Terms of Service

1. Agreement to terms

These Terms of Service govern your access to and use of the website at bbfinsec.com (the "Site"), including articles, downloads, forms, quizzes, and any other content or features offered by Black Belt Financial Security ("we," "us," or "our"). By using the Site, you agree to these terms. If you do not agree, please do not use the Site.

2. What we provide

The Site provides educational content about investments, retirement, insurance, taxes, college planning, estate planning, and related financial topics. You may also use contact forms to request information, subscribe to updates, or download free PDF guides.

We do not provide personalized investment, tax, or legal advice through the Site unless you have entered into a separate written advisory agreement with us. Information on the Site is general and may not apply to your specific situation.

3. Use of the site

You may use the Site for lawful, personal, non-commercial purposes. You agree not to:

• Use the Site in any way that violates applicable law or regulation.
• Attempt to interfere with the Site's operation, security, or availability.
• Submit false, misleading, or fraudulent information through any form.
• Scrape, copy, or systematically collect content from the Site without our written permission.
• Use the Site to distribute unsolicited commercial communications or malware.

4. Accounts and communications

Some features, such as the admin consent-log dashboard, may require an account and are intended only for authorized Black Belt Financial Security personnel. If you are granted access to an account, you are responsible for keeping your credentials confidential and for all activity under your account.

By submitting your email address through a contact or download form, you consent to receive follow-up communications related to your request. You can opt out at any time by replying to any email or contacting us at info@bbfinsec.com.

5. Intellectual property

All content on the Site — including articles, PDFs, graphics, logos, text, and code — is owned by Black Belt Financial Security or used with permission. You may view, download, and print content for personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works from our content without written permission, except as allowed by law.

6. Third-party links and services

The Site may contain links to third-party websites, resources, or service providers (for example, Google reCAPTCHA, regulatory sites, or market-data sources). We are not responsible for the content, terms, or practices of those third parties. Your use of third-party services is governed by their respective terms and policies.

7. Disclaimers

Content on the Site is provided for educational and informational purposes only. It is not individualized investment, tax, legal, or financial advice. You should consult a qualified professional before making financial decisions.

We make reasonable efforts to keep the Site accurate and available, but we do not guarantee that the Site will be error-free, uninterrupted, secure, or completely accurate. Use of the Site is at your own risk.

Past performance or market commentary is not a guarantee of future results. Investing involves risk, including the possible loss of principal.

8. Limitation of liability

To the fullest extent permitted by law, Black Belt Financial Security and its representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Site or reliance on any content on the Site.

In any event, our total liability for any claim arising from or related to the Site will not exceed the amount you paid us to use the Site, which is typically zero for general visitors.

9. Indemnification

You agree to indemnify and hold harmless Black Belt Financial Security, its affiliates, and representatives from any claims, damages, or expenses arising out of your use of the Site, violation of these terms, or violation of any third-party rights.

10. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these terms or is harmful to us or other users. Upon termination, the provisions that by their nature should survive will continue to apply.

11. Governing law

These terms are governed by the laws of the State of Washington, United States, without regard to conflict-of-law principles. Any dispute arising from these terms or your use of the Site will be resolved in the courts located in Washington State.

12. Changes to these terms

We may update these Terms of Service from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after changes are posted means you accept the updated terms. We encourage you to review this page periodically.

13. Contact us

Questions about these Terms of Service? Email us at info@bbfinsec.com.

Educational content only; not individualized investment, tax, or legal advice. These terms describe current practices and controls on bbfinsec.com and may be updated as our services or the underlying platform evolve.