Terms & Conditions

Last updated: October 16, 2026

Important — investment risk disclosure: Content on this Website is for general information only and is not personalized investment advice, nor an offer or solicitation. All investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Advisory services are provided only under a written agreement and Form ADV disclosures.

1. Acceptance of Terms

These Terms & Conditions ("Terms") govern your access to and use of the website operated by Equity Asset Advice, a Florida business with offices at 9 Crepe Myrtle St, Lake Placid, Florida 33852, USA (the "Website"). By accessing or using the Website, submitting any form, or subscribing to our newsletter, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use of the Website.

2. Description of Services

Equity Asset Advice provides fee-only financial consulting, wealth management, asset management, tax planning coordination, estate planning coordination, and cash flow planning services to clients. Formal advisory services are delivered exclusively pursuant to a written Client Advisory Agreement and the disclosures in our Form ADV, Parts 2A and 2B, which control in the event of any conflict with these Terms. Nothing on this Website itself constitutes an advisory engagement.

3. No Offer, Advice, or Recommendation

Articles, market commentary, newsletter issues ("The Ledger"), calculators, illustrative portfolio figures, and other content are provided for educational purposes only. They do not consider your individual objectives, financial situation, or needs, and must not be relied upon as a substitute for personalized advice. Tax information is general in nature; consult a qualified tax professional regarding your specific circumstances before acting.

4. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use the Website's interactive features or engage our services. The Website is intended for users located in the United States.

5. Fees and Billing

Advisory fees for engaged clients are set forth in the Client Advisory Agreement and our published pricing. Fees are debited only with advance disclosure and appear on every custodial statement. Website prices are quoted in U.S. dollars and may be changed with 30 days' written notice to active clients. There are no commissions, performance fees, or undisclosed compensation of any kind.

6. User Responsibilities & Prohibited Conduct

When using the Website and any client portal, you agree not to:

Submit false, misleading, or third-party information without authorization;
Attempt to gain unauthorized access to our systems, portals, or other users' data;
Use automated tools to scrape, overload, or interfere with the Website's operation;
Impersonate our staff, or use our content to imply an endorsement or partnership that does not exist;
Use the Website for any unlawful purpose or in violation of applicable securities laws.

7. Intellectual Property

All Website content — including text, graphics, logos, layout, "The Ledger" newsletter, and the Equity Asset Advice name and marks — is the property of Equity Asset Advice or its licensors and is protected by U.S. and international copyright and trademark law. You may view, download, and print pages for personal, non-commercial use only. Any other reproduction, distribution, or derivative use requires our prior written consent.

8. Third-Party Links & Services

The Website may reference or link to third-party websites and services (custodians, map providers, research sources). We provide these for convenience only, do not endorse them, and are not responsible for their content, accuracy, or practices. Your use of third-party services is at your own risk and governed by their terms.

9. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STRATEGIC WEALTH HUB, LLC AND ITS MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR OPPORTUNITY, ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF THE WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). NOTHING HEREIN LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW, NOR ANY LIABILITY OWED TO ADVISORY CLIENTS UNDER A SEPARATE WRITTEN AGREEMENT.

11. Indemnification

You agree to indemnify, defend, and hold harmless Equity Asset Advice and its personnel from any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Website, or content you submit to us that infringes the rights of any third party.

12. Testimonials

Client testimonials presented on the Website reflect the individual experiences of the clients named and may not be representative of all clients. No client has been compensated for their testimonial. Testimonials are not a guarantee of future performance or success.

13. Termination

We may suspend or terminate your access to the Website, at our sole discretion, for conduct that we reasonably believe violates these Terms or harms other users or our business. You may stop using the Website at any time. Provisions that by their nature should survive termination (intellectual property, disclaimers, liability limits, indemnification) shall survive.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Georgia, USA, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Website shall first be addressed through good-faith negotiation. If unresolved within 30 days, the parties agree to submit to binding arbitration in Monticello (or the nearest practicable venue), Georgia, under the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction to protect intellectual property. Advisory clients retain all rights under their Client Advisory Agreement, including any right to arbitration as set forth therein.

15. Severability & Entire Agreement

If any provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will remain in full force. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Equity Asset Advice regarding the Website, and supersede any prior understandings.

16. Changes to These Terms

We may revise these Terms from time to time. The current version will always be posted on this page with an updated date. Material changes will be highlighted on the Website. Continued use after changes constitutes acceptance.

17. Contact

Questions about these Terms?
Equity Asset Advice
9 Crepe Myrtle St, Lake Placid, Florida 33852, USA
Phone: (863) 465-1177 · Email: info@equityassetadvice.com