Welcome to HiWire Financial, LLC ("we," "us," "our"). By accessing or using our services, including but not limited to SMS communications, financial consulting, and retirement planning services, you agree to these Terms & Conditions. Please read them carefully.

1. Acceptance of Terms

By using our services, including our website, SMS program, and financial consulting, you acknowledge and agree to be bound by these Terms & Conditions. If you do not agree, you must discontinue use of our services immediately.

2. Description of Services

HiWire Financial, LLC provides financial consulting services, including retirement planning, wealth management education, and secure financial strategies. Our SMS program delivers updates, financial insights, and service notifications to subscribers who have provided explicit opt-in consent.

3. SMS Messaging Terms

Opting In

By subscribing to our SMS program, you consent to receive recurring automated text messages from HiWire Financial, LLC. These messages may include:

Retirement planning tips

Market insights and updates

Appointment reminders

Your consent is not a condition for purchasing our services.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any of our messages.

Once you send “STOP,” you will receive a confirmation message and will no longer receive SMS communications from us.

To re-subscribe, reply START.

Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Help & Support

If you need assistance, reply HELP to any message or contact us at:

Email:

[email protected]

Message & Data Rates

Message and data rates may apply depending on your wireless carrier.

Carrier Liability Disclaimer

Mobile carriers are not responsible for delayed or undelivered messages.

Message Frequency

The number of messages you receive will vary based on your level of engagement and specific service subscriptions.

4. Compliance with Industry Standards

Our SMS program follows A2P 10DLC compliance standards, including:

CTIA Short Code Monitoring Handbook

TCPA (Telephone Consumer Protection Act) guidelines

State & Federal consumer protection laws

5. Data Privacy & Security

Information We Collect

When you subscribe to our services, we may collect:

Your name, phone number, and email

Interaction data related to SMS messages

Any personal information provided during financial consultations

How We Use Your Information

Your data is used to:

Provide financial advisory services

Send you SMS notifications and updates

Ensure compliance with SMS regulations

Data Sharing Policy

We do not share or sell your mobile information with third parties for marketing purposes. However, we may share necessary information with:

Service providers who facilitate SMS communications

Legal or regulatory authorities when required by law

Customer support teams when addressing service-related inquiries

For details, review our Privacy Policy: https://thesafemoneyretirementguide.com/privacy-policy

6. Financial Advisory Disclaimer

All financial advice and retirement planning recommendations provided by HiWire Financial, LLC are for informational and educational purposes only. We are not responsible for any financial decisions made based on the information provided through our services.

It is your responsibility to consult with a licensed financial advisor, tax professional, or legal expert before making any investment or retirement planning decisions.

7. Third-Party Services & External Links

Our website and SMS messages may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party platforms.

8. Limitation of Liability

HiWire Financial, LLC is not liable for:

Any financial losses or damages arising from the use of our services

Delays, interruptions, or errors in SMS message delivery

Technical issues related to third-party carriers

To the fullest extent permitted by law, our liability is limited to the amount you paid for services, if applicable.

9. Indemnification

By using our services, you agree to indemnify and hold HiWire Financial, LLC and its affiliates harmless from any claims, liabilities, damages, or expenses resulting from your use of our services.

10. Changes to These Terms

We may update these Terms & Conditions at any time. Changes will be posted on our website with the "Last Updated" date. Your continued use of our services constitutes acceptance of these changes.

11. Governing Law & Jurisdiction

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of South Carolina, United States. Any disputes shall be resolved in South Carolina courts.

12. Contact Information

For questions about these Terms & Conditions, contact us at:

Email:

[email protected]