terminate access if we cannot verify that you meet these requirements.
(a) Accurate Information. You agree to provide, maintain, and promptly update true, accurate, current, and complete information during registration and in all interactions with the Site.
(b) Lawful & Appropriate Use. You will use the Site only for lawful purposes and in a manner that complies with (i) these Terms, (ii) all applicable federal, state, local, and international laws and regulations, and (iii) any rules or guidelines we post. You will not use the Site to transmit spam, malware, or any content that is defamatory, obscene, or otherwise objectionable.
(c) Account Security. If you create an account, you are solely responsible for safeguarding your username, password, and any other login credentials. You must (i) keep them confidential, (ii) not share them with anyone else, and (iii) immediately notify 1 Financial Plan at support@1financialplan.com if you suspect unauthorized access, use, or disclosure.
(d) Liability for Unauthorized Activity. You acknowledge that 1 Financial Plan is not liable for any loss or damage arising from unauthorized use of your credentials, whether or not you were aware of the breach, unless such unauthorized use resulted directly from 1FP’s willful misconduct.
(e) Cooperation with Investigations. You agree to cooperate fully with 1 Financial Plan in any investigation of suspected wrongdoing related to your account or use of the Site.
(a) Ownership. All content, data, software, designs, features, functionality, and materials displayed or made available on the Site—including text, graphics, photographs, logos, icons, audio, video, downloadable files, and underlying source code (collectively, “1FP Content”)—are owned by or licensed to 1 Financial Plan, LLC (“1FP”) and are protected by U.S. and international copyright, trademark, patent, trade‑secret, and other intellectual‑property (“IP”) laws.
(b) Trademarks. The names “1 Financial Plan,” “1FP,” and all related logos, product names, slogans, and designs are trademarks or service marks of 1FP or its licensors. You may not use these marks—alone or with other graphics—without our prior written consent. All other trademarks referenced on the Site are the property of their respective owners and are used for identification purposes only.
(c) Limited Personal License. Subject to your continued compliance with these Terms, 1FP grants you a limited, revocable, non‑exclusive, non‑transferable license to access and view the 1FP Content for your personal, non‑commercial, educational use only.
(d) Prohibited Uses. Except as expressly permitted in subsection (c) or by mandatory law, you may not:
1. Copy, reproduce, download, republish, upload, post, transmit, distribute, sell, rent, lease, or otherwise exploit any 1FP Content in any form or by any means;
2. Modify, translate, adapt, create derivative works from, reverse‑engineer, decompile, or disassemble any part of the Site or 1FP Content;
3. Scrape, harvest, or otherwise systematically collect data or content from the Site, whether by automated means (bots, crawlers) or otherwise;
4. Frame, mirror, or deep‑link to any portion of the Site without our prior written consent; or
5. Remove, obscure, or alter any copyright, trademark, or other proprietary notices.
(e) Reservation of Rights. Except for the limited license granted above, no right, title, or interest is transferred to you. All rights not expressly granted are reserved by 1FP and its licensors. Any use of 1FP Content other than as specifically authorized in these Terms, without the prior written permission of 1FP, is strictly prohibited and will terminate the license granted herein.
(f) Reporting Infringement. If you believe that any content on the Site infringes your IP rights, please refer to Section 8 (User‑Generated Content & DMCA Notice) for instructions on submitting a takedown request.
We grant you a limited, non‑exclusive, revocable license to access and use the Site for personal, non‑commercial purposes, subject to these Terms.
You agree not to engage in any activity that could harm, disable, overburden, or impair the Site, interfere with other users, or violate any laws or third‑party rights.
You agree not to engage in any of the following prohibited activities:
(a) reverse‑engineering, decompiling, or disassembling any part of the Site or its underlying code;
(b) commercial resale, licensing, or other exploitation of the Site, its content, or services;
(c) automated data collection, scraping, mining, or harvesting of information—whether via bots, spiders, or other technologies—without our prior written consent; and
(d) any action that disrupts, interferes with, or impairs the security, integrity, or performance of the Site, including probing, scanning, or testing for vulnerabilities.
