Terms of Use

Last Updated: March 23, 2026

Welcome to Zecher Financial ("Zecher Financial," "we," "us," or "our"). By accessing or using our website, submitting information through our forms, scheduling consultations, or otherwise engaging with us (including through third-party tools we use to operate our business, such as customer relationship and marketing platforms), you agree to these Terms of Use. If you do not agree, please do not use our services or website.

1. Who we are

Zecher Financial provides financial coaching and related educational and advisory services as described on our website. Securities may be offered through registered representatives. Investment advisory services may be offered through Zecher Financial, a registered investment advisor, where applicable. Specific offerings, registrations, and disclosures are provided in separate agreements and disclosures as required by law.

2. Not legal, tax, or personalized investment advice on this site

Content on this website is for general informational and educational purposes only. It is not personalized investment, legal, or tax advice, and it may not be suitable for your situation. You should consult qualified professionals before making financial decisions. Past performance does not guarantee future results.

Any testimonials, examples, or case studies are illustrative only and do not guarantee similar outcomes.

3. Eligibility and acceptable use

You represent that you have the legal capacity to agree to these terms. You agree not to:

• Use the website or our systems in any unlawful, fraudulent, or abusive manner
• Attempt to gain unauthorized access to our systems, data, or accounts
• Scrape, harvest, or collect user data without permission, or interfere with the proper working of the site
• Misrepresent your identity or affiliation when contacting us or submitting forms

4. Contact forms, appointments, and communications

When you submit a form, request a consultation, or provide your contact information, you agree that we may use that information to respond to you, schedule meetings, and deliver services and operational messages related to your inquiry or relationship with us.

Where required by law, we will obtain appropriate consent before sending marketing communications (for example, email or SMS). You may opt out of promotional messages using the instructions in those messages or by contacting us. Message and data rates may apply for SMS. We do not guarantee uninterrupted or error-free delivery of electronic communications.

You agree to provide accurate contact information and to notify us if your details change.

5. Intellectual property

The website, branding, logos, text, graphics, and other materials are owned by Zecher Financial or our licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or exploit our materials without our prior written permission, except for limited personal, non-commercial viewing as part of normal use of the site.

6. Third-party links and tools

Our website may link to third-party sites or integrate with third-party services (including scheduling, CRM, or marketing tools). Those services are governed by their own terms and privacy policies. We are not responsible for third-party content or practices.

7. Disclaimers

THE WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

8. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ZECHER FINANCIAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100), IF NO FEES APPLIED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

9. Indemnity

You agree to indemnify and hold harmless Zecher Financial and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your misuse of the website, violation of these terms, or violation of applicable law, except to the extent caused by our gross negligence or willful misconduct.

10. Changes

We may update these Terms of Use from time to time. We will post the updated version on this page and revise the "Last Updated" date. Your continued use of the website after changes become effective constitutes your acceptance of the revised terms, to the extent permitted by law.

11. Governing law

These Terms of Use are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except where preempted by U.S. federal law. Any dispute will be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction there, subject to any mandatory arbitration or forum provisions in a separate written agreement with us.

12. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the website, you acknowledge that you have reviewed our Privacy Policy.

13. Contact

For questions about these Terms of Use, contact us: