Terms of Service

Williams Financial Group

Effective Date: May 12, 2026

IMPORTANT: PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS WEBSITE.

Section 1 – Acceptance of Terms

By accessing or using the Williams Financial Group website (the “Site”), you agree to be legally bound by these Terms of Service (“Terms”). These Terms constitute a binding legal agreement between you and Williams Financial Group. If you do not agree to these Terms, you must discontinue use of the Site immediately.

These Terms apply to all visitors, users, and others who access or use the Site, regardless of purpose or frequency of access.

Williams Financial Group reserves the right to update, revise, or modify these Terms at any time and at its sole discretion. Any changes will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of those changes. Users are encouraged to review these Terms periodically to remain informed of any updates.

Section 2 – Description of Services

Williams Financial Group provides information about insurance products, financial planning, and related financial services to individuals and businesses in Texas and surrounding areas. Our licensed professionals are committed to helping clients make informed decisions about their financial and insurance needs.

The Site serves as an informational resource and does not constitute an offer to sell or a solicitation to purchase any insurance or financial product unless explicitly stated. Actual services are provided subject to separate client agreements, applicable licensing, and all relevant state and federal regulatory requirements.

The Site may include links to third-party tools, carrier portals, and resource calculators provided for your convenience only. These tools are not operated or controlled by Williams Financial Group, and their inclusion does not constitute an endorsement of any kind.

Williams Financial Group and its representatives are duly licensed under the applicable Texas Department of Insurance regulations and all relevant financial regulatory authorities. Licensure information is available upon request.

Section 3 – Informational Purpose and No Professional Advice

All content published on this Site is provided for general informational purposes only. Nothing on the Site constitutes, or should be construed as, legal, tax, financial, investment, or insurance advice of any kind.

Users are strongly encouraged to consult a qualified and licensed professional—including legal counsel, a certified financial planner, or a licensed insurance agent—for advice tailored to their specific personal or business circumstances before making any financial or insurance-related decisions.

No client, advisory, fiduciary, or professional relationship of any kind is created or implied by your use of this Site or by any communication transmitted through the Site.

Insurance coverage, eligibility determinations, premium amounts, and specific policy terms are governed exclusively by the terms and conditions of the applicable individual policy documents issued by the underwriting insurer. Any general descriptions of coverage on the Site are provided for illustrative purposes only.

Section 4 – User Responsibilities

By using the Site, you represent, warrant, and agree that:

You will access and use the Site only for lawful purposes and strictly in accordance with these Terms and all applicable federal, state, and local laws and regulations.

You will provide accurate, current, and complete information when submitting any form, inquiry, or request through the Site, and you will promptly update any information you have provided to ensure it remains accurate.

You are solely responsible for maintaining the confidentiality and security of any account credentials, login information, or personal identification you use in connection with the Site.

You will not use the Site in any manner that could damage, disable, overburden, or impair the Site or its servers, or that could interfere with any other user's ability to use and enjoy the Site.

You are at least 18 years of age, or, if you are under 18 years of age, you have obtained the express consent and authorization of a parent or legal guardian to use the Site.

Section 5 – Prohibited Uses

In addition to all other restrictions set forth in these Terms, you are expressly prohibited from using the Site in any of the following ways:

For any unlawful purpose or in violation of any applicable federal, state, or local law or regulation, including but not limited to laws governing financial services, insurance, and consumer protection.

Attempting to gain unauthorized access to any portion of the Site, any related server or database, or any network connected to the Site.

Transmitting or facilitating the transmission of any unsolicited or unauthorized advertising, promotional material, spam, junk mail, chain letters, or similar solicitation.

Uploading, posting, or transmitting any virus, malware, ransomware, spyware, Trojan horse, worm, time bomb, or any other malicious or technologically harmful code or program.

Collecting, harvesting, scraping, or otherwise obtaining any personally identifiable information from the Site, including user names or email addresses, without prior written authorization from Williams Financial Group.

Impersonating Williams Financial Group, any of its officers, employees, agents, or affiliates, or any other person or entity in connection with your use of the Site.

Engaging in any conduct that restricts, inhibits, or discourages any other person from using or enjoying the Site.

Using any automated means, including but not limited to bots, scrapers, crawlers, data miners, or similar technologies, to access, monitor, or extract content from the Site without the prior express written consent of Williams Financial Group.

