Terms of Service

Watchtower Financial

1. Acceptance of Terms

By accessing or using the Watchtower Financial website, services, or SMS communications (collectively, the “Services”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our Services.

2. Description of Services

Watchtower Financial provides financial services, educational information, and related communications. Content provided through our website, email, or SMS is for informational purposes only and does not constitute legal, tax, or investment advice unless explicitly stated in a written agreement.

3. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent that you meet this requirement.

4. No Client Relationship

Use of this website or receipt of SMS messages does not create a client, fiduciary, or advisory relationship unless a separate written agreement has been executed.

5. SMS Messaging Terms

a. Consent

By providing your mobile number and opting in, you consent to receive SMS messages from Watchtower Financial, which may include:

Appointment reminders

Service-related notifications

Responses to inquiries

Educational or informational content (if opted in)

Message frequency may vary. Message and data rates may apply.

b. Opt-Out

You may opt out at any time by replying STOP to any SMS message.

For help, reply HELP or contact us directly.

c. No Guarantee of Delivery

SMS delivery may be delayed or unavailable due to carrier issues, technical failures, or other factors beyond our control.

6. User Responsibilities

You agree to:

Provide accurate and truthful information

Use the Services only for lawful purposes

Not interfere with or disrupt the website or communication systems

You are responsible for maintaining the confidentiality of any information you submit.

7. Intellectual Property

All content on this website, including text, logos, graphics, and design elements, is the property of Watchtower Financial or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

8. Disclaimer of Warranties

The Services are provided “as is” and “as available.” Watchtower Financial makes no warranties, express or implied, regarding accuracy, completeness, or reliability of information provided.

9. Limitation of Liability

To the maximum extent permitted by law, Watchtower Financial shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services, including SMS communications.

10. Third-Party Services

We may use third-party providers to support our Services (including SMS delivery). We are not responsible for the content, availability, or practices of third-party services.

11. Privacy

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. Updates will be posted on our website with a revised effective date. Continued use of the Services constitutes acceptance of the updated Terms.

13. Termination

We may suspend or terminate access to the Services at any time, with or without notice, for conduct that violates these Terms or applicable law.

14. Governing Law

These Terms are governed by the laws of the state in which Watchtower Financial is headquartered, without regard to conflict of law principles.