Terms of Use

Welcome to the website of Praesidium Financial LLC (“Praesidium Financial,” “we,” “us,” or “our”).

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.

Educational and Informational Purposes

The information presented on this website is provided for general educational and informational purposes.

Nothing on this website should be interpreted as individualized investment, financial, tax, accounting, insurance, or legal advice.

Financial circumstances, goals, risk tolerance, tax considerations, benefits, pensions, insurance needs, and investment needs vary from person to person.

You should not make financial or investment decisions based solely on general information presented on this website.

No Advisory Relationship Created by Website Use

Visiting this website, downloading a resource, subscribing to communications, submitting a contact form, or communicating with Praesidium Financial through the website does not, by itself, create an investment advisory or client relationship.

Any advisory relationship is subject to applicable agreements, disclosures, eligibility requirements, and other onboarding procedures.

No Guarantee of Results

Financial planning and investing involve uncertainty and risk.

Past performance does not guarantee future results. No statement on this website should be interpreted as a guarantee or promise regarding investment performance, financial outcomes, retirement results, or the achievement of any particular financial objective.

Investment Risk

Investing involves risk, including the potential loss of principal.

References to investments, financial strategies, retirement accounts, pensions, insurance, or other financial concepts are provided for educational purposes unless expressly stated otherwise.

Tax and Legal Information

Praesidium Financial does not provide legal advice through this website.

Any discussion of tax matters is general in nature and should not be considered individualized tax advice. Visitors should consult qualified tax and legal professionals regarding their individual circumstances.

First Responder and Employer Benefits

Information concerning pensions, 457(b) plans, employer benefits, public-sector retirement systems, overtime, disability benefits, survivor benefits, or similar programs is general educational information.

Plan provisions and benefits may vary by employer, jurisdiction, bargaining agreement, retirement system, individual elections, and other circumstances.

Visitors should review applicable plan documents and information from their employer, plan administrator, retirement system, or other appropriate source before making decisions.

Third-Party Websites and Resources

This website may contain links to websites, services, platforms, or resources operated by third parties.

These links may be provided for convenience or educational purposes. Praesidium Financial does not control and is not responsible for the content, availability, security, accuracy, or privacy practices of third-party websites.

A link to a third-party resource does not necessarily constitute an endorsement.

Intellectual Property

Unless otherwise indicated, the text, graphics, branding, educational materials, downloads, website design, and other original content appearing on this website are owned by or licensed to Praesidium Financial LLC and are protected by applicable intellectual property laws.

Content may be viewed and used for personal, non-commercial purposes.

You may not reproduce, distribute, modify, sell, republish, or commercially exploit website content without prior written permission except as permitted by applicable law.

Acceptable Use

You agree not to use this website in a manner that:

• Violates applicable law
• Attempts to gain unauthorized access to the website or related systems
• Interferes with the operation or security of the website
• Introduces malicious code or harmful technology
• Misrepresents your identity or affiliation
• Infringes the rights of Praesidium Financial or another party

Website Availability and Accuracy

We seek to provide useful and accurate information, but financial rules, tax laws, retirement provisions, regulatory requirements, market information, and other information can change.

We do not warrant that all website content will always be complete, current, error-free, or suitable for every visitor's circumstances.

We may modify, remove, or update website content without notice.

Limitation of Liability

To the extent permitted by applicable law, Praesidium Financial and its affiliated or related parties will not be liable for losses or damages arising solely from reliance on general information contained on this website or from the use or inability to use this website.

Nothing in these Terms is intended to limit liability that cannot legally be limited or excluded.

Privacy

Use of this website is also subject to our Privacy Policy, which should be read together with these Terms of Use.

Changes to These Terms

We may revise these Terms of Use from time to time. Updated Terms will be posted on this page with a revised date.

Continued use of the website after changes are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.

Contact

Questions concerning these Terms of Use may be directed to: