Website Terms of Use

Acceptance of the Terms of Use

These terms of use are entered into by and between You and Gracia Financial Services ("Company," "we," or "us"). The following terms and conditions govern your access to and use of our website, including any content, functionality, and services offered.

Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Statement. If you do not want to agree to these Terms of Use, you must not access or use the Website.

This Website is offered and available to users who are 18 years of age or older and reside in the United States or any of its territories. By using this Website, you represent and warrant that you are of legal age to form a binding contract with the Company.

Not Legal, Tax, or Investment Advice

The information presented on or through the Website is made available solely for general information purposes. We are not providing specific insurance, tax, or investment advice to any individual viewing the content of the Website. The content is not intended and should not be construed as legal or tax advice.

  • No Fiduciary Capacity: By providing this content, Gracia Financial Services is not undertaking to provide investment advice or a recommendation for any specific individual or situation, or to otherwise act in a fiduciary capacity.

  • Consult Professionals: For information specific to your situation, consult with your attorney, accountant, or tax advisor.

  • Past Performance: Any performance data quoted represents past performance and does not guarantee future results.

Intellectual Property Rights

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by the Company, its licensors, or other providers and are protected by United States and international copyright, trademark, and other intellectual property laws.

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, or publicly display any of the material on our Website.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, state, local, or international law or regulation.

  • To transmit any advertising or promotional material, including "junk mail," "chain letters," or "spam".

  • To impersonate or attempt to impersonate the Company, a Company employee, or any other person or entity.

  • To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website.

Disclaimer of Warranties

YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITE.

Limitation on Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use shall be governed by and construed in accordance with the internal laws of the State of California without giving effect to any choice or conflict of law provision. Any legal suit, action, or proceeding shall be instituted exclusively in the federal or state courts located in the State of California.

Arbitration

Any Dispute involving you and Gracia Financial Services shall be resolved through individual arbitration. In arbitration, there is no judge or jury and there is less discovery and appellate review than in court.

Waiver of Class Actions: THERE SHALL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED OR LITIGATED ON A CLASS ACTION, JOINT, OR CONSOLIDATED BASIS.

Contact Information

All feedback, comments, and other communications relating to the Website should be directed to:

Ricardo GraciaGracia Financial ServicesEmail: ricardo@graciafinancial.com