Terms of Service

1. Agreement to Terms

By accessing or using the Empyre Finance website, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this website.

These Terms of Service constitute a legally binding agreement between you and Empyre Finance. We reserve the right to update or modify these terms at any time, and your continued use of the website constitutes acceptance of any changes.

You represent that you are at least 18 years of age and have the legal capacity to enter into these Terms of Service. If you are accessing the website on behalf of an organization, you represent that you have authority to bind that organization to these terms.

2. Use of Our Website

You may use our website for lawful purposes only. You agree not to use the website in any way that violates any applicable federal, state, local, or international law or regulation. You may not use the website to transmit any harmful, threatening, abusive, or offensive content.

You agree not to attempt to gain unauthorized access to any portion of the website, other accounts, computer systems, or networks connected to the website. You may not use any automated means, such as bots or scrapers, to access or collect information from the website without our express written permission.

3. Financial Information Disclaimer

The content on this website, including articles, calculators, guides, and other resources, is provided for general informational and educational purposes only. Nothing on this website should be construed as personalized financial, investment, tax, or legal advice.

Financial markets are inherently unpredictable, and past performance of any investment strategy, product, or approach does not guarantee future results. All investments carry risk, including the potential loss of principal. You should always consult with a qualified financial professional before making any financial decisions.

The calculators and tools provided on this website produce estimates based on the information you input and are intended for illustrative purposes only. Actual results may vary significantly based on market conditions, tax laws, and individual circumstances.

4. No Fiduciary Relationship via Website

Your use of this website does not create a fiduciary relationship, client-advisor relationship, or any professional relationship between you and Empyre Finance. A formal advisory relationship is only established through the execution of a written advisory agreement.

General information provided through the website, newsletters, or educational content does not constitute a recommendation or solicitation to buy, sell, or hold any particular security or investment product. Any reliance you place on information found on this website is strictly at your own risk.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software — is the property of Empyre Finance or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this website without the prior written consent of Empyre Finance. Limited personal, non-commercial use is permitted, provided you maintain all copyright and proprietary notices.

6. User Submissions & Communications

When you submit information through our contact forms, consultation requests, or other communication channels, you grant Empyre Finance the right to use that information for the purpose of responding to your inquiry and providing our services.

You are responsible for the accuracy of any information you provide. You agree not to submit false, misleading, or fraudulent information through any form on our website. Any personal or financial information submitted is subject to our Privacy Policy.

7. Third-Party Services & Links

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by Empyre Finance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

The inclusion of any link does not imply endorsement, approval, or recommendation by Empyre Finance. You access third-party websites and services at your own risk, and we encourage you to read the terms and conditions and privacy policies of any third-party website you visit.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Empyre Finance and its officers, directors, employees, agents, affiliates, and successors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this website.

This limitation applies to all claims, whether based on warranty, contract, tort, negligence, strict liability, or any other legal theory, and whether or not Empyre Finance has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless Empyre Finance and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the website, violation of these Terms, or infringement of any intellectual property or other rights of any third party.

This indemnification obligation shall survive the termination of these Terms of Service and your use of the website.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the state or federal courts located in Collin County, Texas.

You consent to the personal jurisdiction of such courts and waive any objections to the exercise of jurisdiction by such courts and any objections to venue in such courts.

11. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms of Service, the parties agree to first attempt to resolve the dispute through good-faith negotiation. If the dispute cannot be resolved through negotiation within 30 days, either party may pursue mediation before a mutually agreed-upon mediator in Collin County, Texas.

If mediation is unsuccessful, the dispute may be resolved through binding arbitration or litigation in the courts of Collin County, Texas, at the election of either party. The prevailing party in any legal proceeding shall be entitled to recover its reasonable attorneys' fees and costs.

12. Modifications to Terms

We reserve the right to modify, amend, or update these Terms of Service at any time at our sole discretion. Any changes will be effective immediately upon posting on this page with an updated effective date.

Your continued use of the website following the posting of any changes constitutes your acceptance of those changes. We encourage you to review these Terms periodically. For material changes, we will make reasonable efforts to provide notice through our website or via email.

13. Contact Information

If you have any questions about these Terms of Service, please contact us. We are committed to addressing any concerns or inquiries regarding these terms promptly and professionally.

You can reach us through our contact page, by email at legal@empyrefinance.com, or by mail at Allen, TX.

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