Terms & Conditions
Last Updated: October 2025
Welcome to Guerra Financial Group.
By using our services, opting into SMS communications, or accessing our website, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully.
1. Business Information
Business Name: Guerra Financial Group
Business Structure: Sole Proprietorship
Email: [email protected]
Phone: +1 (719) 238-5288
2. Services
Guerra Financial Group provides financial consulting, financial education, and related advisory services.
The scope of services, program details, pricing, and timelines will be agreed upon in writing prior to the start of any service.
All services are provided for informational and educational purposes only and do not constitute legal, tax, accounting, or investment advice unless explicitly stated in a signed agreement.
Clients are responsible for consulting licensed professionals when making financial decisions.
3. Eligibility (18+ Requirement)
You must be at least 18 years of age to use our services or opt into SMS communications.
By using our website or enrolling in our services, you represent and warrant that you are 18 years of age or older.
4. Client Responsibilities
Clients agree to:
Provide accurate and complete financial and personal information necessary for services.
Notify Guerra Financial Group of any changes that may affect the scope of services.
Understand that financial decisions remain the client’s responsibility.
Changes to the agreed scope of services may result in additional fees or adjusted timelines.
5. SMS Communications
Consent to Receive Messages
By providing your phone number and opting in through website forms, appointment forms, or other written/digital consent methods, you agree to receive SMS messages from Guerra Financial Group.
Consent is obtained through clear, customer-initiated sign-ups that disclose:
The purpose of messaging
Opt-out instructions
That message frequency may vary
That message and data rates may apply
Types of Messages You May Receive
Messages may include:
Appointment confirmations and reminders
Service updates and administrative notifications
Follow-ups regarding services
Document reminders or scheduling updates
Marketing and promotional messages if separately consented
We do not send unsolicited marketing text messages.
Message Frequency
Message frequency varies depending on your interaction with our services.
Message & Data Rates
Message and data rates may apply depending on your mobile carrier plan.
Opt-Out Instructions
You may opt out of SMS communications at any time by replying:
STOP – to unsubscribe
HELP – for assistance
After sending STOP, you will receive a confirmation message and will no longer receive SMS messages unless you re-enroll.
Carrier Liability Disclaimer
Wireless carriers are not liable for delayed or undelivered messages.
Privacy Policy
Information collected through SMS communications will be handled according to our Privacy Policy:
[Insert Privacy Policy URL here]
SMS consent and phone numbers are never shared, sold, or transferred to third parties for marketing purposes.
6. Warranties & Liability
Guerra Financial Group strives to provide services with professionalism and care.
However, we are not responsible for financial outcomes resulting from:
Client decisions
Incomplete or inaccurate information
Market conditions
External economic factors
Liability is limited to the amount paid for services rendered.
7. Cancellations
Cancellations must be submitted in writing via email.
Refunds, if any, are determined based on:
Work already completed
Time invested
Resources already allocated
8. Website Use
All website content is provided for informational purposes only.
Users may not copy, reproduce, distribute, or misuse any website content without prior written permission.
9. Privacy & Data Sharing
Guerra Financial Group respects your privacy.
We do not sell, rent, trade, or share personal data (including name, email, or phone number) with third parties.
Phone numbers and SMS consent are never shared or sold.
Information may be disclosed only:
When required by law or government authorities
To protect the rights, safety, or property of Guerra Financial Group or others
For more details, review our Privacy Policy:
[Insert Privacy Policy URL here]
10. Governing Law
These Terms & Conditions are governed by the laws of the State of Colorado, United States, unless otherwise specified.
Any disputes will be resolved in the appropriate courts within the state.
11. Customer Support Contact
For assistance regarding services or SMS communications:
Phone: +1 (719) 238-5288
Or reply HELP to any SMS message.
12. Updates to These Terms
Guerra Financial Group may update these Terms & Conditions at any time.
Updates will be posted with a revised “Last Updated” date.
Continued use of services constitutes acceptance of the updated terms.