Terms of use
AGREEMENT BETWEEN USER AND Financial Doc Hub:
The Financial Doc Hub Website is comprised of various web pages operated by Financial Doc Hub.
FinancialDocHub.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Financial Doc Hub Website constitutes your agreement to all such terms, conditions, and notices. Financial Doc Hub Website provides a platform for clients to upload and share documents, and is not a licensed financial professional or firm. Nothing found on FinancialDocHub.com is a recommendation to buy or sell any financial product. FinancialDocHub.com content is for educational purposes only. No product companies have endorsed the reviews on this site, nor is Financial Doc Hub compensated for reviews. Financial Doc Hub does not rate or endorse any specific financial product, financial firm, insurance agent or agency and does not warrant any information found on FinancialDocHub.com. Financial Doc Hub does not provide tax, legal, accounting, fiscal, or investment advice. FinancialDocHub.com content should not be construed as advice of any kind. Financial Doc Hub claims no liability for any actions or advice given or decisions made in conjunction with Financial Doc Hub, Affiliates, or the independent financial professional found on this website. It is the users responsibility to research and consult with a licensed financial service professional about their personal situation before making any financial decisions. The “About” feature including the list of “Independent Retirement Consultants", found on this website has been provided on an affiliate licensing basis. Financial Doc Hub holds no liability for any actions, recommendations or advice provided by these independent financial professionals (an “Affiliate”) or decisions made by any client in conjunction with Financial Doc Hub or the independent financial professionals found on FinancialDocHub.com.
MODIFICATION OF THESE TERMS OF USE
Financial Doc Hub reserves the right to change the terms, conditions, and notices under which the Financial Doc Hub Website is offered, including but not limited to the charges associated with the use of the Financial Doc Hub Website.
LINKS TO THIRD PARTY SITES
The Financial Doc Hub Website may contain links to other Websites (“Linked Sites”). The Linked Sites are not under the control of Financial Doc Hub and Financial Doc Hub is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Financial Doc Hub is not responsible for web-casting or any other form of transmission received from any Linked Site. Financial Doc Hub is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Financial Doc Hub of the site or any association with its operators.
NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Financial Doc Hub Website, you warrant to Financial Doc Hub that you will not use the Financial Doc Hub Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Financial Doc Hub Website in any manner which could damage, disable, overburden, or impair the Financial Doc Hub Website or interfere with any other party’s use and enjoyment of the Financial Doc Hub Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Financial Doc Hub Websites.
GOOD FINANCIAL PROFESSIONAL CONDUCT IMPERATIVE
When using this website, you consent to the educational, ethical, and Client-Focused Service values of Financial Doc Hub, FinancialDocHub.com, and the associated independent financial professionals (an “Affiliate”). Financial Doc Hub may terminate your listing at any time if you:
1) Have any serious allegation, marketplace complaint, or online record of moral, ethical, personal, or professional misconduct. Instances of misconduct include dishonesty, misrepresentation of products, client theft, misappropriation of client funds, fraud, state or federal criminal acts, and/or other behaviors against the standards of good business practice as accepted by the insurance, advisory, and financial services industries.
2) Fail, refuse, or neglect to conform your personal and/or professional behavior in line with the educational, ethical, and Client-Focused Service values of Financial Doc Hub, FinancialDocHub.com, and the associated independent financial professionals (an “Affiliate”). Under these conditions, termination of a listing will commence without any form of remuneration.
INTELLECTUAL PROPERTY RIGHTS
Other than content you own, which you may have opted to include on this Website, under these Terms, Financial Doc Hub owns all rights to the intellectual property and material contained, and/or published by Financial Doc Hub. All such rights are reserved.
USE OF COMMUNICATION SERVICES
The Financial Doc Hub Website may contain customer relationship manager (“CRM”) services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:
Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, - material or information.
Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer.
Advertise or offer to sell or buy any goods or services for any business purpose, unless such – Communication Service specifically allows such messages.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
Restrict or inhibit any other user from using and enjoying the Communication Services.
Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
Violate any applicable laws or regulations.
Financial Doc Hub has no obligation to monitor the Communication Services. However, Financial Doc Hub reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Financial Doc Hub reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
Financial Doc Hub reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Financial Doc Hub's sole discretion.
Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Financial Doc Hub does not control or endorse the content, messages or information found in any Communication Service and, therefore, Financial Doc Hub specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Financial Doc Hub spokespersons, and their views do not necessarily reflect those of Financial Doc Hub.
Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
MATERIALS PROVIDED TO Financial Doc Hub OR POSTED AT ANY Financial Doc Hub Website
Financial Doc Hub does not claim ownership of the materials you provide to Financial Doc Hub (including feedback and suggestions) or post, upload, input or submit to any Financial Doc Hub Website or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Financial Doc Hub, its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Financial Doc Hub is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Financial Doc Hub's sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE FINANCIAL DOC HUB Website MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. FINANCIAL DOC HUB AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE FINANCIAL DOC HUB Website AT ANY TIME. ADVICE RECEIVED VIA THE FINANCIAL DOC HUB Website SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
FINANCIAL DOC HUB AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE FINANCIAL DOC HUB Website FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. FINANCIAL DOC HUB AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
TERMINATION/ACCESS RESTRICTION
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINANCIAL DOC HUB AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE FINANCIAL DOC HUB Website, WITH THE DELAY OR INABILITY TO USE THE FINANCIAL DOC HUB Website OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE FINANCIAL DOC HUB Website, OR OTHERWISE ARISING OUT OF THE USE OF THE FINANCIAL DOC HUB Website, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF FINANCIAL DOC HUB Website, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE FINANCIAL DOC HUB Website.
Financial Doc Hub reserves the right, in its sole discretion, to terminate your access to the Financial Doc Hub Website and the related services or any portion thereof at any time, without notice.
