Terms and Conditions

Guardian Trust Partners
Effective Date: July 14, 2025
Last Updated: July 14, 2025

1. Acceptance of Terms

By accessing or using www.guardiantrustpartners.com ("Website") or any services provided by Guardian Trust Partners ("Company," "we," "our," or "us"), you ("User," "Client," or "you") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use our services.

2. Description of Services

Guardian Trust Partners provides financial services including but not limited to:

Investment advisory services

Financial planning and consultation

Asset management

Market research and analysis

Educational resources and materials

Customer support and communication services

3. Eligibility and Account Registration

3.1 Eligibility Requirements

You must be at least 18 years old

You must be legally capable of entering into binding contracts

You must provide accurate and complete information during registration

You must not be prohibited from using our services under applicable law

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials

You must notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms

4. TCPA and FCC Compliant Communication Services

4.1 Express Written Consent for Marketing Communications

IMPORTANT TCPA CONSENT NOTICE: By providing your cellular phone number and checking the consent box or signing electronically, you expressly consent to receive marketing calls and text messages from Guardian Trust Partners using automated telephone dialing systems or prerecorded/artificial voice messages. This consent is not required as a condition of purchasing any services.

What You're Consenting To:

Marketing and promotional calls and texts

Educational content and market updates

Event invitations and webinar notifications

Account-related communications and alerts

Customer service and support messages

4.2 TCPA Compliance Standards

We strictly adhere to TCPA and FCC requirements:

Before We Contact You:

Obtain express written consent for all marketing communications to cell phones

Verify and document consent with electronic signature or written authorization

Provide clear disclosure that consent is not required to purchase services

Maintain consent records for minimum 4 years per FCC requirements

Communication Limits:

Marketing calls: 8:00 AM to 9:00 PM in your time zone only

No more than 3 marketing calls per week per phone number

Text message frequency: Maximum 5 marketing messages per week

Respect Do Not Call Registry registrations

Our Responsibilities:

Transmit accurate caller identification information

Provide toll-free number for questions: [Your Customer Service Number]

Honor opt-out requests within 30 days

Maintain comprehensive call/text logs and consent records

4.3 A2P (Application-to-Person) Messaging Program

Program Description: Guardian Trust Partners A2P messaging program provides account notifications, educational content, and customer service communications.

Message Types:

Transactional: Account alerts, security notifications, confirmations (no consent required)

Informational: Educational content, market updates (with consent)

Marketing: Promotional offers, event invitations (express written consent required)

Message Frequency: Up to 5 messages per week for marketing content; transactional messages as needed

Messaging Costs: Message and data rates may apply. Standard messaging rates from your carrier apply. We do not charge for messages.

4.4 Comprehensive Opt-Out Rights

Multiple Ways to Opt-Out:

Text Messages: Reply with any of these words: STOP, QUIT, END, CANCEL, UNSUBSCRIBE, REVOKE, OPT-OUT

Phone Calls: Call our opt-out hotline at [Your Opt-Out Number]

Email: Send request to [email protected]

Online: Visit [Your Website]/opt-out

Mail: Write to us at our business address below

Customer Service: Call [Your Customer Service Number] and request removal

Opt-Out Processing:

Text opt-outs: Processed immediately (within 15 minutes)

Call/email opt-outs: Processed within 24 hours

All requests honored within 30 days maximum

Confirmation sent for all opt-out requests

You can opt back in at any time by providing new consent

4.5 Customer Service and Help

Help: Text "HELP" to any short code for assistance

Customer Support: [Your Customer Service Number] (Mon-Fri 8AM-8PM PT)

Email Support: [email protected]

TCPA Compliance Questions: [email protected]

5. California Law Compliance and Customer Rights

5.1 California Consumer Privacy Act (CCPA/CPRA) Integration

As a California-based company, we fully comply with California privacy laws. Your rights are detailed in our Privacy Policy and include the right to know, delete, correct, and opt-out of sale/sharing of personal information.

5.2 National Do Not Call Registry Compliance

We check phone numbers against the National DNC Registry before marketing calls

We maintain our own company-specific Do Not Call list

Internal DNC requests are processed within 30 days

We train all calling personnel on DNC compliance procedures

5.3 CAN-SPAM Act Compliance (Email Marketing)

All marketing emails include:

Clear identification of Guardian Trust Partners as sender

Truthful subject lines that reflect email content

Our physical business address

Clear unsubscribe mechanism that processes requests within 10 days

No transfer of email addresses after opt-out requests

6. User Responsibilities and Prohibited Conduct

6.1 Permitted Use

Use services for lawful purposes only

Provide accurate and current information

Maintain the security of your account

Comply with all applicable laws and regulations

6.2 Prohibited Activities

You may not:

Use services for illegal or fraudulent purposes

Interfere with the proper functioning of our systems

Attempt to gain unauthorized access to accounts or data

Share false or misleading information

Violate any applicable securities laws or regulations

Use automated systems to access our services without permission

7. Investment Disclaimers and Risks

7.1 Investment Risk

All investments involve risk of loss

Past performance does not guarantee future results

Investment values may fluctuate significantly

You may lose some or all of your invested capital

7.2 No Investment Advice Warranty

Information provided is for educational purposes only

We do not guarantee the accuracy or completeness of market information

You should consult with qualified professionals before making investment decisions

We are not responsible for investment losses based on our communications

8. Intellectual Property Rights

8.1 Company Content

All website content, including text, graphics, logos, and software, is our property

Content is protected by copyright, trademark, and other intellectual property laws

You may not reproduce, distribute, or create derivative works without permission

8.2 User-Generated Content

You retain ownership of content you submit to us

You grant us a license to use your content for business purposes

You represent that you have the right to submit such content

9. Privacy and Data Protection

9.1 Privacy Policy Integration

Our Privacy Policy is incorporated into these Terms by reference

We collect, use, and protect your personal information as described in our Privacy Policy

By using our services, you consent to our data practices

9.2 Data Security Commitment

We implement industry-standard security measures to protect your information, including:

Encryption of sensitive data

Regular security audits and updates

Employee training on data protection

Incident response procedures

10. Third-Party Services and Links

10.1 External Links

Our website may contain links to third-party websites

We are not responsible for third-party content or practices

Third-party sites are governed by their own terms and privacy policies

10.2 Service Providers

We work with trusted third-party providers for:

Technology infrastructure

Payment processing

Marketing and communications

Compliance and regulatory services

11. Limitation of Liability

11.1 Disclaimer of Warranties

Services are provided "as is" without warranties of any kind, either express or implied.

11.2 Limitation of Damages

To the maximum extent permitted by law:

Our total liability shall not exceed the fees you paid in the 12 months preceding the claim

We are not liable for indirect, incidental, or consequential damages

We are not liable for investment losses or market-related damages

12. Indemnification

You agree to indemnify and hold us harmless from claims arising from:

Your use of our services

Your violation of these Terms

Your violation of applicable laws or third-party rights

13. Compliance and Regulatory Matters

13.1 Securities Regulations

We comply with applicable securities laws and regulations

Services may be subject to regulatory oversight

We maintain required licenses and registrations

13.2 TCPA and FCC Regulatory Compliance

Strict TCPA Adherence:

Express written consent obtained before marketing communications to cell phones

Comprehensive consent documentation and record-keeping (4+ years)

Compliance with calling time restrictions (8 AM - 9 PM local time)

Accurate caller ID transmission for all calls

National Do Not Call Registry checking and compliance

30-day maximum processing time for opt-out requests

FCC Rule Compliance:

No autodialed calls to cell phones without proper consent

No prerecorded marketing calls without express consent

Proper identification in all communications

Maintained toll-free customer service number

Regular compliance training for all personnel

A2P Messaging Standards:

CTIA Short Code Monitoring Handbook compliance

Mobile carrier terms and conditions adherence

Content filtering and spam prevention measures

Real-time opt-out processing capabilities

Message delivery monitoring and reporting

13.3 Anti-Money Laundering (AML)

We maintain AML policies and procedures including:

Customer identification programs

Suspicious activity monitoring and reporting

Record-keeping requirements

Employee training and compliance oversight

14. Modification of Terms

14.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website.

14.2 Notice of Changes

We will provide notice of material changes through:

Website posting

Email notification to registered users

In-app notifications (where applicable)

14.3 Continued Use

Your continued use of our services after changes constitutes acceptance of the modified Terms.

15. Termination

15.1 Termination by You

You may terminate your account at any time by contacting customer service.

15.2 Termination by Us

We may terminate or suspend your account for:

Violation of these Terms

Fraudulent or illegal activity

Non-payment of fees

Regulatory requirements

15.3 Effect of Termination

Upon termination:

Your right to use services immediately ceases

We may retain information as required by law or regulation

Certain provisions of these Terms survive termination

16. Dispute Resolution

16.1 Governing Law

These Terms are governed by the laws of the State of California and applicable federal laws, including the TCPA, CAN-SPAM Act, and FCC regulations.

16.2 Arbitration

Disputes may be subject to binding arbitration in accordance with the rules of the American Arbitration Association.

16.3 Class Action Waiver

You agree to resolve disputes individually and waive the right to participate in class actions.

17. Miscellaneous Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.

17.2 Severability

If any provision is found unenforceable, the remaining provisions continue in full force.

17.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

17.4 Assignment

We may assign these Terms without your consent. You may not assign your rights without our written consent.