(a) Informational Purpose Only. The Site may contain hyperlinks, widgets, embedded content, or API connections (collectively, “Links”) that lead to or display third‑party websites, software, products, or resources (“Third‑Party Services”). These Links are provided solely as a convenience and for informational purposes.
(b) No Control or Endorsement. 1 Financial Plan does not own, operate, or control any Third‑Party Services and does not endorse, guarantee, or assume responsibility for (i) their content, accuracy, legality, security, or availability, (ii) any products or services advertised or offered, or (iii) any loss or damage that may arise from your use of them.
(c) Separate Terms & Privacy Policies. Your interactions with Third‑Party Services are governed by their own terms, privacy policies, and security practices, not ours. Before engaging, you should review those documents and make sure you are comfortable with them.
(d) Affiliate & Referral Disclosure. Some Links may generate referral fees, sponsorships, or other compensation for 1 Financial Plan. Such compensation does not influence our editorial content, but it may affect how Links are displayed.
(e) Use at Your Own Risk. By following a Link, you assume all risk associated with accessing or using any Third‑Party Service, including the risk of malware, phishing, or data loss. 1 Financial Plan will not be liable for any harm arising from your dealings with third parties.
(a) License Grant. By submitting, posting, uploading, or otherwise providing any text, images, video, audio, code, or other materials (“User‑Generated Content” or “UGC”) to the Site, you grant 1 Financial Plan, LLC (“1FP”) a perpetual, irrevocable, worldwide, non‑exclusive, royalty‑free license (with the right to sublicense) to use, reproduce, host, store, display, perform, publish, translate, adapt, modify, create derivative works from, distribute, and otherwise exploit that UGC in any media or distribution method now known or later developed, for any lawful purpose related to the Site and 1FP’s business.
(b) Right to Remove or Refuse UGC. 1FP reserves the unfettered right, at any time and for any reason or no reason, to edit, refuse, remove, disable access to, or delete any UGC—with or without prior notice—if 1FP, in its sole discretion, believes the UGC (i) violates these Terms, (ii) infringes intellectual‑property rights, (iii) is otherwise objectionable, or (iv) could expose 1FP or its users to liability.
(c) DMCA Takedown Procedure. 1FP respects the intellectual‑property rights of others and expects users to do the same. Pursuant to the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512, 1FP will respond expeditiously to claims of copyright infringement committed using the Site if such claims are reported to 1FP’s designated DMCA agent (“Copyright Agent”) as set forth below.
DMCA Agent for 1 Financial Plan:
A proper DMCA notice must include all of the following (17 U.S.C. § 512(c)(3)):
Upon receipt of a valid notice, 1FP will remove or disable access to the allegedly infringing material and may, in its discretion, notify the user who posted it. Counter‑Notification: If you believe your removed content is not infringing, you may send a written counter‑notice pursuant to 17 U.S.C. § 512(g) to the Copyright Agent, containing:
If 1FP receives a valid counter‑notice, it may restore the removed material within 10 business days unless the original complainant seeks a court order to restrain such restoration.
THE SITE, ITS CONTENT, AND ALL FEATURES, FUNCTIONALITY, AND SERVICES MADE AVAILABLE THROUGH IT (COLLECTIVELY, “THE SERVICE”) ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS, WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO:
You use the Service entirely at your own risk. 1 Financial Plan expressly disclaims any liability for loss or damage caused by (a) reliance on information obtained through the Service; (b) incompatibility between the Service and your hardware, software, or network; or (c) the transmission of viruses, malicious code, or harmful data.
Some jurisdictions do not allow the exclusion of certain warranties. To the extent that applicable law does not permit such exclusions, the warranties excluded above shall be excluded to the fullest extent permitted by law, and any mandatory warranties shall be limited in duration to the minimum period allowed.
To the fullest extent permitted by law, 1FinancialPlan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or relating to your use of the Site.