GENERAL NOTICE
To the maximum extent permitted by law, this agreement is governed by the laws of the State of Tennessee, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Davidson County, Tennessee, U.S.A. in all disputes arising out of or relating to the use of the Financial Doc Hub Website. Use of the Financial Doc Hub Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Financial Doc Hub as a result of this agreement or use of the Financial Doc Hub Website. Financial Doc Hub performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Financial Doc Hub right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Financial Doc Hub Website or information provided to or gathered by Financial Doc Hub with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Financial Doc Hub with respect to the Financial Doc Hub Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Financial Doc Hub with respect to the Financial Doc Hub Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.
CONTENT USAGE BY FINANCIAL PROFESSIONALS
Financial Doc Hub listings and listings information may not be substituted at any point for anyone other than the Designated Financial Professional for each individual listing. The Affiliate can terminate or suspend the listing at any time.
If an individual listing is canceled for a designated financial professional within 12 calendar months of the date of affiliation, any renewal of a listing for that designated financial professional will be subject to a new Affiliation Agreement with Financial Doc Hub once the 12 calendar months are satisfied. Once an individual listing is canceled for a designated financial professional, the designated financial professional must cease use of Financial Doc Hub materials and content in their business. Continuing use of Financial Doc Hub consumer materials and content after a listing cancellation will subject the parties using Financial Doc Hub materials under violation of these terms and conditions to possible litigation.
CONTENT USAGE BY THIRD-PARTY FINANCIAL COMPANIES
Only with contractual agreement with Financial Doc Hub, including but not limited to written authorized permission by Financial Doc Hub and agreed-upon terms with Financial Doc Hub, may financial firms, insurance agencies, field marketing organizations, independent marketing organizations, insurance carriers, broker/dealers, registered investment advisors, and other third-party financial companies use Financial Doc Hub and any of its branding concepts, consumer guides, articles, handouts, brochures, and any other content for Financial Doc Hub. Listings by third-party financial companies for their appointed financial professionals are available for an annual basis only. Terms subject to change after 12 calendar months from date of applied listing. Each listing may only be used for one designated financial professional and is not transferable.
Financial Doc Hub listings and listings information may not be substituted at any point for anyone other than the designated financial professional for each individual listing. The Affiliate can terminate or suspend the listing at any time, and without any recourse.
If an individual listing is canceled for a designated financial professional within 12 calendar months of the date of affiliation, any renewal of a listing for that designated financial professional will be subject to new terms retail cost by Financial Doc Hub once the 12 calendar months are satisfied. Once an individual listing is canceled for a designated financial professional, the designated financial professional must cease use of Financial Doc Hub materials and content in their business. Continuing use of Financial Doc Hub consumer materials and content after a listing cancellation will subject the parties using Financial Doc Hub materials under violation of these terms and conditions to possible litigation.
GEOTARGETING SERVICES – CANCELLATION RIGHTS
One paid service that our Authorized Marketing Associate or Authorized Marketing Suppliers (collectively “Authorized Marketing Service Provider”) offers to Financial Doc Hub Affiliates, is geo targeted ad placements on select pages of FinancialDocHub.com. This is done on a by-territory basis. Each Authorized Marketing Service Provider reserves the right to cancel an Affiliate’s active territory within its geotargeting services in accordance with the terms of such providers Service Agreement. Furthermore, each Marketing Service Provider reserves the right to then offer this territory to another Affiliate.
LEAD GENERATION PROGRAMS – PARTICIPATION RIGHTS
One paid service that our Authorized Marketing Associate or Authorized Marketing Supplier (collectively “Marketing Service Providers”) offers to Financial Doc Hub Affiliates, is lead generation programs. Any results from these programs are not guaranteed. Financial professionals participating in this program have the responsibility of following up with these leads personally and closing sales. Participating financial professionals are subject to the terms and conditions of the Authorized Marketing Service Provider’s Service Agreement. Each Authorized Marketing Service Provider reserves the right to cancel an Affiliate’s participation within its lead generation programs in accordance with the terms of Service Agreement and at its sole discretion.
All content and images used in this website or educational consumer campaigns published by Financial Doc Hub are owned or licensed by Financial Doc Hub only. Unauthorized duplication or use or content or images found on this website or published educational consumer campaigns will be enforced to the fullest extent of the law. All rights reserved. Financial Doc Hub. Copyright 2025.
COPYRIGHT AND TRADEMARK NOTICES
All content and images used in this website or educational consumer campaigns published by Financial Doc Hub are owned or licensed by Financial Doc Hub only. Unauthorized duplication or use or content or images found on this website or published educational consumer campaigns will be enforced to the fullest extent of the law . All rights reserved. Financial Doc Hub. Copyright 2025.
TRADEMARKS
The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.
Any rights not expressly granted herein are reserved.
NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by Financial Doc Hub infringe your copyright, you, or your agent may send to Financial Doc Hub a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon Financial Doc Hub actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to Financial Doc Hub a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Financial Doc Hub's Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: [email protected].
Financial Doc Hub™ © 2025 All Rights Reserved.
For educational and informational purposes only. Financial Doc Hub™ does not provide any tax, legal, accounting, or investment advice.
Financial Doc Hub™ is a document upload and sharing software used by Independently Licensed Financial Professionals, each who operate their own independent financial service business. Financial Professionals pay to use Financial Doc Hub™ to upload and share documents and are not employees of Financial Doc Hub™. The Financial Professionals using Financial Doc Hub™ may recommend products or services of which Financial Doc Hub™ have no control over.
Individuals should seek consultation with a qualified financial professional before making decisions about any recommended product.
For additional information, please review the Terms of Use and Important Disclaimers on this website.