These Terms of Service ("Terms") govern your access to and use of the HEMISPHERES FINANCIAL GROUP LLC website (hemispheresfinancialgroup.com) and our SMS / text message communications program. By using the website or opting in to text messages, you agree to these Terms.
1. About Us
HEMISPHERES FINANCIAL GROUP LLC, doing business as Hemispheres Financial Group, is an independent financial services firm headquartered in Orlando, Florida, providing retirement income planning, life insurance, and related advisory services. Investment advisory services are offered through HEMISPHERES FINANCIAL GROUP LLC. Insurance products are offered through licensed agents.
2. Use of the Website
The information on this website is provided for general educational and informational purposes only. It does not constitute financial, legal, tax, or insurance advice. You should consult with qualified professionals before making any financial decision based on information you find on this site.
You agree not to use the website for any unlawful purpose, to attempt to gain unauthorized access to any portion of the site, or to interfere with the proper functioning of the website.
3. SMS / Text Message Program
HEMISPHERES FINANCIAL GROUP LLC operates an SMS / text message program for clients and prospective clients who explicitly opt in. The following terms apply to that program:
Program description
By opting in, you may receive text messages from HEMISPHERES FINANCIAL GROUP LLC that may include any of the following:
- Appointment reminders and scheduling confirmations
- Account updates and service notifications
- Educational content and financial planning resources
- Marketing communications regarding our services (only if you opt in to marketing messages specifically)
Message frequency varies based on the type of communication and your relationship with our firm.
Opt-in
You will only receive text messages from HEMISPHERES FINANCIAL GROUP LLC if you have explicitly opted in by checking the corresponding box on our contact form, providing written consent during a meeting, or otherwise affirmatively requesting SMS communication. You will never be enrolled in our SMS program without your explicit consent.
Opt-out
You can cancel the SMS service at any time. Just text "STOP" to 941.416.4930. After you send "STOP," we will send you a confirmation message and you will not receive any additional messages from us unless you opt in again.
Help
Reply HELP for assistance or contact us at cmartin@hemispheresfinancialgroup.com or 941.416.4930.
Carrier liability
Carriers are not liable for delayed or undelivered messages.
Costs
Message and data rates may apply. Charges for any messages received depend on your individual mobile carrier plan. HEMISPHERES FINANCIAL GROUP LLC does not charge a fee for participation in the program; any costs associated with receiving messages are governed by your wireless carrier.
Eligible carriers
The SMS program is available across major U.S. wireless carriers, including AT&T, Verizon Wireless, T-Mobile, and others. Carrier participation is subject to change.
4. Privacy
Your use of this website and the SMS program is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains how we collect, use, and protect your information, including how SMS opt-in data is handled (it is not shared with third parties or affiliates for marketing or promotional purposes).
5. Intellectual Property
All content on this website — text, articles, images, logos, design — is owned by HEMISPHERES FINANCIAL GROUP LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written permission, except for personal, non-commercial use.
6. Disclaimers
The website and our communications are provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the website's operation, content accuracy, or availability. To the maximum extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Examples and case studies on this website are hypothetical and for educational purposes. Individual results will vary. Past performance does not guarantee future results. Annuity and insurance product guarantees are subject to the claims-paying ability of the issuing insurance company.
7. Limitation of Liability
To the fullest extent permitted by law, HEMISPHERES FINANCIAL GROUP LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or our SMS program — including, without limitation, damages for delayed or undelivered messages, loss of data, or loss of business.
8. Changes to These Terms
We may update these Terms from time to time. The "Effective" date at the top of this page reflects the most recent revision. Continued use of the website or the SMS program after changes constitutes acceptance of the revised Terms.
9. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws provisions. Any disputes arising under these Terms will be resolved in the state or federal courts located in Orange County, Florida.
10. Contact Us
Questions about these Terms?
- HEMISPHERES FINANCIAL GROUP LLC
- 7800 Southland Blvd Suite 200
- Orlando, FL 32809
- Phone: 941.416.4930
- Email: cmartin@hemispheresfinancialgroup.com