Terms and Conditions.

Welcome to Aspen, a platform connecting individuals seeking financial advice with qualified financial advisors. By accessing or using our services, you agree to be bound by the following terms and conditions. Please read them carefully before using our platform.

1. Acceptance of Terms

1.1. By accessing or using Aspen, you agree to comply with and be bound by these Terms and Services.

1.2. If you do not agree with any part of these terms, you may not access or use our services.

2. Description of Services

2.1. Aspen provides a platform where individuals ("Users") can connect with independent financial advisors ("Advisors") to receive financial advice and related services.

2.2. Users may browse Advisor profiles, view their qualifications and areas of expertise, and schedule appointments for consultations.

2.3. Aspen does not provide financial advice directly. All advice and services are provided by independent Advisors who are not employed by Aspen.

3. User Responsibilities

3.1. Users are solely responsible for their interactions with Advisors, including the decision to engage their services and the accuracy of information provided to them.

3.2. Users agree to provide accurate and complete information when using our platform, including personal and financial information necessary for consultations.

4. Advisor Responsibilities

4.1. Advisors are responsible for providing accurate and reliable financial advice to Users based on their qualifications and expertise.

4.2. Advisors must comply with all applicable laws and regulations, including those related to financial services and data privacy.

5. Fees and Payments

5.1. Users may be required to pay fees for consultations with Advisors, as determined by the Advisor's pricing.

5.2. Aspen may facilitate payments between Users and Advisors, and reserves the right to deduct applicable fees or commissions.

6. Refund Policy

6.1. Advisors are eligible for a full refund if they cancel their subscription within the first 24 hours of renewal.

6.2. Advisors are eligible for a half refund if they cancel their subscription within the first 72 hours of renewal.

6.3. No refunds will be issued for cancellations made after 72 hours of renewal.

7. Disclaimer of Warranty

7.1. Aspen does not guarantee the accuracy, reliability, or suitability of any advice provided by Advisors. Users acknowledge that financial decisions involve risks and should be made with careful consideration.

8. Limitation of Liability

8.1. In no event shall Aspen or the parent company AVO Insights be liable for any damages arising from the use of our platform, including but not limited to direct, indirect, incidental, or consequential damages.

9. Termination

9.1. Aspen reserves the right to terminate or suspend access to our services at any time, with or without cause.

10. Governing Law

10.1. These Terms and Services shall be governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of law provisions.

11. Changes to Terms

11.1. Aspen reserves the right to update or modify these Terms and Services at any time. Users are encouraged to review this page periodically for changes.

By using Aspen, you acknowledge that you have read, understood, and agree to be bound by these Terms and Services. If you have any questions or concerns, please contact us at support@getaspen.com.