Terms of Service

1. Acceptance of Terms

By accessing our website, engaging our services, or signing a client agreement, you agree to these Terms of Service. If you do not agree, please do not use our services.

Financial Company Capital LLC reserves the right to modify these terms at any time. Changes become effective upon posting. Continued use of services constitutes acceptance of updated terms.

2. Services Description

Financial Company Capital LLC provides the following services:

• Investment planning and portfolio management advisory
• Corporate finance and capital structure consulting
• Personal financial counseling and retirement planning
• Risk management and insurance advisory
• Tax optimization strategies
• International finance and cross-border investment advisory

Services are provided based on individual client agreements. Specific terms, fees, and scope are outlined in separate engagement letters.

3. Client Eligibility

To engage our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information during onboarding
• Pass required KYC (Know Your Customer) and AML (Anti-Money Laundering) verification
• Not be subject to any sanctions or prohibitions under applicable law

4. Fees & Payment

Our fee structure is transparent and disclosed upfront:

• Advisory Fee: As agreed in your engagement letter (typically AUM-based or flat fee)
• Consultation Fee: Initial consultations are provided free of charge
• Performance Fee: May apply for certain investment mandates — disclosed in advance
• Third-Party Costs: Brokerage, custodian, and fund fees are separate and disclosed

All fees are invoiced monthly or as agreed. Unpaid invoices accrue interest at 1.5% per month after 30 days.

5. Investment Risk Disclosure

Financial Company Capital LLC provides advisory services only. We do not guarantee specific investment outcomes. Our recommendations are based on information provided by clients and current market analysis.

• Market risk: Asset values may decline due to market conditions
• Liquidity risk: Some investments may not be easily converted to cash
• Inflation risk: Returns may not keep pace with inflation
• Interest rate risk: Fixed income values may decline when rates rise
• Foreign exchange risk: International investments are subject to currency fluctuations

6. Limitation of Liability

Financial Company Capital LLC's total liability to any client shall not exceed the total fees paid by that client in the preceding 12 months.

We are not liable for:

• Investment losses resulting from market conditions beyond our control
• Decisions made by clients contrary to our recommendations
• Losses arising from inaccurate information provided by clients
• Force majeure events including market crashes, regulatory changes, or economic crises
• Indirect, consequential, or punitive damages of any kind

7. Confidentiality

Both parties agree to maintain strict confidentiality of all information shared during the engagement:

• All client financial information is treated as strictly confidential
• We do not discuss client affairs with third parties without written consent
• Confidentiality obligations survive termination of the engagement for 5 years
• Exceptions apply only for legal/regulatory requirements

8. Termination

Either party may terminate services with 30 days written notice. Financial Company Capital LLC may terminate immediately in cases of:

• Material breach of these terms or the engagement agreement
• Provision of false or misleading information
• Activity that violates applicable laws or regulations
• Non-payment of fees after 60 days

Upon termination, all outstanding fees become immediately due. Client data will be handled per our Privacy Policy.

9. Dispute Resolution

Any disputes arising from our services shall be resolved as follows:

• Step 1: Informal resolution — written notice of dispute with 30-day resolution period
• Step 2: Mediation — non-binding mediation through a mutually agreed mediator
• Step 3: Arbitration — binding arbitration under AAA Financial Industry Rules in Philadelphia, PA

Class action lawsuits and jury trials are waived by both parties to the extent permitted by law.

10. Governing Law

These Terms of Service are governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to conflict of law provisions.

Any legal proceedings shall be conducted in the courts of Bucks County, Pennsylvania, or in federal courts in the Eastern District of Pennsylvania.

For questions about these terms, contact us at:

• Email: info@financialcompanycapital.com
• Phone: +1 267 565 7846
• Address: 4299 Hawk Circle, Doylestown, PA 18902