ONE FAMILY FINANCIAL, LLC

Effective Date: January 1, 2026

These Terms of Service (“Terms”) govern your use of the website and online services provided by ONE FAMILY FINANCIAL, LLC (“Company,” “we,” “us,” or “our”).

By accessing or using this website, you agree to these Terms. If you do not agree, do not use this website.

1. PROFESSIONAL CAPACITY DISCLOSURE

ONE FAMILY FINANCIAL, LLC and its representatives may act in multiple professional capacities depending on the product or service provided, including:

- Insurance agent

- Investment Advisor Representative (state registered)

- Registered Representative of a supervising broker-dealer

Services, compensation structures, and regulatory standards may differ depending on the capacity in which services are provided.

Securities products are offered through a supervising broker-dealer. Advisory services are provided pursuant to separate written agreements. Insurance products are offered through properly licensed agents.

Nothing on this website constitutes an offer to sell securities in any jurisdiction where not properly licensed.

2. NO INVESTMENT ADVICE THROUGH WEBSITE

The content provided on this website is for informational purposes only.

Nothing on this website constitutes:

- Personalized investment advice

- A recommendation to buy or sell securities

- A solicitation to transact

- Tax or legal advice

Investment decisions should be made only after direct consultation with a licensed professional and review of appropriate disclosure documents.

Past performance is not indicative of future results.

3. MARKET DATA DISCLAIMER

Market data, stock quotes, and financial information displayed on this website are provided by third-party sources.

We do not guarantee:

- Accuracy

- Completeness

- Timeliness

- Availability

Market data may be delayed. Information is provided for informational purposes only and should not be relied upon for trading decisions.

We are not liable for errors, omissions, or delays in market data.

4. CLIENT PORTAL TERMS

If you are provided access to a client portal:

You agree to:

- Maintain confidentiality of login credentials

- Notify us immediately of unauthorized access

- Use the portal only for lawful purposes

The portal may allow you to:

- View account information

- Upload documents

- Send secure messages

- Request appointments

- Sign documents electronically

The portal may NOT be used to:

- Submit trade instructions

- Change allocations

- Submit time-sensitive investment instructions

Trade instructions must be provided directly to your advisor through approved communication channels and confirmed in writing.

We are not responsible for losses arising from delayed, misdirected, or improperly submitted electronic communications.

5. ELECTRONIC COMMUNICATIONS CONSENT

By providing your contact information, you consent to receive:

- Emails

- Phone calls

- SMS/text messages

- Automated communications

Message and data rates may apply.

You may opt out of marketing emails via the unsubscribe link and opt out of text messages by replying STOP.

Consent to receive communications is not a condition of purchasing services.

6. VIDEO MEETINGS & RECORDINGS

Video meetings may be recorded. If recorded:

- You will be notified in advance

- Your consent will be required

Recordings are maintained in accordance with regulatory requirements.

7. USE OF AUTOMATED SYSTEMS

We may use automated systems, artificial intelligence, or chat tools to assist in communications.

Automated responses:

- Are not personalized investment advice

- May contain errors

- Should not be relied upon for financial decisions

All financial decisions should be confirmed directly with a licensed representative.

8. TESTIMONIALS

Testimonials and reviews reflect individual experiences and are not guarantees of future results.

Clients may not be compensated

unless disclosed.

9. LIMITATION OF LIABILITY

To the fullest extent permitted by law, ONE FAMILY FINANCIAL, LLC shall not be liable for:

- Indirect or consequential damages

- Loss of profits

- Trading losses

- Reliance on website content

- Data inaccuracies

- System outages

- Delayed communications

Your sole remedy for dissatisfaction with the website is to discontinue use.

10. INDEMNIFICATION

You agree to indemnify and hold harmless ONE FAMILY FINANCIAL, LLC and its representatives from any claims arising out of:

- Your use of the website

- Misuse of the portal

- Violation of these Terms

- Unauthorized use of your credentials

11. REGULATORY ALIGNMENT & DISPUTES

Disputes related to securities transactions may be subject to mandatory arbitration pursuant to broker-dealer agreements and FINRA rules.

Where applicable, disputes shall be governed by Tennessee law, subject to federal securities regulations and supervisory requirements.

12. INTELLECTUAL PROPERTY

All website content, including text, graphics, design, and materials, is the property of ONE FAMILY FINANCIAL, LLC and may not be copied or redistributed without permission.

13. CHANGES TO TERMS

We may update these Terms at any time. Continued use of the website constitutes acceptance of updated Terms.

14. CONTACT INFORMATION

ONE FAMILY FINANCIAL, LLC
1335 Mackey Branch Dr. Suite 103A, Chattanooga, TN 37421
Phone: (423) 710-2009
Contact Page: onefamilyfinancial.com/contact