Terms of Use

These Terms of Use apply to your use of villairefinancial.com (the "site"), which is operated by Villaire Financial, LLC ("Villaire Financial," "we," "us"). By using the site, you agree to these terms. If you do not agree, please do not use the site.

1. Education, not personal advice

Everything on this site, including articles, videos, examples, calculators, guides, and the Financial Wellness quiz, is general information for educational purposes. It is not personalized investment, tax, legal, or insurance advice, and it does not take your specific situation into account. Please talk with a qualified professional before acting on anything you read here.

Using this site, reading our content, contacting us, or booking a call does not make you our client. An advisory relationship begins only after you sign a written agreement with Villaire Financial and receive our Form ADV Part 2 brochure. Once you are a client, your advisory agreement governs our relationship, and it controls if anything in these terms conflicts with it.

2. Regulatory status

Villaire Financial, LLC is a registered investment adviser in the State of Michigan, and in other jurisdictions where it is registered or exempt from registration. Registration as an investment adviser does not imply any level of skill or training. This site is not an offer or solicitation to provide advisory services in any jurisdiction where we are not registered or exempt. Information about our firm, including our Form ADV, is available on our Form ADV page and at adviserinfo.sec.gov (CRD #318796).

3. No offer of securities, and investment risk

Nothing on this site is an offer to buy or sell, or a recommendation of, any security or investment product. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Hypothetical examples, projections, and quiz results are for illustration only. They are not guarantees and do not represent any actual client's results.

4. Testimonials and third-party ratings

Testimonials and ratings on this site may not represent the experience of other clients and are not a guarantee of future performance or success. Details about how they were obtained, including whether any compensation was paid, appear in the disclosures at the bottom of each page.

5. Accuracy and timeliness

We work hard to keep our content accurate, but tax laws, contribution limits, interest rates, and regulations change often. Content reflects our understanding as of the date it was published or updated and may not be revised afterward. We do not guarantee that information on the site is complete, current, or free of errors.

6. Sending us information

Please do not send trade instructions, account numbers, Social Security numbers, passwords, or other sensitive information through website forms or regular email. We do not monitor website forms for time-sensitive requests, and we will not act on trade or money movement instructions sent that way. If you are a client, please contact us directly or use the secure methods we have set up with you.

When you submit information, you confirm that it is accurate and that it is your own, or that you have permission to share it. How we handle what you send is described in our Privacy Policy.

7. Third-party sites and tools

The site links to and embeds services run by others, including our financial planning software's client portal, Charles Schwab, Calendly, Google, and sources we cite in our articles. We do not control those services and are not responsible for their content, availability, or privacy practices. A link is not an endorsement. Your use of them is governed by their own terms.

8. Our content

The content on this site, including text, graphics, logos, videos, and downloadable guides, belongs to Villaire Financial or its licensors and is protected by copyright and trademark law. You may view, download, and print it for your own personal, non-commercial use. You may share links to our pages. Please do not copy, republish, sell, or create derivative works from our content without our written permission.

9. Acceptable use

When using the site, you agree not to:

• Use it for anything unlawful, fraudulent, or harmful.
• Submit false information, or another person's information without permission.
• Send spam or automated submissions through our forms.
• Try to gain unauthorized access to the site or its systems, or interfere with how it works.
• Scrape or copy the site in bulk with automated tools, except for search engines and AI search tools that follow our robots.txt file.

10. Disclaimer and limitation of liability

The site and its content are provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, and we do not promise that the site will be uninterrupted, secure, or error-free.

To the fullest extent the law allows, Villaire Financial and its owner and employees are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss that results from your use of, or reliance on, the site or its general educational content.

Nothing in these terms waives or limits any right you may have under federal or state securities laws, or any fiduciary duty we owe to our clients. These limits apply only to your use of this website. They do not apply to advisory services we provide under a signed agreement.

11. Indemnification

If you misuse the site or violate these terms, you agree to be responsible for, and to cover, reasonable claims, losses, and costs (including reasonable attorneys' fees) that we incur as a result. This section does not apply to any claim you have as a client relating to our advisory services.

12. Governing law

These terms and your use of the site are governed by the laws of the State of Michigan, without regard to its conflict of law rules. Any dispute about these terms or the site will be resolved in the state or federal courts located in Kent County, Michigan, and you agree to the jurisdiction of those courts. If you are a client, the governing law and dispute terms in your advisory agreement apply to our advisory relationship instead.

13. Changes and other terms

We may update these terms from time to time. When we do, we will change the "Last updated" date at the top of this page. If you keep using the site after a change, you accept the updated terms. If any part of these terms is found unenforceable, the rest stays in effect. If we do not enforce part of these terms, we have not waived our right to enforce it later.

14. Contact us

Questions about these terms can go to: