Terms and Conditions of Use:
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS AND CONDITIONS POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS THIS WEBSITE.
Recording of Calls
Please be aware that all calls with our company may be recorded or monitored for quality assurance and training purposes.
Service Provision
Affluent Debt Solutions, LLC DBA Affluent Financial (“Affluent Financial”) provides access to its content, resources, communication tools, public forums, commerce platforms, and other services through its network of websites (“The Service”). By using this website and completing the registration process, you (“The User”) agree to these Terms of Service.
Scope of Services and Regulatory Notice
Affluent Debt Solutions, LLC DBA Affluent Financial (“Affluent Financial”) offers a variety of services, including but not limited to financial education and guidance, access to debt relief options, and insurance products such as life insurance, health insurance, and annuities. These services may be offered directly or through our network of licensed professionals and partner providers.
While Affluent Financial is headquartered and operates primarily under the laws and regulations of the State of Florida, our services are available to eligible residents across the United States, subject to applicable federal and state laws. Some services may not be available in all states and are subject to change without notice.
Any insurance-related products or services are offered by or through licensed agents, brokers, and insurance carriers authorized to conduct business in your state of residence. Product availability, features, benefits, and pricing may vary by state and individual circumstances and are subject to underwriting approval.
By using this website or engaging with our services, you acknowledge and agree that:
• Any and all service offerings—including debt solutions, insurance services, and annuity consultations—are subject to the terms and limitations set forth herein.
• No guarantees, warranties, or assurances are made regarding eligibility, approval, or outcome of any financial product or service discussed or offered on this site.
• You are solely responsible for evaluating the suitability of any service or product in consultation with a licensed representative or financial advisor where applicable.
Affluent Financial does not provide legal, tax, or investment advice. All content and services provided through our platform are for general informational purposes only and should not be construed as specific financial or legal guidance.
We operate in the state of Florida.
Disclaimer
Affluent Financial is not responsible for providing access facilities or equipment to use the service. By using this website and completing the registration process, you acknowledge and agree that the service may include advertisements and sponsorships necessary for providing the service. Affluent Financial makes no representations or warranties regarding the suitability, reliability, availability, timeliness, and accuracy of the information, products, services, and related graphics within the service. The service is provided “as is” without warranty of any kind. Affluent Financial disclaims all warranties and conditions regarding the service.
Acknowledgment and Acceptance of Terms
The service is provided under the terms and conditions, any amendments, and any operating rules or policies published by Affluent Financial. These terms constitute the entire agreement between the user and Affluent Financial and supersede any prior agreements. By completing the registration process and clicking “submit,” you agree to be bound by these terms, the legal disclaimer, and applicable retainer agreement terms.
Modification of Terms
Affluent Financial reserves the right to change the terms, conditions, and notices under which the service is offered. You are responsible for regularly reviewing these terms. Continued use of the service constitutes agreement to all changes.
Service Modifications
Affluent Financial reserves the right to modify or discontinue the service, temporarily or permanently, with or without notice. The user agrees that Affluent Financial shall not be liable for any modification or discontinuation of the service.
User Conduct
The service may include various communication tools (e.g., email services, message boards, chat areas). You agree to use these tools only to post, send, and receive proper and relevant messages and materials. Commercial use, including reselling and private labeling, is prohibited.
As a condition of use, you agree to:
(a) Provide true, accurate, current, and complete information during registration.
(b) Maintain and update this information.
(c) Allow Affluent Financial to use aggregate registration information for marketing, subject to the privacy policy.
Prohibited actions include, but are not limited to:
(a) Obstructing others’ use and enjoyment of the service.
(b) Violating laws and regulations.
(c) Impersonating others or misrepresenting affiliations.
(d) Interfering with the service or related networks.
(e) Transmitting unsolicited messages or materials.
(f) Posting harmful or offensive content.
(g) Infringing intellectual property rights.
(h) Uploading harmful software.
(i) Stalking or harassing users.
(j) Advertising without permission.
(k) Violating any relevant laws, including the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
(l) Assisting terrorism or endangering military personnel.
Affluent Financial reserves the right to monitor the service, remove materials, and terminate access at any time without notice. The company may disclose information as required by law.
User Account Security
During registration, you will choose a username and password. You are responsible for maintaining the confidentiality of your password and account. Notify Affluent Financial immediately of any unauthorized use. You may be held liable for losses due to unauthorized use. Do not use others’ accounts without permission.
Privacy Policy
See our Privacy Policy.
Limitation of Liability
To the extent permitted by law, Affluent Financial shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from the use or inability to use the service, unauthorized access to or alteration of your transmissions or data, statements or conduct of any third party, or any other matter related to the service.
Governing Law
These Terms of Service and any dispute or claim arising out of or in connection with them, their subject matter, or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
You agree that any legal action or proceeding relating to your use of the service shall be brought exclusively in the state or federal courts located in the State of Florida, and you hereby submit to the personal jurisdiction of such courts.
Content Submission
Affluent Financial does not claim ownership of the content you provide (e.g., data, text, software, music, sound, photographs, graphics, video, messages). By posting content, you grant Affluent Financial and its affiliates the right to use your submission in connection with their business operations.
SMS and Auto Dialed Calls
By entering your contact information on Affluent Financial’s website, you consent to receiving information via telephone, email, and text/SMS messages, including through automated systems. Standard message rates apply.
Message frequency may vary. To opt-out, reply “stop” to any message.
By providing your phone number, you consent to receiving calls and messages from Affluent Financial and its partners.
Your consent is not a condition of purchase.
Opt-in methods include online entry, sending a keyword via SMS, filling out a form, or requesting information online.
To opt-out of SMS services, text “STOP”. For questions, email ads@affluentfs.com.
Intended Audience
This service is intended for U.S residents only.
Contact Information
For questions or concerns, contact us at ads@affluentfs.com.