Financial Discipline Guide — Strategic Wealth Advisory

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Unsubscribe Information Guide

1. Process Overview

Unsubscribing initiates a formal request processed through our communication management system. The email address is verified against active subscriber databases, removed from all marketing distribution lists, and flagged in your client profile. Full processing completes within 48 to 72 business hours from submission.

2. What Stops

Marketing communications that cease include: weekly market analysis newsletters, monthly wealth strategy briefings, promotional offers for new products, event and webinar invitations, product update notifications, and seasonal financial planning guides. These are classified as commercial/marketing emails under CAN-SPAM and GDPR.

3. What Continues

Transactional emails continue regardless of unsubscribe status: account statements, transaction confirmations, security alerts, loan payment reminders, insurance renewal notices, and regulatory compliance notifications. These are essential to maintaining your account and are required by financial regulations.

4. Security Notifications Stay Active

System-generated security alerts — multi-factor authentication prompts, device verification requests, suspicious activity warnings, and password change confirmations — remain active. These are critical for protecting your financial assets and cannot be disabled per our security policies and regulatory mandates.

5. Processing Timeline

Your request enters processing immediately. The system verifies your email against subscriber records, removes it from distribution lists, and updates your communication preferences. Full completion occurs within 48 to 72 business hours, after which a confirmation email is sent.

6. Confirmation Email

Upon processing, a confirmation email is sent containing: date and time of processing, specific lists removed from, re-subscription instructions, and support contact information. Save this email as your official unsubscribe record.

7. No Instant Effect

Requests do not process instantaneously. Emails already queued or in transit at submission time may still arrive. This is a technical limitation of distribution systems, not a processing failure. No further marketing emails should arrive after the 72-hour window.

8. Queued Campaigns Exception

Campaigns scheduled before your request was processed will still deliver. This typically affects at most one additional send. If marketing emails continue beyond 72 hours after confirmation, contact our support team immediately for investigation.

9. Reason Purpose

The reason selection helps us improve communications through trend analysis — for example, adjusting frequency if many cite "too many emails." Your selection is confidential and used solely for internal analytics. Providing a reason is optional but appreciated.

10. Frequency Adjustment Alternative

If frequency is the concern, you can switch from weekly to monthly digests, select only specific topics, or pause communications for a defined period — all without fully unsubscribing. Contact preferences@financialdisciplineguide.org to explore these options.

11. Content Relevance

If content feels irrelevant, update your client profile with current interests and financial goals. Our personalization engine tailors content based on this data. A profile update often significantly improves relevance. Your advisor can assist with preferences configuration.

12. Alternative Provider Transition

If you've chosen another provider, your Financial Discipline Guide account remains fully active with all financial products, investment holdings, and dashboard functionality. You can still benefit from institutional-grade services without receiving marketing emails.

13. Privacy and Data Requests

Unsubscribing does not delete personal data or close your account. For broader privacy requests — data access, correction, deletion, or portability — submit a formal request to privacy@financialdisciplineguide.org. We comply with GDPR, CCPA, and applicable regulations, responding within 30 days.

14. Service Dissatisfaction Resolution

Before unsubscribing due to dissatisfaction, contact our resolution team at resolution@financialdisciplineguide.org or +1 808-541-3483, Option 3. We can escalate issues, arrange advisor reassignment, and in appropriate cases offer fee adjustments. Many concerns resolve without full disengagement.

15. Account Closure Distinction

Unsubscribing from emails is separate from closing your account. All financial products, investments, loans, and policies remain active. Full account closure requires a separate formal request involving additional steps including asset liquidation or transfer.

16. Hardship Assistance

If financial hardship is a factor, explore our assistance programs: temporary fee waivers, loan modifications, payment deferrals, and referrals to accredited financial counseling. Contact hardship@financialdisciplineguide.org or +1 808-541-3483, Option 4. All inquiries are strictly confidential.

17. International Relocation

If relocating internationally, services may still be available — we operate in 28 countries. Certain products have jurisdictional limitations your advisor can explain. Before unsubscribing due to relocation, contact international@financialdisciplineguide.org about continuity options.

18. Never Subscribed — Report

If receiving unwanted emails despite never subscribing, forward them to abuse@financialdisciplineguide.org. We investigate, remove the address, and prevent recurrence. We never purchase email lists and treat unauthorized subscriptions seriously.

19. Technical Email Issues

For rendering problems, broken links, images not loading, or spam filtering issues, report to techsupport@financialdisciplineguide.org with your email client, device type, and screenshots. Most issues resolve on our end without requiring unsubscribe.

20. Channel Alternatives

Alternatives to email include: client portal dashboard (real-time updates), mobile app (push notifications), SMS for time-sensitive alerts, or scheduled advisor phone check-ins. These can replace email while keeping you connected to financial information.

21. Data Retention After Unsubscribe

Unsubscribing does not trigger data deletion. Your information is retained per our Privacy Policy and financial regulations (typically 7+ years). Your email is flagged "unsubscribed — marketing excluded" and will not appear in future marketing distributions unless you re-subscribe.

22. Regulatory Retention Requirements

SEC Rule 17a-4, FINRA regulations, the Bank Secrecy Act, and AML statutes require retaining client records including communication logs and transaction histories for specified periods. These requirements are non-negotiable and supersede unsubscribe requests.

23. Re-subscription

To re-subscribe: click "Manage Preferences" in any transactional email, use your portal's Communication Preferences section, email preferences@financialdisciplineguide.org, or tell your advisor. Re-subscription activates within 24 hours.

24. Partial Unsubscribe

You can opt out of specific communication types: promotional content only, market analysis only, event invitations only, or set seasonal pauses. Contact preferences@financialdisciplineguide.org for partial configuration without losing all communications.

25. Corporate Account Unsubscribe

For business accounts, the designated primary contact or administrator must submit the request. Individual employees receiving forwarded corporate emails should ask their company admin to update the distribution list. Contact business@financialdisciplineguide.org for corporate management.

26. Third-Party Marketing Exclusion

We never sell or rent your email. We may share limited data with vetted partners for co-branded offerings. Unsubscribing removes you from all co-marketing distributions. To exclude third-party sharing while staying subscribed, contact privacy@financialdisciplineguide.org.

27. Advisory Relationship Unaffected

Unsubscribing has zero impact on your advisory relationship. Your advisor, investment strategy, fee structures, portal access, and all service features remain unchanged. Marketing emails are supplementary, not foundational, to your experience.

28. Anti-Abuse Verification

To prevent fraudulent unsubscribe attempts on others' emails, we may send a verification requiring confirmation before processing. This anti-abuse measure follows M3AAWG best practices. Simply confirm to complete the process.

29. CAN-SPAM and GDPR Compliance

Our process complies with CAN-SPAM (clear unsubscribe mechanism in every email, processing within 10 business days, no charge or login requirement) and GDPR (Article 21 right to object, Article 17 right to erasure where applicable). Processes are audited annually.

30. Support Contact

For issues — continued emails after 72 hours, re-subscription difficulty, or data questions — contact our dedicated team: unsubscribe@financialdisciplineguide.org or +1 808-541-3483, Option 6, Monday–Friday 8 AM–6 PM CT. We value every relationship regardless of communication preferences.

Terms & Conditions

Effective: January 1, 2026 | Updated: January 1, 2026

Part A — Service Usage

1. Agreement to Terms

By accessing or using any services provided by Financial Discipline Guide ("the Firm"), you confirm that you have read, understood, and agree to be bound by these Terms and Conditions. If you disagree with any provision, you must cease all use of our platforms and services immediately and request account closure through our support channels.

2. Eligibility

You must be at least 18 years of age and possess the legal capacity to enter into binding contracts. Users representing business entities confirm they hold valid authority to bind that entity. We reserve the right to request identity verification and legal documentation at any stage of the relationship.

3. Account Registration

Creating an account requires providing accurate personal information including full legal name, email address, phone number, date of birth, and government-issued identification. You must promptly update any changed information. Submitting false or misleading data constitutes a material breach warranting immediate suspension or termination.

4. Credential Security

You bear sole responsibility for safeguarding your login credentials, passwords, PINs, and authentication tokens. Sharing credentials with any third party is strictly prohibited. You must notify us immediately upon discovering any unauthorized access. Financial Discipline Guide assumes no liability for losses resulting from compromised credentials.

5. Service Scope

Financial Discipline Guide provides: lending (home, education, business, auto, personal, mortgage loans); insurance brokerage (auto, health, house, mortgage, life, business, burial, pet, travel); investment advisory (mutual funds, gold, stocks, digital currency); wealth management (investment management, estate planning, risk management, retirement planning, tax optimization, education planning); digital payments (credit card services, mobile wallets, P2P payments, payment gateways, debit cards, bill payments); debt relief (consolidation, settlement, bankruptcy guidance); home warranty (appliance protection, electrical system coverage, plumbing protection); and auto warranty (vehicle coverage, mechanical breakdown coverage, repair cost coverage).

6. Service Modifications

We may modify, enhance, suspend, or discontinue any service with reasonable notice. Material changes affecting active subscriptions or financial products will be communicated at least 30 days in advance via email and client portal notification. We will make good-faith efforts to minimize disruption during transitions.

7. Acceptable Use

You agree to use our platforms solely for lawful purposes in compliance with all applicable regulations. Prohibited activities include: unauthorized system access, use of automated bots or scrapers, interference with platform integrity, impersonation, and any action that could compromise infrastructure security or harm other users.

8. Prohibited Activities

Strictly prohibited: money laundering, terrorist financing, violations of the Bank Secrecy Act or USA PATRIOT Act, submitting fraudulent information to obtain financial products, market manipulation, and any activity violating OFAC sanctions. Violations trigger immediate termination and potential law enforcement referral.

9. Intellectual Property

All content, trademarks, service marks, logos, software, interfaces, and designs associated with Financial Discipline Guide are our exclusive property or that of our licensors. You receive a limited, non-exclusive, non-transferable, revocable license to access our platforms. Reproduction, distribution, or commercial exploitation without written consent is prohibited.

10. Advisory Disclaimer

Information and recommendations provided through our advisory services are for educational and informational purposes only. They do not constitute personalized financial, legal, or tax advice. You should consult qualified independent professionals before making financial decisions. Past performance does not guarantee future results.

Part B — Payments

11. Accepted Methods

We accept Cash On Delivery.

12. Fee Transparency

All fees are disclosed in relevant service agreements, fee schedules, or product documentation before engagement. Categories include: advisory management fees (tiered by AUM), loan origination fees, insurance premiums, transaction processing fees, subscription charges, and consultation fees. Complete fee schedules are available in your portal.

13. Pricing Changes

Subscription pricing adjustments require 60 days' written notice. Increases do not apply to fixed-term contracts already in effect. You may terminate before new pricing takes effect without penalty. Loan and insurance product pricing follows carrier and market terms as disclosed at origination.

14. Processing Timelines

Standard payments process within 1-3 business days. Bank transfers may take up to 5 business days. Loan disbursements, subject to underwriting approval, typically process within 5-10 business days after documentation verification. You authorize us to charge your designated payment method for amounts due.

15. Late Payment Penalties

Payments overdue beyond 15 days incur a penalty of 1.5% per month on outstanding balance (18% annually), or the maximum lawful rate, whichever is lower. Continued non-payment may trigger service suspension, credit reporting, and external collection. We will attempt contact at least twice before collection action.

16. Refund Policy

Advisory fees are non-refundable once services commence, except in cases of our demonstrable error. Insurance refunds follow carrier policies. Subscription fees may be prorated if cancelled within 7 days of a billing cycle. Loan application fees are non-refundable after underwriting begins. All refund requests require written submission and are processed within 30 business days.

17. Tax Obligations

You are solely responsible for all taxes arising from your use of our services, including investment gains, capital gains, and transaction taxes. We provide required tax documentation (e.g., 1099 forms) where legally mandated. Nothing in these terms constitutes tax advice. Consult a qualified tax professional.

18. Currency Considerations

Transactions default to US Dollars unless otherwise specified. Foreign currency conversions use prevailing market rates at transaction time plus applicable spreads. Financial Discipline Guide is not responsible for exchange rate fluctuations between initiation and settlement.

Part C — Liability

19. Limitation of Liability

To the maximum extent permitted by law, Financial Discipline Guide, its directors, officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages including loss of profits, data, or business opportunities arising from your use of or inability to use our services, regardless of legal theory.

20. Investment Risk Acknowledgment

You acknowledge all investment products involve inherent risks including potential loss of principal. Portfolio values fluctuate based on market conditions beyond our control. We guarantee no specific return, income level, or profit. Historical performance data is informational only and not indicative of future results.

21. Third-Party Provider Liability

Our services involve third-party providers including insurance carriers, payment processors, custodians, and data storage partners. Financial Discipline Guide is not liable for acts, omissions, errors, delays, or failures of these parties. Your relationship with third parties is governed by their own terms of service.

22. Indemnification

You agree to indemnify and hold harmless Financial Discipline Guide and its officers, directors, employees, agents, and affiliates from all claims, demands, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your breach of these terms, misuse of services, violation of applicable law, or content you submit.

23. Force Majeure

We are not liable for failures or delays caused by circumstances beyond reasonable control including natural disasters, pandemics, government actions, war, terrorism, civil unrest, power outages, internet disruptions, cyberattacks, or third-party infrastructure failures. We will use reasonable efforts to resume services promptly.

24. Maximum Liability Cap

Total aggregate liability shall not exceed the lesser of: (a) fees you paid during the twelve months preceding the claim, or (b) one hundred thousand US dollars ($100,000). This cap applies regardless of legal theory — contract, tort, strict liability, or otherwise.

25. Data Breach Liability

In the event of a breach compromising your data, our liability is limited to: prompt notification per applicable law, 24 months of complimentary credit monitoring, and reasonable mitigation assistance. We are not liable for breaches caused by your failure to maintain credential security.

Part D — Cancellation Policy

26. User-Initiated Cancellation

You may cancel advisory and subscription services with 30 days' written notice to cancellations@financialdisciplineguide.org or via your portal. A 30-day wind-down period allows data download, statement export, and account transition. No cancellation fee applies to standard advisory relationships.

27. Loan Agreement Cancellation

Loan applications may be withdrawn before disbursement without penalty. Post-disbursement early repayment follows specific loan agreement terms. Most products allow early repayment without prepayment penalties, though certain commercial loans may include fees as disclosed in documentation.

28. Insurance Policy Cancellation

Insurance cancellation follows the specific policy and carrier's regulations. Prepaid premium refunds are calculated pro-rata subject to the carrier's minimum earned premium. Financial Discipline Guide facilitates carrier communication within 5 business days. Cancellation may affect coverage continuity and future insurability.

29. Firm-Initiated Termination

We may suspend or terminate access immediately for: material breach, fraud, regulatory violations, fees overdue 60+ days, security threats, or valid legal orders. Written notice with reasons follows within 10 business days where legally permitted.

30. Investment Holdings After Cancellation

Cancelling advisory services does not liquidate your holdings. You retain full ownership and may: transfer to another custodian, request liquidation (subject to market conditions), or maintain positions with limited management. Unmanaged accounts remain subject to custodial fees.

31. Data Retention Post-Cancellation

We retain personal and transaction data for a minimum of 7 years post-cancellation, or longer if required by financial regulations. Data exports are available during the 30-day wind-down. After retention periods, data is securely deleted or anonymized. Compliance records may be retained indefinitely.

32. Dispute Resolution

Disputes first enter our internal resolution process. If unresolved within 60 days, binding arbitration under AAA Commercial Rules applies, conducted in Chicago, IL (or mutually agreed location). Each party bears its own costs unless the arbitrator determines otherwise. You waive jury trial and class action participation rights.

33. Governing Law

These terms are governed by USA law without regard to conflict of laws provisions. Non-arbitration proceedings belong exclusively in federal or state courts in USA. You consent to personal jurisdiction in these courts.

34. Term Modifications

We may update these terms periodically. Material changes receive 30 days' email notice. Continued use after the effective date constitutes acceptance. The current version is always available on our website and client portal.

35. Severability

If any provision is found invalid or unenforceable, the remaining provisions stay in full effect. The invalid provision is modified to minimum extent necessary for validity, or severed if modification is impossible.

36. Waiver

Failure to enforce any right does not constitute a waiver. Waivers must be in writing and signed by an authorized officer. Waiving one instance does not waive future instances or other provisions.

37. Entire Agreement

These terms, together with applicable service agreements, fee schedules, privacy policy, and incorporated documents, constitute the entire agreement between you and Financial Discipline Guide, superseding all prior communications.

38. Legal Contact

For legal inquiries: Financial Discipline Guide Legal Department, 2415 Ferdinand Ave, Honolulu, HI 96822, USA. Email: legal@financialdisciplineguide.org. Phone: +1 808-541-3483, Option 5. For regulatory complaints, contact the SEC, FINRA, or your state securities regulator.

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