Terms of Use
1. Introduction and Acceptance of Terms
Welcome to Southern Crest Personal Finance Management, LLC ("Southern Crest," "we," "us," or "our").
These Terms of Use ("Terms") govern your access to and use of our website, including its content, features, and communication forms (collectively, the "Website").
By accessing or using this Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.
Southern Crest reserves the right to modify these Terms periodically. Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms.
2. Website Information Is for General Informational Purposes
The information presented on this Website is intended to provide a general overview of Southern Crest and its services.
Website content does not constitute individualized financial, investment, tax, legal, medical, or insurance advice.
Although we strive to provide accurate and current information, we do not warrant that all Website content is complete, error-free, or suitable for any particular purpose.
Visitors should consult appropriately licensed or qualified professionals regarding decisions requiring specialized advice.
3. No Professional or Client Relationship Established
Accessing this Website, submitting an inquiry, scheduling a consultation, or communicating with Southern Crest does not, by itself, establish a client relationship, fiduciary relationship, agency relationship, or other professional engagement.
Professional services begin only after Southern Crest and the client have agreed to the applicable engagement terms and any required authorizations or legal documentation have been completed.
Any professional engagement will be governed by a separate written agreement setting forth the services, responsibilities, fees, authorizations, and applicable limitations.
If a conflict exists between these Website Terms and an executed client agreement concerning professional services, the executed client agreement will govern those services.
4. Confidentiality and Privacy
Southern Crest recognizes the importance of privacy, confidentiality, and discretion in managing personal financial and administrative matters.
Information submitted through the Website will be handled in accordance with our Privacy Policy and applicable law.
However, ordinary email and general Website contact forms may not provide an appropriate method for transmitting highly sensitive financial, identity, or medical information.
Please do not submit Social Security numbers, bank account credentials, passwords, detailed medical records, or other highly sensitive information through general Website forms or unsecured email.
When confidential documents are required, Southern Crest will arrange an appropriate method for their submission.
Our commitment to protecting confidential information is also governed by applicable client agreements, professional obligations, and law.
5. User Responsibilities and Acceptable Use
By using this Website, you agree to:
Provide accurate information when contacting Southern Crest.
Use the Website only for lawful purposes.
Respect the privacy and rights of others.
Refrain from introducing viruses, malicious software, or harmful code.
Refrain from attempting unauthorized access to the Website or related systems.
Avoid interfering with the Website's operation, security, or accessibility.
Avoid impersonating another individual or misrepresenting your authority to act on another person's behalf.
Southern Crest may restrict access to the Website in response to suspected misuse or security concerns.
6. Intellectual Property
Unless otherwise indicated, the Website's original text, graphics, logos, branding, design elements, and other proprietary materials belong to Southern Crest or are used with permission.
These materials are protected by applicable intellectual property laws.
Visitors may view, download, or print Website materials for lawful, personal, noncommercial informational use, provided that applicable ownership notices are preserved.
Reproduction, modification, commercial distribution, or unauthorized use of proprietary materials requires prior written permission.
7. Third-Party Websites and Services
This Website may contain links to third-party websites, professional organizations, scheduling tools, or external resources.
These websites and services are operated independently and may have their own terms, privacy policies, and security practices.
Southern Crest does not control and is not responsible for third-party content, availability, or data practices.
Providing a link does not necessarily imply endorsement, sponsorship, or affiliation.
8. Website Availability and Security
Southern Crest endeavors to maintain a reliable and secure Website but does not guarantee uninterrupted availability, error-free operation, or protection against every potential cybersecurity threat.
We may update, suspend, or modify Website functionality when reasonably necessary.
Visitors are responsible for maintaining appropriate protections on their own devices and internet connections.
9. Disclaimer of Warranties
To the extent permitted by applicable law, the Website and its informational content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.
Nothing in these Terms excludes any warranty, right, or obligation that cannot lawfully be excluded.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Southern Crest shall not be liable for indirect, incidental, special, or consequential damages arising solely from access to or use of this Website, including temporary service interruptions, technical failures, or reliance on general Website information.
This provision does not limit liability that cannot lawfully be excluded, including liability arising from applicable fiduciary duties, intentional misconduct, or other legally non-waivable obligations.
Liability arising from professional client services will be addressed under the applicable engagement agreement and governing law.
11. Privacy Policy
Our collection and handling of personal information through this Website are described in our separate Privacy Policy, available through a link on this Website.
The Privacy Policy is incorporated by reference for purposes of describing our Website data practices.
12. Governing Law
These Terms shall be governed by the laws of the State of Georgia, without regard to conflict-of-law principles, except where applicable law requires otherwise.
Any disputes concerning these Terms will be subject to applicable law and the jurisdiction of courts authorized to hear such disputes.
13. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.
14. Contact Information
Questions regarding these Terms may be directed to:
Southern Crest Personal Finance Management, LLC
PO Box 28933, Atlanta, Georgia 30328
Phone: (678) 370-2774
Email: info@southerncrestpfm.com