1FinancialPlan.com may, at a user’s request, facilitate introductions to third‑party retirement‑advisory firms (“Advisors”). 1FinancialPlan is not a party to any agreement between you and an Advisor and does not supervise, endorse, guarantee, or assume responsibility for any advice, services, or actions of an Advisor. All engagements are made solely between you and the Advisor. 1FinancialPlan receives no compensation contingent on the outcome of any consultation, makes no representations regarding the Advisor’s qualifications, and shall not be liable for (a) any act or omission of an Advisor or (b) any loss, cost, or damage arising out of or in connection with advice or services provided by an Advisor. Users are urged to conduct their own due diligence and to obtain their own professional legal, tax, and financial counsel before acting on any Advisor’s recommendations.
(a) Scope. You agree to indemnify, defend, and hold harmless 1 Financial Plan, LLC (“1FP”), its parent and subsidiary entities, and each of their respective directors, officers, employees, contractors, licensors, service providers, and agents (collectively, the “Indemnified Parties”) from and against any and all claims, demands, causes of action, liabilities, losses, damages, judgments, costs, and expenses—including reasonable attorneys’ fees and court costs—that arise from or relate to:
(b) Defense & Control. 1FP reserves the right to assume exclusive control of the defense and settlement of any matter subject to indemnification. You agree to cooperate fully—at your own expense—in asserting available defenses.
(c) Settlement. You may not settle any claim that imposes an obligation on, or admits liability on behalf of, any Indemnified Party without 1FP’s prior written consent. 1FP will not unreasonably withhold such consent.
(a) Policy Incorporated by Reference. Your use of the Site is also governed by our Privacy Policy, which is hereby incorporated into these Terms. The Privacy Policy explains in detail what personal information we collect, how we use it, the limited circumstances under which we share it, and the choices you have.
(b) Consent to Processing & Tracking Technologies. By accessing or using the Site, you consent to the collection, use, disclosure, and processing of your information—including through cookies, pixels, local storage, and similar technologies—for the purposes described in the Privacy Policy, such as analytics, personalization, marketing, and security. You may manage cookie preferences via your browser settings or our on‑site cookie banner, but disabling cookies may impair Site functionality.
(c) Categories of Data Collected. We may collect (i) information you provide directly (e.g., name, email, phone, retirement goals), (ii) device and usage data (e.g., IP address, browser type, pages visited), and (iii) information from third‑party sources (e.g., marketing partners) as described in the Privacy Policy.
(d) Data Sharing & Third‑Party Service Providers. We share data only with (i) vendors and cloud providers that perform services for us under contractual confidentiality obligations, (ii) analytics and advertising partners, and (iii) third‑party advisors when you explicitly request an introduction. We do not sell personal information for monetary consideration. See the Privacy Policy for details.
(e) International Transfers. Your information may be processed and stored in the United States and other countries that may have data‑protection laws that differ from those in your jurisdiction. We use legally recognized transfer mechanisms (e.g., Standard Contractual Clauses) when required.
(f) Security. We employ reasonable technical and organizational measures—such as encryption in transit, access controls, and periodic security assessments—to protect your information. However, no Internet transmission or storage system can be guaranteed 100% secure, and you use the Site at your own risk.
(g) Your Privacy Rights. Depending on where you reside, you may have rights to access, correct, delete, or restrict processing of your personal information, or to opt out of certain data uses (e.g., targeted advertising). Instructions for exercising these rights are provided in the Privacy Policy or via email at support@1financialplan.com.
(h) Retention. We retain personal information only as long as necessary to fulfill the purposes outlined here and in the Privacy Policy, unless a longer period is required or permitted by law.
(i) Independent Advisors’ Privacy Practices. Any personal data you voluntarily provide to third‑party advisors introduced through the Site is governed by that advisor’s own privacy policy, not ours. 1 Financial Plan is not responsible for how those advisors collect, use, or secure your information.
We reserve the right to modify these Terms at any time. Changes become effective when posted, and your continued use of the Site signifies acceptance of the updated Terms.
These Terms are governed by and construed in accordance with the laws of the State of Massachusetts, without regard to its conflict‑of‑law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Norfolk County, Massachuetts.
If you have questions about these Terms, please contact us at: support@1financialplan.com.
(a) No Registration or Membership. 1 Financial Plan, LLC (“1FP”) is not registered as an investment adviser or broker‑dealer with the U.S. Securities and Exchange Commission (“SEC”) or any state securities authority and is not a member of the Financial Industry Regulatory Authority (“FINRA”) or any self‑regulatory organization.
(b) No Fiduciary Relationship. Because 1FP is unregistered, no fiduciary, advisory, or agency relationship—and no offer to provide such services—arises from your use of this Site.
(c) Illustrative‑Only Performance Information. Any performance data, projections, charts, case studies, or back‑tested results published on the Site (collectively, “Performance Materials”) are hypothetical, historical, or illustrative in nature. They do not constitute (i) guarantees of future returns, (ii) recommendations to buy, sell, or hold any security or insurance product, or (iii) a representation that any investor will or is likely to achieve profits or losses similar to those shown.
(d) Forward‑Looking Statements. Performance Materials may contain “forward‑looking statements” (including words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” or similar expressions). Actual results may differ materially due to market conditions and other factors beyond 1FP’s control. 1FP expressly disclaims any duty to update such statements.
(e) Investment Risk Acknowledgement. All investments involve risk, including the potential loss of principal. Past performance is not indicative of, nor a guarantee of, future results. You are solely responsible for evaluating the merits and risks associated with any financial decision and should consult a qualified, licensed professional before investing.
(a) Our Right to Suspend or Terminate. 1 Financial Plan, LLC (“1FP”) may, at any time and in its sole discretion, with or without notice, suspend, deactivate, or terminate your account or access to all or part of the Site for any reason, including but not limited to:
1. Violation of these Terms or any applicable law or regulation;
2. Unlawful, fraudulent, abusive, or harassing behavior;
3. Conduct that threatens the security, integrity, or performance of the Site or its users;
4. Requests by law‑enforcement or other government agencies; or
5. Extended periods of inactivity ( ≥ 12 months) on a registered account.
(b) Effect of Suspension or Termination. Upon suspension or termination:
1. Your right to use the Site immediately ceases and any licenses granted to you under these Terms automatically terminate.
2. 1FP may permanently delete or disable access to any data or User‑Generated Content associated with your account, except to the extent 1FP is required or permitted by law to retain it.
3. Sections that, by their nature, should survive—including Intellectual Property, No Warranties, Limitation of Liability, Indemnification, Dispute Resolution, and Entire Agreement—will remain in force.
(c) No Liability. 1FP shall not be liable to you or any third party for any suspension, termination, deletion of data, or refusal to provide access to the Site.
(d) Your Right to Terminate. You may terminate these Terms at any time by ceasing all use of the Site and, if applicable, by deleting your account. Termination does not affect obligations incurred before the termination date.
(e) Appeal Process. If you believe your account was suspended or terminated in error, you may email support@1financialplan.com within 14 days of notice. 1FP will review and, at its discretion, may reinstate access.
The Site is controlled and operated from the United States. If you access the Site from outside the U.S., you do so at your own initiative and are responsible for compliance with local laws. We make no representation that the content is appropriate or available in other jurisdictions.
If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable—either in whole or in part—that provision shall be construed, limited, or, if necessary, severedto the minimum extent required so that the remaining provisions of these Terms continue in full force and effect and achieve, as nearly as possible, the original economic, legal, and commercial intent of the parties. The parties further agree that any invalid or unenforceable provision shall be replaced with a valid and enforceable provision that most closely reflects the original purpose and intent of the offending clause.
These Terms, together with our Privacy Policy and any additional terms we post, constitute the entire agreement between you and 1FinancialPlan regarding the Site, superseding any prior agreements or communications.
My Financial Plan is owned and operated by Hariri Financial Services Corporation.