Terms Of Service

Last Updated: November 21, 2025

These Terms of Service ("Terms") govern your access to and use of the website located at 19holefinancial.com and any related services (collectively, the "Services") provided by 19th Hole Financial ("19th Hole Financial," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms.

Please Read Carefully. These Terms contain important provisions about disclaimers, limitations of liability, dispute resolution, and your rights. If you do not agree with any part of these Terms, you must not use the Services.

1. Acceptance Of Terms

By accessing the Services, submitting information through any form, scheduling a call, or otherwise interacting with 19th Hole Financial, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are accessing the Services on behalf of an entity, you represent that you have authority to bind that entity to these Terms.

2. Our Services

19th Hole Financial provides educational content, consultations, and referrals related to life insurance, advanced tax strategy, premium finance, defined benefit plans, charitable planning, and related financial topics. Our Services are intended for high-income individuals, business owners, and accredited investors evaluating planning strategies.

We may, from time to time, provide introductions to licensed insurance agents, tax professionals, attorneys, and other third-party service providers. Any services provided by those third parties are governed by their own agreements and are not part of the Services provided under these Terms.

3. Not Professional Advice

The content on this website is for informational and educational purposes only. Nothing on this website — whether written, spoken, or sent via email, text, or any other medium — constitutes:

Legal advice

Tax advice

Accounting advice

Investment advice or securities recommendations

An offer or solicitation to buy or sell any insurance product, security, or financial instrument

Life insurance and tax planning strategies are complex and depend on your specific facts, goals, and jurisdiction. You should always consult a qualified licensed professional — including a CPA, tax attorney, estate planning attorney, and licensed insurance agent in your state — before implementing any strategy discussed on this website or in any consultation.

4. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Services. The Services are intended for residents of the United States. Certain strategies, products, and referrals may only be available in jurisdictions where we or our partners are licensed to conduct business.

5. User Conduct

When using the Services, you agree not to:

Provide false, inaccurate, or misleading information

Use the Services for any unlawful purpose

Attempt to interfere with, disrupt, or gain unauthorized access to our systems

Scrape, harvest, or collect data from the Services without express written permission

Impersonate any person or entity

Use the Services to transmit any viruses, malware, or other harmful code

6. Intellectual Property

All content on this website — including text, graphics, logos, images, video, audio, and software — is owned by or licensed to 19th Hole Financial and is protected by U.S. and international copyright, trademark, and other intellectual property laws. You may view and download content for personal, non-commercial use only. You may not reproduce, republish, distribute, modify, or create derivative works without our prior written consent.

7. SMS And Communications

By providing your phone number through any form on this website, scheduling a call, or otherwise opting in, you consent to receive communications from 19th Hole Financial — including by email, phone, and SMS text message — for purposes including appointment confirmations, follow-ups, educational content, and marketing.

Message and data rates may apply. Message frequency varies. You can opt out of SMS messages at any time by replying STOP. Reply HELP for help. See our Privacy Policy for full details on how we handle your contact information and SMS consent.

8. Third-Party Services

The Services may contain links to or integrate with third-party websites, services, or platforms (including scheduling tools, insurance carriers, and CRM providers). We do not control and are not responsible for the content, privacy practices, or terms of any third-party service. Your use of those services is at your own risk and governed by the relevant third party's terms.

9. Disclaimers

The Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, 19th Hole Financial disclaims all warranties, including merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the Services will be uninterrupted, secure, or error-free, or that any information will be accurate, complete, or current. Past results, case studies, or example outcomes are not guarantees of future performance. Your specific results will depend on your individual facts, the law as applied to your situation, and the proper implementation of any strategy.

10. Limitation Of Liability

To the fullest extent permitted by law, in no event shall 19th Hole Financial, its owners, employees, contractors, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, revenue, data, or goodwill — arising out of or related to your use of the Services, even if advised of the possibility of such damages.

Our total aggregate liability arising out of or related to these Terms or the Services shall not exceed one hundred dollars ($100.00) or the amount you paid us in the twelve months preceding the claim, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, the above limitations apply to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless 19th Hole Financial and its owners, employees, contractors, and affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any law or third-party right; or (d) any content or information you submit.

12. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason — including breach of these Terms. Upon termination, all provisions of these Terms that by their nature should survive termination will survive — including disclaimers, limitations of liability, and indemnification.

13. Governing Law And Disputes

These Terms are governed by the laws of the State of [STATE], without regard to its conflict of laws rules. Any dispute arising out of or related to these Terms or the Services shall be resolved exclusively in the state or federal courts located in [COUNTY, STATE], and you consent to the personal jurisdiction of those courts.

You and 19th Hole Financial agree that any dispute shall be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative action.

14. Changes To These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of this page reflects the most recent version. Material changes will be communicated by posting an updated version on this page and, where appropriate, by other means. Your continued use of the Services after changes are posted constitutes your acceptance of the revised Terms.

15. Contact Us

Questions about these Terms? Reach out:

19th Hole Financial

Email: info@19holefinancial.com

Website: 19holefinancial.com