Terms of Service
A. L. Powell Financial Group
Last Updated: November 22, 2025
Welcome to A. L. Powell Financial Group (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, financial consulting services, educational materials, digital tools, and any related products (collectively, the “Services”). By accessing or using our Services, you agree to these Terms.
If you do not agree to these Terms, please discontinue use immediately.
1. Who We Are
A. L. Powell Financial Group is a financial planning and consulting firm that provides strategic guidance, education, and advisory services to individuals and businesses seeking financial clarity, planning strategies, and long-term economic stability.
We are not a registered investment advisory firm unless otherwise explicitly stated. Any investment-related guidance is educational and general in nature.
2. Eligibility
To use our Services, you must:
Be at least 18 years old, and
Have the legal capacity to enter into a contract.
By using our Services, you represent and warrant that you meet these requirements.
3. Scope of Services
Our Services may include:
- Financial planning consultations
-Budgeting and cash-flow analysis
-Credit and debt management guidance
-Tax-related education (not tax preparation)
-Retirement and wealth-building strategy education
-Workshops, webinars, and courses
-Digital tools, templates, and online resources
We do not provide:
Tax preparation
Legal advice
Investment management or brokerage services
Guaranteed financial results
Any decisions made based on our Services are your responsibility.
4. Client Responsibility
You agree to:
Provide accurate, complete information during consultations
Review all documents and recommendations carefully
Make all final decisions regarding your financial actions
Maintain your own records, passwords, and account security
You acknowledge that your outcomes depend on your decisions, implementation, financial behavior, and market conditions beyond our control.
5. No Guarantees
A. L. Powell Financial Group does not guarantee:
Specific financial outcomes
Credit score changes
Debt-reduction timelines
Investment or business results
Tax savings
All information is provided for educational and advisory purposes only.
6. Payments & Billing
Payments for consultations, courses, memberships, or digital products must be made in full at the time of purchase unless otherwise specified in writing.
You agree that:
All sales of digital products and services are final.
Refunds for consulting sessions are not provided unless canceled at least 48 hours in advance.
Chargebacks or payment disputes may result in suspension of Services.
If a recurring subscription is offered, you will be billed automatically until canceled.
7. Cancellation & Termination
We may suspend or terminate access to our Services if:
You violate these Terms
You behave abusively toward staff
You engage in fraudulent, illegal, or harmful activity
You may cancel services by emailing [insert email], but no refunds will be issued for services already rendered.
8. Intellectual Property
All content, materials, tools, videos, templates, and guides are the exclusive property of A. L. Powell Financial Group unless otherwise stated.
You may not:
Reproduce
Distribute
Sell
Share
Copy
Publish
Modify
any materials without our written permission.
9. Disclaimer
All content is provided “as is” and without warranties of any kind, express or implied.
We do not warrant that:
Our Services will meet your expectations
Results will be accurate, timely, or reliable
Our website will remain error-free or uninterrupted
You use our Services at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, A. L. Powell Financial Group is not liable for:
Financial losses
Business losses
Lost profits
Lost data
Damages arising from reliance on our Services
Any indirect, incidental, or consequential damages
Our total liability is limited to the amount paid to us for the specific service giving rise to the claim.
11. Privacy & Data Protection
Your privacy is important to us.
Any personal information collected is governed by our Privacy Policy, incorporated by reference into these Terms.
We do not sell or share personal financial information with third parties except as required by law or necessary to provide Services.
12. Third-Party Services
We may reference or link to third-party websites, financial tools, or services.
We are not responsible for:
The content
Security
Data practices
Accuracy
Availability
of any third-party platforms.
You use them at your own discretion.
13. Governing Law
These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.
14. Dispute Resolution
Any disputes arising from these Terms or the Services will be resolved through:
Good-faith negotiation, then
Mediation, and if unresolved,
Binding arbitration in [Insert County/State]
You waive the right to participate in class-action lawsuits or jury trials.
15. Changes to These Terms
We may update these Terms at any time.
All changes are effective immediately when posted on this page.
Your continued use of our Services after changes means you accept the revised Terms.
16. Contact Us
For questions about these Terms, please contact:
A. L. Powell Financial Group
Email: [email protected]
Phone: 619-200-8861
Website: alpowellfinancial.group.com\