Reproducing, duplicating, copying, selling, reselling, or otherwise exploiting any portion of the Site or its content for any commercial purpose without the express prior written permission of Williams Financial Group.

Section 6 – Intellectual Property

All content on the Site—including but not limited to text, articles, graphics, logos, images, photographs, data compilations, and software—is the exclusive property of Williams Financial Group or its respective licensors and is protected by applicable United States copyright, trademark, trade dress, and other intellectual property laws and international treaties.

The “Williams Financial Group” name, logo, and all related marks, trade names, and service marks are trademarks of Williams Financial Group. Unauthorized use of any such marks, whether in connection with products, services, or any other matter, is strictly prohibited and may give rise to legal action.

Subject to your full compliance with these Terms, Williams Financial Group grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site solely for personal, non-commercial informational purposes. This license does not include any right to sublicense, modify, adapt, translate, reverse engineer, decompile, or disassemble any portion of the Site.

No content from the Site may be reproduced, distributed, modified, publicly displayed, publicly performed, republished, transmitted, or otherwise exploited in any form or by any means without the express prior written consent of Williams Financial Group.

Section 7 – Third-Party Links and Content

The Site may contain hyperlinks to third-party websites, insurance carrier portals, government resources, or external tools. These links are provided solely for your convenience and informational purposes.

Williams Financial Group does not endorse, control, sponsor, or assume any responsibility for the content, accuracy, privacy practices, terms of service, products, or services of any third-party websites or resources. The inclusion of any link does not imply affiliation, approval, or endorsement by Williams Financial Group.

Your access to and use of any third-party website is entirely at your own risk. You are subject to the terms of service, privacy policies, and other applicable policies of those third-party sites, and you are encouraged to review them carefully before providing any personal information or engaging in any transaction.

Section 8 – Disclaimers

THE SITE AND ALL CONTENT, MATERIALS, INFORMATION, PRODUCTS, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WILLIAMS FINANCIAL GROUP EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WILLIAMS FINANCIAL GROUP DOES NOT WARRANT THAT THE SITE WILL BE CONTINUOUSLY AVAILABLE, UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. WILLIAMS FINANCIAL GROUP DOES NOT WARRANT THAT THE SITE OR ANY SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES, HARMFUL COMPONENTS, OR OTHER MALICIOUS CODE.

WILLIAMS FINANCIAL GROUP DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION, CONTENT, OR MATERIALS PUBLISHED ON OR MADE AVAILABLE THROUGH THE SITE.

INSURANCE QUOTES, PREMIUM ESTIMATES, COVERAGE ILLUSTRATIONS, AND SIMILAR OUTPUTS GENERATED OR DESCRIBED ON THE SITE ARE PROVIDED FOR ILLUSTRATIVE PURPOSES ONLY. THEY ARE NOT BINDING OFFERS AND ARE EXPRESSLY SUBJECT TO UNDERWRITING REVIEW, ELIGIBILITY DETERMINATIONS, AND FINAL APPROVAL BY THE APPLICABLE INSURER OR UNDERWRITING AUTHORITY.

Section 9 – Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE TEXAS LAW, WILLIAMS FINANCIAL GROUP, AND ITS RESPECTIVE OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS, AND SUCCESSORS SHALL NOT BE LIABLE TO ANY USER OR THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND ARISING OUT OF OR RELATING TO: (A) YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT; (B) ANY ERRORS, OMISSIONS, OR INACCURACIES IN ANY CONTENT; (C) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR ANY PERSONAL INFORMATION STORED THEREIN; OR (D) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE.

THIS LIMITATION INCLUDES, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES, EVEN IF WILLIAMS FINANCIAL GROUP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE TOTAL CUMULATIVE LIABILITY OF WILLIAMS FINANCIAL GROUP TO ANY USER FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS OR THE USE OF THE SITE EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00).

BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, WILLIAMS FINANCIAL GROUP’S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Nothing in these Terms shall be construed to limit or exclude any liability of Williams Financial Group for gross negligence, willful misconduct, intentional misrepresentation, or fraud.

Section 10 – Privacy Policy

The collection, use, storage, and protection of personal information submitted through or collected via the Site is governed by the Williams Financial Group Privacy Policy, which is incorporated into and made a part of these Terms by this reference.

