Terms of Service

Welcome to the Karifaela Financial Group website. By accessing and using this website, you agree to comply with and be bound by the following terms and conditions.

1. Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use this website.

2. Description of Services

Karifaela Financial Group provides financial advisory, wealth management, tax planning, retirement planning, business advisory, estate planning, and insurance services. The information on this website is for general informational purposes only and does not constitute financial advice.

3. No Financial Advice

The content on this website is intended for informational purposes only and should not be construed as personalized financial, investment, tax, or legal advice. Consult with a qualified professional before making any financial decisions. Past performance does not guarantee future results.

4. User Obligations

When using our website and services, you agree to:

• Provide accurate and truthful information
• Use the website only for lawful purposes
• Not interfere with or disrupt the website's operation
• Not attempt to gain unauthorized access to any portion of the website
• Not reproduce, duplicate, or exploit any portion of the website without written permission

5. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Karifaela Financial Group and is protected by intellectual property laws. You may not use, reproduce, or distribute any content without our prior written consent.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these websites. Accessing third-party links is at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, Karifaela Financial Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website or our services.

8. Indemnification

You agree to indemnify and hold harmless Karifaela Financial Group, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the website or violation of these terms.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

10. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to this website. Your continued use of the website constitutes acceptance of the updated terms.

11. Contact Information

For questions about these Terms of Service, please contact us at:

• Email: financeiro@karifaela.com
• Phone: 413-735-2776
• Address: 274 Hilltop Street, Springfield, PA 01103