TERMS OF USE & SERVICE

Last Updated: August 24, 2026

Welcome to the website of Safe Harbor Financial Group, Inc. (“Safe Harbor Financial Group,” “Safe Harbor,” “we,” “us,” or “our”).

These Terms of Use & Service (“Terms”) govern your access to and use of www.safeharborfinancialgrp.com and the information, features, forms, educational materials, event registrations, communications, and other services made available through the Website (collectively, the “Website” or “Services”).

Please read these Terms carefully.

By accessing or using the Website, you acknowledge that you have read, understand, and agree to these Terms. If you do not agree to these Terms, please do not use the Website.

1. PURPOSE OF THE WEBSITE

Safe Harbor Financial Group provides retirement-planning and insurance-related information and services.

The Website is designed primarily to:

  • Provide general educational information regarding retirement and related topics

  • Describe Safe Harbor Financial Group and its services

  • Provide information about educational seminars and events

  • Allow visitors to request seminar reservations

  • Allow visitors to request consultations, appointments, or annual reviews

  • Allow visitors to contact Safe Harbor Financial Group

Information provided on this Website is for general informational and educational purposes unless expressly stated otherwise.

2. NO CLIENT RELATIONSHIP CREATED BY WEBSITE USE

Visiting this Website, submitting a contact form, requesting information, requesting a seminar reservation, communicating with us, or receiving general information from us does not by itself establish an insurance agent-client, advisory, fiduciary, or other professional relationship.

A client relationship arises only when appropriate agreements, applications, or other required documentation have been completed and accepted, where applicable.

3. INSURANCE AND FINANCIAL INFORMATION DISCLAIMER

Information available through this Website is general in nature and is not intended as individualized financial, investment, insurance, legal, accounting, or tax advice.

Any insurance recommendation must take into consideration an individual's circumstances, objectives, needs, eligibility, and other relevant factors.

Insurance products are subject to applicable policy terms, conditions, exclusions, limitations, surrender charges, availability, and the claims-paying ability of the issuing insurance company.

No statement on this Website should be interpreted as a guarantee of investment or insurance results, future performance, income, growth, or financial outcomes.

Past performance, where referenced, does not guarantee future results.

You should consult appropriate qualified professionals regarding your individual financial, legal, accounting, or tax circumstances.

4. INSURANCE LICENSING AND PRODUCT AVAILABILITY

Safe Harbor Financial Group, Inc. and its insurance professionals may conduct insurance business only in jurisdictions in which they are appropriately licensed and only with respect to products approved or otherwise permitted for sale in those jurisdictions.

The availability of information on this Website should not be interpreted as an offer, solicitation, or recommendation of an insurance product in a jurisdiction where such activity would be unlawful or unauthorized.

Insurance products, features, rates, bonuses, benefits, and availability may vary by state and may change.

5. NO SECURITIES OFFER OR INVESTMENT ADVICE

Nothing on this Website constitutes an offer to buy or sell securities.

The provision of investment advice regarding securities may only be conducted by an appropriately licensed or otherwise authorized individual through an appropriately licensed entity where required by law.

Website content concerning markets, retirement strategies, rates, economic conditions, or financial concepts is provided for general educational purposes and should not be relied upon as individualized investment advice.

6. ACCURACY OF INFORMATION

Safe Harbor Financial Group endeavors to provide useful and accurate information. However, financial, insurance, tax, legal, regulatory, economic, and product information can change over time.

We do not warrant or guarantee that all Website information is complete, current, accurate, or applicable to your particular circumstances.

Errors or omissions may occur.

We reserve the right to modify, correct, remove, or update Website content at any time without notice.

Before making any financial or insurance decision, you should confirm material information directly with Safe Harbor Financial Group, the applicable insurance carrier, and other appropriate professionals.

7. EDUCATIONAL SEMINARS AND EVENTS

Safe Harbor Financial Group may provide information regarding seminars, dinners, educational presentations, client appreciation events, and other events.

Submitting a reservation request through the Website does not guarantee admission or availability.

Reservations may be subject to confirmation by Safe Harbor Financial Group.

Event dates, locations, speakers, topics, availability, and other details are subject to change.

Unless expressly stated otherwise, educational events are intended to provide general information and do not constitute individualized financial, legal, tax, accounting, or investment advice.

8. ACCEPTABLE USE

You agree to use this Website only for lawful purposes.

You may not:

  • Attempt to gain unauthorized access to the Website, servers, systems, or data

  • Interfere with or disrupt Website operation

  • Introduce viruses, malware, malicious code, or other harmful material

  • Use automated tools to scrape, harvest, or extract information from the Website without authorization

  • Attempt to collect personal information about other Website users

  • Impersonate another individual or organization

  • Submit false, fraudulent, misleading, or unlawful information

  • Use Website content for an unlawful or unauthorized commercial purpose

  • Engage in conduct that could damage, disable, overburden, or impair the Website

We may restrict or terminate access where we reasonably believe these Terms have been violated.

9. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Website and its content—including text, graphics, design elements, photographs, videos, educational materials, logos, and other materials—are owned by or licensed to Safe Harbor Financial Group and are protected by applicable intellectual property laws.

You may access and use Website content for your personal, non-commercial informational use.

You may not reproduce, republish, distribute, modify, sell, license, publicly display, or commercially exploit Website content without prior written permission from Safe Harbor Financial Group or the applicable rights holder.

Nothing in these Terms transfers any ownership interest in Website content to you.

10. THIRD-PARTY WEBSITES AND SERVICES

The Website may contain links to websites or resources maintained by third parties, including insurance carriers, event venues, social media platforms, scheduling services, or other organizations.

Links are provided for convenience and informational purposes.

Safe Harbor Financial Group does not control third-party websites and is not responsible for their availability, accuracy, content, security, privacy practices, products, services, or terms.

Your use of a third-party website is governed by that third party's terms and privacy policies.

The inclusion of a link does not necessarily constitute an endorsement of the third party or its content.

11. PRIVACY

Your use of the Website is also subject to our Privacy Policy, which describes how we collect, use, disclose, and protect personal information.

By submitting information through the Website, you acknowledge that such information will be handled in accordance with our Privacy Policy and applicable law.

12. EMAIL COMMUNICATIONS

If you provide your email address, we may communicate with you regarding inquiries, appointments, seminars, client services, educational information, or other matters you request.

Where permitted by law, we may also send marketing or informational communications.

You may unsubscribe from marketing emails by using the unsubscribe link included in the applicable message or by contacting us.

Opting out of marketing messages will not necessarily prevent communications relating to appointments, transactions, client service, or other non-marketing matters.

13. TEXT MESSAGE TERMS OF SERVICE

If you voluntarily provide your mobile telephone number and affirmatively opt in to receive text messages from Safe Harbor Financial Group, you authorize us to send text messages to that number as described at the time of your consent.

Messages may relate to:

  • Seminar and event registrations

  • Reservation confirmations

  • Appointment scheduling and reminders

  • Client events

  • Office updates

  • Educational information

  • Products or services where permitted by law

Message frequency varies. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

Opting Out

You may opt out of text messages at any time by replying STOP to a message from us or by otherwise contacting Safe Harbor Financial Group and clearly requesting that text messages stop.

After opting out, you may receive one additional message confirming your request.

Help

You may reply HELP for assistance or contact Safe Harbor Financial Group using the contact information provided below.

Carrier Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

Re-Enrolling

If you opt out and later wish to receive text messages again, you may enroll again through an available opt-in method.

Your participation in any text messaging program is also subject to our Privacy Policy.

14. WEBSITE AVAILABILITY

We attempt to maintain reasonable Website availability but do not guarantee that the Website will be continuously available, uninterrupted, secure, or error-free.

We may modify, suspend, restrict, or discontinue any portion of the Website at any time without notice.

We do not guarantee that files or information available through the Website will be free from viruses, malware, or other harmful components.

You are responsible for implementing appropriate safeguards when accessing Internet content.

15. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

SAFE HARBOR FINANCIAL GROUP DISCLAIMS WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

We do not warrant that:

  • The Website will meet your requirements

  • Website access will always be uninterrupted or error-free

  • Website information will always be complete, accurate, or current

  • Defects will always be corrected

  • Website servers or content will be free from harmful components

Nothing in these Terms excludes any warranty or protection that cannot lawfully be excluded.

16. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAFE HARBOR FINANCIAL GROUP, INC., ITS OWNERS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AGENTS, AFFILIATES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR USE OF OR INABILITY TO USE THE WEBSITE.

This includes, without limitation, damages resulting from:

  • Reliance on Website information

  • Website interruptions or errors

  • Unauthorized access to information

  • Third-party websites or services

  • Loss of data, profits, revenue, goodwill, or business opportunities

Nothing in these Terms limits liability that cannot lawfully be limited or excluded.

17. INDEMNIFICATION

To the extent permitted by applicable law, you agree to indemnify and hold harmless Safe Harbor Financial Group, Inc. and its officers, owners, employees, representatives, and agents from claims, damages, liabilities, losses, costs, or expenses arising from your unlawful use of the Website, your violation of these Terms, or your infringement of the rights of another person or entity.

18. CHANGES TO THESE TERMS

We may revise these Terms periodically.

Revised Terms become effective when posted to the Website unless otherwise stated. The “Last Updated” date at the top of this page indicates when these Terms were most recently revised.

Your continued use of the Website after revised Terms become effective constitutes acceptance of those Terms.

19. GOVERNING LAW

These Terms and your use of the Website are governed by the laws of the State of Illinois, without regard to applicable conflict-of-law principles.

Any dispute arising from or relating to these Terms or the Website will be subject to the jurisdiction of a court of competent jurisdiction, except where applicable law requires otherwise.

20. SEVERABILITY

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in full force and effect.

21. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and any additional terms expressly applicable to a particular Service, constitute the agreement between you and Safe Harbor Financial Group concerning use of the Website.

22. CONTACT INFORMATION

Questions regarding these Terms may be directed to:

Safe Harbor Financial Group, Inc.
201 East First Avenue
P.O. Box 200
Deer Creek, IL 61733

Phone: (309) 696-9333
Email: rjthurmond.safeharbor@gmail.com
Website: www.safeharborfinancialgrp.com

R. Joe Thurmond — Illinois Insurance License #1511963, Shelby Viguier — Illinois Insurance License #21113641
Safe Harbor Financial Group, Inc. — Illinois Insurance License #100288529