Terms of Use
Effective Date: 8/12/2025
Terms of Use
These Terms of Use (“Terms”) govern your use of the website www.hemfinancial.com (the “Site”), operated by HEM Financial Group LLC (“we,” “our,” or “us”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1. Purpose of the Site
The Site provides general information about financial wellness, insurance solutions, business consulting, and related services. The content is for informational purposes only and is not intended as legal, tax, or investment advice.
2. No Professional Advice
We are not a law firm and do not provide legal advice. We do not provide financial advice or investment recommendations. You should consult qualified professionals before making any financial, legal, or investment decisions.
3. Use of the Site
You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not:
- Attempt to disrupt or compromise the security of the Site.
- Use automated systems (bots, scrapers) without our permission.
- Submit false or misleading information through any form on the Site.
4. Submitting Information
When you submit information (such as your name, email, or phone number) through forms on the Site, you agree to provide accurate details. By submitting information, you consent to be contacted by us through email, phone, or other methods you authorize. See our Privacy Policy for details on how we handle your data.
5. External Links
The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of these external sites. Visiting third-party websites is at your own risk.
6. Intellectual Property
All content on the Site—including text, graphics, logos, images, and software—is the property of HEM Financial Group LLC or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or use any content without our prior written consent.
7. Disclaimers and Limitation of Liability
The Site and its content are provided “as is” without warranties of any kind. We are not liable for any damages resulting from your use of the Site, inability to access the Site, or reliance on its content.
8. Changes to Terms
We may update these Terms from time to time. The updated version will be posted on the Site with a new “Effective Date.”
9. Governing Law
These Terms are governed by the laws of the State of Connecticut, without regard to its conflict of law principles.
Insurance products and services are offered exclusively through Hesy Landesbaum, a licensed independent insurance broker authorized to operate in NY, NJ, CT, PA, TX, NC, MI, and UT. Insurance offerings are only available to residents of these states and are subject to applicable state regulations.
Other consulting services may be available nationwide or internationally, subject to applicable laws.
10. Contact Information
If you have any questions about these Terms, contact us at:
info@hemfinancial.com.