By using the Site, you also agree to the terms and conditions of the Privacy Policy. In the event of any conflict between these Terms and the Privacy Policy with respect to the handling of personal information, the Privacy Policy shall control.

The Privacy Policy is available at [Privacy Policy URL]. Users are encouraged to review the Privacy Policy carefully for a full description of how personal data is collected, used, shared, and protected.

Section 11 – Regulatory Compliance

Williams Financial Group operates in full compliance with all applicable federal and state laws and regulations governing the insurance and financial services industries. This includes, without limitation, the Texas Insurance Code, the Texas Finance Code, and all applicable federal regulations, including the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations governing the privacy and security of nonpublic consumer financial information.

Insurance products and financial services described or referenced on the Site are offered only in jurisdictions where Williams Financial Group and its licensed representatives hold the appropriate and current state licensure. No product or service described on the Site is available in any jurisdiction where such offering would be unlawful.

Nothing contained on this Site shall be construed to constitute or create a binding insurance contract. All coverage terms, conditions, exclusions, and limitations are determined solely by the terms of the applicable insurance policy as issued by the underwriting insurer.

Section 12 – Governing Law and Dispute Resolution

These Terms, and any dispute or claim arising out of or relating to these Terms or the use of the Site, shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law rules or provisions.

Any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts of competent jurisdiction located in Smith County, Texas (Tyler, TX). You hereby irrevocably consent to personal jurisdiction in such courts and expressly waive any objection to the laying of venue in such courts.

Before initiating any formal legal proceeding, users agree to contact Williams Financial Group in good faith and make a reasonable, documented effort to resolve any dispute informally. Such informal resolution efforts shall be conducted for a period of not less than thirty (30) days prior to the commencement of any formal legal action, unless emergency or injunctive relief is sought.

Section 13 – Indemnification

You agree to indemnify, defend (with counsel reasonably acceptable to Williams Financial Group), and hold harmless Williams Financial Group and its officers, directors, shareholders, employees, agents, contractors, licensors, and affiliates from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to:

(a) your access to or use of the Site or any content obtained through the Site;

(b) your breach or alleged breach of any representation, warranty, covenant, or obligation set forth in these Terms;

(c) your violation of any applicable federal, state, or local law, rule, or regulation; or

(d) your actual or alleged infringement or misappropriation of any third-party intellectual property, privacy, or proprietary rights.

Williams Financial Group reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Williams Financial Group in asserting any available defenses.

Section 14 – Termination

Williams Financial Group reserves the right, in its sole and absolute discretion, to terminate, restrict, or suspend your access to all or any part of the Site at any time, with or without notice, and for any reason, including but not limited to conduct that Williams Financial Group determines, in its sole judgment, violates these Terms, is harmful to other users, is harmful to Williams Financial Group or its business reputation, or is otherwise objectionable or contrary to applicable law.

Upon any termination or suspension of your access to the Site, your right to use the Site ceases immediately. All provisions of these Terms that by their nature are intended to survive termination shall survive, including without limitation the following sections: Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law and Dispute Resolution.

Section 15 – Changes to These Terms

Williams Financial Group may revise, update, or replace these Terms at any time in its sole discretion. When changes are made, the updated Terms will be posted on this page with a revised Effective Date prominently displayed at the top of the document.

Your continued access to or use of the Site after any revised Terms are posted constitutes your agreement to, and acceptance of, the updated Terms. If you do not agree to any revised Terms, you must discontinue use of the Site.

It is your responsibility to review these Terms periodically. Williams Financial Group is not obligated to provide individual notice to users of any changes beyond updating the Effective Date and posting revised Terms to the Site.

Section 16 – Contact Information

For questions, concerns, or inquiries regarding these Terms of Service, our Privacy Policy, or any insurance or financial services matter, please contact Williams Financial Group using the information below. We are committed to responding to all inquiries in a timely and professional manner.

Company Williams Financial Group Address Tyler, Texas 75709 Phone 903-321-2717 Emai l[email protected] Website https://www.wfgfamily.com

Regulatory Complaints: For insurance-related regulatory complaints or concerns, users may also contact the Texas Department of Insurance (TDI) directly at www.tdi.texas.gov or by calling 1-800-252-3439.

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Williams Financial Group  |  Terms of Service  |  Effective Date: May 12, 2026  |  Tyler, Texas