Terms of Service

Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Ajaz Rahman, CFP®, APMA™ website located at https://ajazrahmancfp.com ("Site") and the services provided by Ajaz Rahman, CFP®, APMA™.

By accessing or using our Site, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our Site or use our services.

Description of Services

Ajaz Rahman, CFP®, APMA™ provides financial planning and investment advisory services. Our services include, but are not limited to:

• Comprehensive financial planning
• Retirement planning and income strategies
• Investment management and advisory services
• Tax planning strategies and coordination
• Estate planning coordination
• Insurance and protection planning
• Educational content and resources

Important: Personalized advisory services are provided only pursuant to a written advisory agreement. The information on this website is for general educational purposes and does not constitute personalized advice. Different services may have different fee structures and compensation arrangements.

Advisory Relationship

These Terms govern your use of this website. If you enter into an advisory agreement with Ajaz Rahman, CFP®, APMA™, the terms of that written agreement will govern our advisory relationship and supersede any conflicting terms on this website. Please carefully review any advisory agreement before signing.

Our Form ADV Part 2A (Firm Brochure) contains important information about our services, fees, conflicts of interest, and business practices. You will receive this document before or at the time you enter into an advisory agreement. You may also request a copy at any time or view it at adviserinfo.sec.gov.

User Responsibilities

When using our Site and services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Use the Site only for lawful purposes
• Not interfere with or disrupt the Site or servers
• Not attempt to gain unauthorized access to any part of the Site
• Comply with all applicable laws and regulations

Intellectual Property Rights

The Site and its original content, features, and functionality are owned by Ajaz Rahman, CFP®, APMA™ and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site without prior written consent.

No Investment Advice on Website

The information provided on this Site is for general informational and educational purposes only. Nothing on this Site should be construed as personalized investment advice or a solicitation to buy or sell any security or investment product.

Investment advice is only provided to clients pursuant to a written advisory agreement. Past performance does not guarantee future results. All investments involve risk, including the potential loss of principal.

Dispute Resolution

Any disputes arising from your use of this website or these Terms shall be resolved through the following process:

• Good Faith Negotiation: We will first attempt to resolve disputes through good faith negotiation and discussion
• Mediation: If negotiation fails, disputes may be submitted to non-binding mediation
• Arbitration or Litigation: Unresolved disputes may be submitted to binding arbitration or litigation as provided in any applicable agreement

Note: If you have entered into an advisory agreement that contains an arbitration clause, that clause will govern the resolution of disputes related to advisory services.

Limitation of Liability

To the fullest extent permitted by applicable law, Ajaz Rahman, CFP®, APMA™ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses.

Disclaimer of Warranties

The Site is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any defects will be corrected.

Indemnification

You agree to indemnify, defend, and hold harmless Ajaz Rahman, CFP®, APMA™, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the Site or your violation of these Terms.

Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, United States, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Maryland.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Material changes will be notified by posting the new Terms on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

Contact Information

If you have any questions about these Terms, please contact us: