Acceptance of Terms

PHD Financial LLC (“PHD Financial”) maintains this website (the “Site”) for your personal use. As such, your access to and use of this Site is subject to the following terms and conditions (the “Terms of Use”). PHD Financial reserves the right to update these Terms of Use, in its sole discretion, at any time and without notice. The most current version of the Terms of Use may be accessed by clicking on the “Click Here” hypertext link located at the bottom of the Site. By using this Site, you acknowledge, agree to and accept, without limitation or qualification, these Terms of Use.

Information contained on this Site is intended to be informative only. While PHD Financial strives to ensure that the information contained in this Site is accurate and reliable, PHD Financial makes no warranties or representations as to the accuracy, correctness, reliability or otherwise with respect to such information, and the same may be subject to errors, omissions, changes or withdrawal without notice. PHD Financial makes no warranty or representation, express or implied, as to the accuracy or completeness of any information contained or referenced on this Site, whether obtained from or based upon third party sources or otherwise. Neither you, nor any other person, shall be entitled to rely hereon, and PHD Financial assumes no liability or responsibility for any such omissions, inaccuracies or errors in the content of this Site.

Modification of Site

PHD Financial may periodically revise the information, services and resources contained in this Site and reserves the right to make such changes at any time and without notice.

Your use of the Site

You may, at your own risk, download content for non-commercial, personal use only, provided copyright, trademark or other proprietary notices remain unchanged and visible and your personal use is in accordance with applicable local, state and federal law (including without limitation, copyright, trademark and other intellectual property laws). PHD Financial (or the applicable third party provider) shall remain all rights and title in, to and under all information contained on the Site, and, for the avoidance of doubt, no right, title or interest in any downloaded materials is transferred to you as a result of any downloading or copying. You agree that you will not otherwise copy, modify, alter, display, distribute, sell, broadcast or transmit any material on the Site in any manner without the express prior written permission of PHD Financial.

No unlawful or prohibited use

As a condition of your use of the Site, you will not use the Site for any purpose that is unlawful or prohibited by these Terms of Use or any applicable laws.

Privacy policy

PHD Financial’s use of any personal data you submit to the Site is subject to these Terms of Uses, including, without limitation, the terms of Submissions provided above.


The site is provided on an “as is” basis. PHD Financial expressly disclaims all warranties, including the warranties of merchantability, fitness for a particular purpose and non-infringement. PHD Financial disclaims all responsibility for any loss, injury, claim, liability or damage of any kind resulting from, arising out of or any way related to (a) any errors in or omissions from this site and the content, including but not limited to technical inaccuracies and typographical errors, (b) any third party websites or content therein directly or indirectly accessed through links in this site, including but not limited to any errors in or omissions therefrom, (c) the unavailability of the site or any portion thereof, (d) your use of this site or (e) your use of any equipment or software in connection with the site.

Limitation of liability

In no event and under no legal or equitable theory, whether in tort, contract, strict liability or otherwise, shall PHD Financial be liable for any direct, indirect, special, incidental or consequential (or any other type of) damages arising out of any use of the Site or any information contained herein, including, without limitation, damages for lost profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or computer failure or malfunction.


You agree to defend, indemnify and hold PHD Financial and its directors, partners, employees and agents harmless from and against any and all claims, damages, costs and expenses, including attorney’s fees, arising from and related to your use of the Site.

Copyright notice

Unless otherwise noted, the graphic images, buttons and text contained in this Site are the exclusive property of PHD Financial. These items may not be copied, distributed, displayed, reproduced, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise without the express prior written permission of PHD Financial.


This Site features logos, brand identities and other trademarks and service marks (collectively, the “Marks”) that are the property of, or are licensed to, PHD Financial. Nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Mark displayed on this Site without the express written permission of PHD Financial or any such third party that may own a Mark displayed on the Site.

Links to third-party sites

As a convenience to users, this Site may link to other sites owned and operated by third parties and not maintained by PHD Financial. However, even if such third parties are affiliated with PHD Financial, PHD Financial has no control over these linked sites, all of which have separate privacy and data collection practices and legal policies independent of PHD Financial. PHD Financial is not responsible for the contents of any linked sites and does not make any representations regarding the content or accuracy of material on such sites. Viewing such third-party sites is entirely at your own risk.

Cautionary language regarding forward-looking statements

Nothing on this Site is to be construed as an offer to purchase or sell any real estate or securities. Nevertheless, this Site may contain statements, estimates or projections that constitute “forward-looking statements” as defined under U.S. federal securities laws. Any such forward looking statements are inherently speculative and are based on currently available information, operating plans and projections about future events and trends. As such, they are subject to numerous risks and uncertainties. Actual results and performance may be significantly different from PHD Financial’s historical experience and our present expectations or projections. PHD Financial undertakes no obligation to publicly update or revise any forward-looking statements.

Online Accessibility – ADA Compliance

If you have questions or concerns about the accessibility of our website, please submit your comments to Please provide specific details about the accessibility issue you have encountered, including the webpage URL address where the issue occurred.

Reasonable Accommodations – ADA Compliance

Individuals who need reasonable accommodation to access PHD Financial’s products and services can submit your request to Be sure to include contact information including your email address and telephone number, so we can respond to your request in a timely manner.


PHD Financial maintains and operates this Site from its offices in West Palm Beach, Florida, United States of America. These Terms of Use are governed and interpreted under the laws of the State of Florida, United States of America. By using this Site, you consent to the jurisdiction of the courts located in Florida for any action arising from these Terms of Use. Any cause of action or claim you may have with respect to the Site must be commenced within one (1) year after the claim or cause of action arises. If any portion of these Terms of Use is deemed unlawful, void or unenforceable, then that part shall be deemed severable and shall be construed in accordance with applicable law. Such a term will not affect the validity and enforceability of any remaining provisions. PHD Financial’s failure to act with respect to a breach of these Terms of Use by you or others does not constitute a waiver and shall not limit PHD Financial’s rights with respect to such breach or any subsequent breaches.