Terms and conditions

1. Introduction

Welcome to Ric Komarek, CFP®'s website. By accessing and
using this website, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services.

2. Services

Ric Komarek, CFP® provides financial advisory services to clients. Our services may include:

·        Investment advice

·        Retirement planning

·        Tax planning

·        Estate planning

·        Risk management

3. Use of Website

You agree to use this website for lawful purposes only and in a manner that does not infringe upon or restrict the rights of others. You
must not:

Attempt to gain unauthorized access to our systems Transmit any viruses or harmful code Use the website in any way that could damage or impair its functionality

4. Privacy and Data Protection

We are committed to protecting your privacy. Our Privacy Policy, which is incorporated into these Terms and Conditions, explains how we collect, use, and protect your personal information. By using our website and services, you consent to the data practices described in our Privacy Policy.

5. Email Subscriptions and Forms

When you sign up for our email list or fill out forms on our
website:

·         You provide explicit consent to receive communications from us.

·         We will clearly state the purpose of each form and how we'll use your data.

·         You can unsubscribe from our communications at any time.

·         We may use your IP address, location, date, and time of subscription for consent documentation.

·         If you change your email address, we may ask you to resubscribe to ensure continued consent.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Ric Komarek, CFP® and is protected by
copyright laws. You may not reproduce, distribute, or use any content without our express written permission.

7. Disclaimer of Warranties

The information provided on this website is for general informational purposes only and does not constitute financial advice. We make
no warranties or representations about the accuracy or completeness of the website's content.

8. Limitation of Liability

Ric Komarek, CFP® shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of, the website.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or privacy practices of these sites and
encourage you to review their terms and conditions.

10. Governing Law

hese Terms and Conditions shall be governed by and construed in accordance with the laws of California.

11. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to the website. Your continued use of the site after changes are posted constitutes your
acceptance of the modified terms.

12. GDPR Compliance

For users in the European Union, we comply with the General
Data Protection Regulation (GDPR). This includes:

·         Obtaining specific consent for different data usage purposes.

·         Providing easy access to our privacy policy.

·         Ensuring your right to access, correct, or delete your personal data.

·         Implementing appropriate data security measures

13. Contact Information

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

Ric Komarek, CFP® 2520 Goodwater Ave. Ste. B, Redding, CA 96002 530-232-5158 [email protected]

By using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.