Terms of Use

Updated - August 25, 2025

1. Acceptance of Terms

By accessing Liberty Financial’s website, educational material, SMS communication, or booking an educational appointment, you agree to comply with these Terms of Use. If you do not agree with these terms, you should discontinue use of all Liberty Financial services.

Liberty Financial operates solely as a financial education resource. We do not provide credit decisions, tax advice, or legal advice.

2. Definitions

For clarity in these Terms:

  • “Educational Services” refers to non-advisory financial literacy content and optional appointment-based guidance.

  • “User,” “You,” or “Your” refers to any individual who accesses Liberty Financial resources or communication channels.

  • “Communication Services” refers to SMS, email, or appointment notifications provided strictly for educational reminders and informational engagement.

3. Educational Purpose Only

All information provided is for general financial education only and should not be considered financial, legal, credit repair, or tax advice.

  • Liberty Financial is not a lender, law firm, tax agency, or credit repair organization.

  • You are encouraged to consult licensed professionals for financial, legal, or tax decisions.

  • Engaging with our materials does not create a client, advisor, or fiduciary relationship.

4. Eligibility and User Responsibilities

To use Liberty Financial’s educational services, you agree to:

  • Be 18 years or older

  • Provide accurate information when voluntarily opting in for educational communication

  • Use the website and communication services for lawful, educational purposes only

5. Communication and SMS Consent

By providing your phone number or email and opting in, you agree to receive educational messages and appointment reminders only.

  • Message and data rates may apply

  • Text STOP to immediately opt-out

  • Text HELP for assistance or email support@golibertyfinancial.com

  • No promotional, sales, or loan-related solicitations will be sent

  • Message frequency varies based on engagement or scheduled education reminders

6. Permitted Use of Content

All educational resources, written materials, and communication provided by Liberty Financial are for personal learning use only. You agree not to:

  • Copy, redistribute, or claim ownership of educational content

  • Use Liberty Financial’s name, branding, or communication systems for business or solicitation purposes

  • Misrepresent Liberty Financial as a lender, or lender affiliate.

7. Prohibited Activities

You agree not to engage in any of the following:

  • Attempting unauthorized access to communication tools or restricted areas

  • Submitting misleading or fraudulent information

  • Using Liberty Financial’s name or communication channels to imply lending or legal authority

  • Attempting to reverse-engineer or extract internal systems or data

8. Appointment Scheduling and Educational Sessions

If you choose to schedule an educational appointment:

  • Appointments are strictly informational, intended to provide general financial understanding

  • Scheduling does not create a professional service contract or advisory agreement

  • Liberty Financial reserves the right to decline or reschedule educational sessions in compliance contexts

9. Intellectual Property Rights

All educational content, messaging scripts, website copy, visual elements, and communication templates are the exclusive property of Liberty Financial.

  • You may not duplicate, modify, or republish content without written permission.

  • Unauthorized reproduction or misrepresentation may result in restricted access or legal notice under Arizona law.

10. Legal/Tax/Financial Disclaimer

Liberty Financial does not provide legal representation, tax services, or credit repair.

  • All educational material is general in nature and may not apply to individual financial circumstances.

  • You assume full responsibility for decisions made based on educational content.

11. Limitation of Liability

To the fullest extent permitted by Arizona law, Liberty Financial shall not be held liable for any financial loss, misunderstanding, or decision made based on educational material or messaging content.

You acknowledge that educational guidance is not a substitute for professional advice.

12. Service Modifications and Availability

Liberty Financial reserves the right to modify, update, or discontinue any educational service or communication system at any time to maintain compliance and operational effectiveness.

13. Termination of Access

We reserve the right to suspend or terminate user access if misuse, misrepresentation, or non-compliant activity is detected, especially relating to SMS policies or representation of service scope.

14. Governing Law and Dispute Resolution

These Terms of Use are governed by the laws of the State of Arizona, USA.

Any disputes shall be handled through Arizona-based resolution channels and interpreted under Arizona state guidelines.

15. Severability

If any provision within these Terms is deemed invalid or unenforceable under Arizona law, the remaining provisions shall continue in full effect.

16. Updates to Terms

We may update these Terms of Use periodically to reflect compliance standards and educational service improvements. Continued use constitutes acceptance of the revised terms.

17. Contact Information

For compliance inquiries, educational service support, or clarification of these Terms, contact: support@golibertyfinancial.com