Terms & Conditions

1. Agreement to These Terms

These Terms & Conditions apply to your use of www.summitfc.net and to the text messaging program run by Summit Financial Consulting, LLC ("Summit," "we," "our," or "us"). By using this website or opting in to text messages, you agree to these terms. If you do not agree, please do not use the website or the messaging program.

2. Text Messaging (SMS) Program

By providing your mobile number and opting in to SMS from Summit Financial Consulting, you agree to receive conversational messages.

• Message type: conversational messages
• Message frequency: Message frequency may vary. On average, 1-2 messages per month.
• Consent: Consent to receive SMS is not a condition of purchase.
• Rates: Message and data rates may apply.

You can cancel at any time by replying STOP. After you send STOP, you may receive one final message confirming that you have been unsubscribed, and you will receive no further messages unless you opt in again. For help, reply HELP, call us at (586) 226-2100, or email info@summitfc.net.

Wireless carriers are not liable for delayed or undelivered messages. We do not sell, share, rent, or transfer your mobile number or SMS opt-in/consent data to external organizations. See our Privacy Policy for how we handle that data.

Please do not send account numbers, Social Security numbers, or other sensitive information by text message. Trades and other account transactions cannot be requested or confirmed by text; speak directly with your Investment Advisor Representative.

3. Information Only, Not Personalized Advice

The content on this website, including articles, podcast episodes, transcripts, calculators, and answers to frequently asked questions, is provided for general educational purposes. It is not individualized investment, tax, legal, or accounting advice, and it does not take your personal circumstances into account. Summit Financial Consulting LLC and its representatives do not render tax, legal, or accounting advice.

Investment advisory services are offered through Summit Financial Consulting LLC, an SEC registered investment advisory firm. Registration with the SEC does not imply a certain level of skill or training. An advisory relationship begins only when you and Summit sign a written advisory agreement. Visiting this website, contacting us, or receiving a text message does not create one.

All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Details about our services, fees, and conflicts of interest are in our Form ADV Part 2A.

4. No Offer or Solicitation

Nothing on this website shall in any way be construed or interpreted as a solicitation to sell any products or services to any residents of any state other than where legally permitted.

5. Third-Party Links and Services

This website links to websites and services we do not control, including scheduling tools, podcast platforms, and regulatory databases. We are not responsible for their content, availability, or privacy practices, and a link is not an endorsement.

6. Intellectual Property

The text, graphics, logos, audio, and other content on this website belong to Summit Financial Consulting, LLC or its licensors. You may view and share it for personal, non-commercial use with attribution. Any other copying, reproduction, or distribution requires our written permission.

7. Website Provided "As Is"

We work to keep the information on this website accurate and current, but it may contain errors or become out of date. The website is provided "as is" and "as available," without warranties of any kind, express or implied.

8. Limitation of Liability

To the extent permitted by law, Summit Financial Consulting, LLC is not liable for any indirect, incidental, or consequential damages arising from your use of this website. Nothing in these terms waives or limits any rights you may have under federal or state securities laws, or any obligation we owe you under a signed advisory agreement.

9. Governing Law

These terms are governed by the laws of the State of Michigan, without regard to its conflict-of-law rules.

10. Changes to These Terms

We may update these terms from time to time. Changes take effect when posted on this page with a new "Last Updated" date.

11. Contact Us

If you have questions about these terms, please contact us at: