Effective Date: January 1, 2026 | Last Updated: April 1, 2026

Welcome to the Blue Monarch Financial website ("Site"). By accessing or using this Site, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Blue Monarch Financial.

2. Description of Services

Blue Monarch Financial provides financial planning, wealth management, investment advisory, risk analysis, and related financial services. The information on this Site is provided for general informational purposes only and does not constitute financial, investment, legal, or tax advice. You should consult with a qualified professional before making any financial decisions.

3. Eligibility

You must be at least 18 years of age to use this Site or engage our services. By using the Site, you represent and warrant that you meet this eligibility requirement.

4. User Conduct

When using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Submit false, misleading, or inaccurate information through any forms on the Site
• Attempt to gain unauthorized access to any portion of the Site or its systems
• Interfere with or disrupt the Site's operation, servers, or networks
• Collect or harvest any information from the Site without authorization

5. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Blue Monarch Financial or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

6. SMS Terms & Conditions

Blue Monarch Financial may offer an SMS and text messaging program to communicate with clients and prospective clients about our financial products and services.

Enrollment and Consent

By providing your mobile phone number and checking the SMS consent checkbox on our contact form, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Blue Monarch Financial, sent using an automated telephone dialing system (ATDS). Your consent is voluntary, and you understand what you are agreeing to when you opt in.

Message Frequency and Charges

Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply based on your mobile carrier and service plan. Blue Monarch Financial is not responsible for any fees charged by your carrier.

Opting Out

You may opt out of the SMS program at any time by replying STOP to any message received from Blue Monarch Financial. Upon opting out, you will receive a single confirmation message and no further SMS messages will be sent unless you re-subscribe.

Help and Customer Support

For help or questions regarding the SMS program, reply HELP to any message or contact us at michael@blue-monarch-financial.com.

No Condition of Purchase

Consent is NOT a condition of purchase. You are not required to consent to receiving SMS messages in order to use our services, obtain information, or make any purchase.

Supported Carriers

Our SMS program is supported by most major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

7. Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Blue Monarch Financial does not warrant that the Site will be uninterrupted, error-free, or free of harmful components. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Blue Monarch Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services, regardless of the theory of liability. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid to us in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless Blue Monarch Financial, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, violation of these Terms, or infringement of any rights of a third party.

10. Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by Blue Monarch Financial. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You access third-party sites at your own risk.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Texas.

12. Changes to Terms

Blue Monarch Financial reserves the right to modify these Terms at any time. Changes will be effective upon posting to this page with an updated "Last Updated" date. Your continued use of the Site after any modifications constitutes acceptance of the revised Terms.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14. Contact Us

If you have questions about these Terms and Conditions, please contact us:

Blue Monarch Financial
County Rd 3424
Wills Point, TX 75703
Email: michael@blue-monarch-financial.com