Terms & Conditions

Last updated: January 15, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website www.alphafinancesync.com (the "Website") and any related services provided by Alpha Finance Sync LLC ("Alpha Finance Sync," "we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Website.

1. Acceptance of Terms

By using the Website — including browsing, submitting forms, subscribing to our newsletter, or booking consultations — you represent that you are at least 18 years old and legally capable of entering into a binding contract, and you accept these Terms in full. These Terms do not by themselves create an advisory relationship; such a relationship is created only through a separately executed written advisory agreement.

2. Description of Services

Alpha Finance Sync provides fee-only financial consulting, retirement planning, investment planning, tax planning coordination, debt management, and credit management advisory services to clients across the United States. Specific services, scope, deliverables, and fees for advisory clients are defined in individual written agreements. Information on this Website — including pricing pages, calculators, and articles — is provided for general informational purposes and does not constitute a binding offer.

3. No Unconditional Financial Advice; Informational Disclaimer

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Hypothetical projections, growth-model figures, and portfolio examples shown on the Website are for illustration and education only. You should not act on any Website content without first consulting a qualified professional who is aware of your complete financial circumstances. Advisory recommendations, when formally engaged, are provided solely under a written advisory agreement and applicable fiduciary standards.

4. Eligibility

The Website is intended for users located in the United States who are at least 18 years of age. We do not knowingly offer services to residents of jurisdictions where such offerings would violate local law, nor to individuals on any sanctions or restricted-party list. You agree to provide accurate, current, and complete information in all forms and to promptly update it if it changes.

5. Fees, Billing & Cancellation

• Subscription plans (Pathlight, Cornerstone, Legacy Private) are billed monthly in advance to your designated payment method;
• Fees are flat and inclusive as described on the pricing page; you are never charged commissions or asset-based percentages beyond your stated plan;
• You may cancel your plan at any time with thirty (30) days' written notice to info@alphafinancesync.com; no exit penalties apply;
• Fees are non-refundable for the current billing period once advisory work has commenced, except where required by law;
• We may adjust pricing prospectively with at least 30 days' prior written notice; existing plan pricing is honored through your then-current billing cycle.

6. Client Responsibilities

You agree to: (a) provide complete and truthful information necessary for sound advice; (b) keep your account credentials confidential and notify us immediately of unauthorized access; (c) review statements, plans, and recommendations we provide; (d) inform us of material changes in your circumstances (employment, inheritance, marital status, risk tolerance); and (e) not use the Website for any unlawful, fraudulent, or abusive purpose, including attempting to probe, scan, or breach the Website's security.

7. Third-Party Links & Custodians

The Website may contain links to third-party websites (such as mapping services, custodians, and professional referral partners). These links are provided for convenience only. We do not control, endorse, or assume responsibility for third-party content, policies, or practices. Client assets, where applicable, are held at independent qualified custodians in the client's own name; Alpha Finance Sync never takes custody of client funds through the Website.

8. Intellectual Property

All Website content — including the "Alpha Finance Sync" name and marks, the WealthPath™ planning framework, text, graphics, logos, charts, tools, calculators, page design, and code — is the property of Alpha Finance Sync LLC or its licensors and is protected by United States and international intellectual property law. You may view, download, and print pages for your personal, non-commercial use only. You may not reproduce, republish, scrape, frame, or create derivative works from the Website without our prior written consent.

9. Disclaimers & Limitation of Liability

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

TO THE FULLEST EXTENT PERMITTED BY LAW, Alpha Finance Sync LLC, ITS MEMBERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES — ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE. OUR AGGREGATE LIABILITY FOR ANY DIRECT CLAIM RELATING TO THE WEBSITE SHALL NOT EXCEED THE GREATER OF (A) FEES YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) $500. THIS LIMITATION DOES NOT APPLY TO LIABILITY ARISING FROM A SIGNED ADVISORY AGREEMENT, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

10. Indemnification

You agree to indemnify, defend, and hold harmless Alpha Finance Sync LLC and its members, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your misuse of the Website; (b) your violation of these Terms; or (c) your violation of any law or the rights of a third party.

11. Dispute Resolution & Arbitration

The parties shall first attempt in good faith to resolve any dispute informally for 30 days after written notice. Any dispute arising out of or relating to these Terms or the Website that is not resolved informally shall be resolved by binding arbitration administered in the State of Idaho under the rules of the American Arbitration Association, except that either party may bring claims in small-claims court within proper jurisdiction. Disputes may be resolved individually only; you waive any right to participate in a class action or class-wide arbitration to the extent permitted by law. Nothing in this section limits your right to file a complaint with the SEC, state regulators, or other governmental authorities.

12. Termination

We may suspend or terminate your access to the Website, at our sole discretion and without prior notice, for conduct that we believe violates these Terms, harms other users, or exposes us to liability. Sections 3, 8, 9, 10, and 11 survive any termination. You may stop using the Website at any time; termination of advisory services is governed by your written advisory agreement and Section 5 of these Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Idaho, USA, without regard to conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes are effective when posted to this page with an updated "Last updated" date. Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms. Material changes affecting active clients will also be communicated directly.

15. Contact Information

Questions regarding these Terms & Conditions may be directed to:

Alpha Finance Sync LLC
204 N Hayes St, Moscow, Idaho 83843, USA
Phone: (410) 727-8665
Email: info@alphafinancesync.com