Effective Date: May 7, 2025

Welcome to PHD Financial LLC ("Company", "we", "us", or "our"). These Terms and Conditions govern your use of our website https://phdfinancial.com/ ("Website") and our SMS/text messaging services. By using this Website, subscribing to our services, or opting into SMS/text communications, you agree to comply with and be bound by these Terms.

1. Use of Website

By accessing the Website, you warrant that you are at least 18 years old and legally capable of entering into binding contracts. You agree not to use the Website for any unlawful or prohibited purpose.

2. SMS/Text Messaging Terms

A. Consent

By providing your mobile number and by clicking ‘I accept’ on our Website or through any other Company channel, you expressly consent to receive recurring SMS/text messages from or on behalf of PHD Financial LLC. These may include:

• Updates about your account or services

• Marketing promotions and special offers

• Reminders and alerts

• Information regarding loan options or financial consultations

Consent is not a condition of purchase.

B. Message Frequency

Message frequency varies. You may receive multiple messages per week depending on your interactions and preferences.

C. Cost

Message and data rates may apply depending on your mobile carrier plan. You are solely responsible for any charges incurred for SMS communications.

D. Opt-Out

You may opt out of SMS communications at any time by replying:

• STOP to cancel

• HELP for help or more information

After texting STOP, you may receive a one-time confirmation message stating that you have opted out.

E. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. We are not responsible for failed, delayed, or misdirected delivery of any SMS or email communications.

F. User Responsibility

You agree to provide accurate, up-to-date contact information and acknowledge that unauthorized use of another’s mobile number to receive our messages is prohibited.

3. Intellectual Property

All content on this Website, including text, images, graphics, logos, and software, is the property of PHD Financial LLC or its licensors. Unauthorized use is prohibited.

4. Third-Party Links

This Website may contain links to third-party websites or services. We do not control or endorse these sites and are not responsible for their content or practices.

5. Limitation of Liability

PHD Financial LLC is not liable for any indirect, incidental, special, or consequential damages that result from your use or inability to use this Website or any SMS/text services, including but not limited to any errors or interruptions.

6. Dispute Resolution

Any dispute arising out of these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration will take place in the state where PHD Financial LLC is headquartered.

7. Governing Law

These Terms are governed by the laws of the State of [Insert State, e.g., Georgia or Florida] without regard to conflict of laws principles.

8. Changes to Terms

We reserve the right to update or modify these Terms at any time. Continued use of the Website or SMS services after such changes signifies your acceptance of the revised Terms.

9. Contact Us

For questions or support, please reach out via our Contact Form or email us at Info@phdfinancial.com.