Terms & Conditions

1. Agreement to Terms

By accessing or using the services of Quantex Financial Advisors ("we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree with any part of these terms, you should not use our services.

2. Definitions

• "Services" refers to financial advisory, investment management, retirement planning, and tax optimization services provided by Quantex Financial Advisors.
• "Client" or "you" refers to any individual or entity engaging our services.
• "Agreement" means these Terms & Conditions along with any service-specific agreements.
• "Website" refers to our online platform at quantex.blog.

3. Service Description

Quantex Financial Advisors provides professional financial advisory services including:

• Comprehensive retirement planning and income strategies
• Investment advisory and portfolio management
• Tax optimization and strategic planning
• Financial analysis and personalized recommendations

All services are provided on a fiduciary basis, meaning we are legally obligated to act in your best interest.

4. Client Responsibilities

As a client, you agree to:

• Provide accurate, complete, and current information about your financial situation
• Notify us promptly of any material changes in your circumstances, goals, or financial condition
• Review all recommendations and ask questions if anything is unclear
• Make final decisions regarding your financial strategies and investments
• Maintain the security of your account credentials
• Pay fees in accordance with the agreed schedule

5. Fee Structure and Payment

Service Fees

• Retirement Planning: $299 per month
• Investment Advisory: $399 per month
• Tax Optimization: $249 per month

Payment Terms

Fees are billed monthly in advance. Payment is due within 15 days of invoice date. We accept payment via bank transfer, credit card, or ACH debit. Late payments may result in service suspension.

Fee Changes

We reserve the right to modify fees with 60 days written notice. Continued use of services after fee changes constitutes acceptance.

6. Refund Policy

We offer a 90-day satisfaction assurance:

• If you're unsatisfied within the first 90 days, we'll refund fees paid and assist with transition to another advisor
• After 90 days, fees are non-refundable but you may cancel at any time
• Refunds are processed within 14 business days to the original payment method

7. Service Termination

Termination by Client

You may terminate services at any time with 30 days written notice. You remain responsible for fees through the notice period.

Termination by Us

We may terminate services if:

• Fees remain unpaid for more than 30 days
• You provide false or misleading information
• You engage in abusive or threatening behavior toward our staff
• We determine a conflict of interest exists

8. Investment Disclosures

Important disclosures regarding investment services:

• Past performance does not indicate future results
• All investments involve varying degrees of fluctuation
• We cannot predict or control market outcomes
• You may lose some or all invested capital
• Diversification does not eliminate all exposure
• Tax implications vary based on individual circumstances

9. Confidentiality

We maintain strict confidentiality of all client information in accordance with our Privacy Policy and applicable regulations. We will not disclose your information except as required by law or with your explicit consent.

10. Limitation of Liability

To the fullest extent permitted by law:

• Our liability is limited to the fees paid for services in the preceding 12 months
• We are not liable for investment losses resulting from market conditions
• We are not responsible for decisions made against our advice
• We are not liable for indirect, consequential, or punitive damages
• We are not responsible for third-party service failures

11. Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Quantex Financial Advisors and protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without written permission.

12. Dispute Resolution

Informal Resolution

Before pursuing formal action, parties agree to attempt informal resolution by contacting [email protected].

Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration in New York, NY under the rules of the American Arbitration Association.

Governing Law

These terms are governed by the laws of the State of New York without regard to conflict of law provisions.

13. General Provisions

Entire Agreement: These terms constitute the complete agreement between you and Quantex Financial Advisors regarding our services.

Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.

No Waiver: Failure to enforce any provision does not waive our right to enforce it later.

Assignment: You may not transfer your rights under this agreement without our written consent.

14. Contact Information

For questions regarding these Terms & Conditions: