Effective Date: August 9, 2026
These Terms & Conditions (“Terms”) govern your use of ksfinancialconsulting.com (the “Website”), operated by K&S Financial Consulting (“K&S,” “we,” “us,” or “our”).
By accessing or using the Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.
1. Website Purpose
The Website provides general information about K&S Financial Consulting and the consulting services we offer, which may include business development, introductions and distribution support, sales coaching and team development, market access, platform placement support, and related financial-services consulting.
Information presented on the Website is provided for general informational and business-development purposes only.
2. No Investment, Legal, Tax, or Accounting Advice
K&S provides business and financial-services industry consulting. Unless expressly agreed otherwise in writing, information on this Website does not constitute:
- Investment advice
- Financial planning advice
- A recommendation to purchase, sell, or hold any security or financial product
- Legal advice
- Tax advice
- Accounting advice
- A securities offering or solicitation
Nothing on the Website creates an investment advisory, broker-dealer, fiduciary, attorney-client, accountant-client, or similar professional relationship.
You should consult appropriately licensed professionals regarding investment, legal, tax, accounting, compliance, or regulatory matters applicable to your specific circumstances.
3. No Guarantee of Results
K&S works with clients to identify opportunities, develop relationships, improve sales processes, support market access, and facilitate appropriate introductions.
However, business development and financial-services distribution depend on many factors outside K&S’s control.
K&S does not guarantee:
- A particular introduction
- Acceptance by any individual or organization
- Platform placement
- Institutional selection
- Completion of a transaction
- Sales or revenue results
- Investment performance
- Regulatory approval
- Any specific business outcome
Past experience, existing relationships, testimonials, examples, or statements regarding prior results should not be interpreted as guarantees of future results.
4. No Consulting Relationship Created by Website Use
Viewing the Website, submitting a contact form, emailing K&S, scheduling an introductory call, or otherwise contacting us does not by itself create a consulting or professional-services relationship.
Any consulting engagement with K&S may be subject to a separate written agreement defining the scope of services, fees, responsibilities, confidentiality obligations, payment terms, and other conditions applicable to that engagement.
If a separate written agreement conflicts with these Website Terms regarding services provided under that agreement, the separate agreement will control.
5. Information You Submit
You agree that information you submit through the Website will be accurate and that you have the right to provide it.
Do not submit confidential, proprietary, personally sensitive, or regulated information through general Website forms unless specifically requested by K&S through an appropriate communication channel.
Submitting information through the Website does not create a confidentiality obligation beyond any obligations imposed by applicable law or a separate written agreement.
Our handling of personal information submitted through the Website is described in our Privacy Policy.
6. Intellectual Property
Unless otherwise stated, the Website and its contents—including text, graphics, branding, logos, layouts, photographs, design elements, and other materials—are owned by or licensed to K&S Financial Consulting and are protected by applicable intellectual-property laws.
You may view and use Website materials for your own legitimate informational or business purposes.
You may not, without prior written permission:
- Reproduce substantial portions of the Website
- Republish Website content as your own
- Modify or create derivative commercial works from Website materials
- Sell, license, or commercially distribute Website content
- Remove copyright, trademark, or ownership notices
- Use K&S branding in a way that implies an unauthorized affiliation or endorsement
7. Testimonials and Third-Party References
The Website may include testimonials, company names, logos, professional titles, business relationships, or other references to third parties.
Testimonials reflect the experiences or opinions of the individuals providing them and do not guarantee that another client will achieve the same or similar results.
References to companies, platforms, institutions, organizations, or other third parties do not necessarily imply sponsorship, endorsement, affiliation, or approval unless expressly stated.
All third-party trademarks remain the property of their respective owners.
8. Third-Party Links and Services
The Website may contain links to or integrations with third-party websites, scheduling services, platforms, applications, or other resources.
These third-party services are provided for convenience and are not controlled by K&S.
K&S is not responsible for the availability, accuracy, content, privacy practices, security, products, services, or actions of third-party websites or providers.
Your use of a third-party service is subject to that provider’s own terms and policies.
9. Acceptable Use
You may not use the Website:
- For any unlawful or fraudulent purpose
- To interfere with the operation or security of the Website
- To attempt unauthorized access to Website systems or accounts
- To introduce malicious code, viruses, or harmful technologies
- To scrape, harvest, or systematically collect Website data without authorization
- To impersonate another person or organization
- To transmit spam or abusive communications
- In a manner that infringes the rights of K&S or any third party
We reserve the right to restrict or block access to the Website when we reasonably believe it is being misused.
10. Website Accuracy and Availability
We make reasonable efforts to keep Website information accurate and current. However, industries, regulations, business relationships, services, availability, market conditions, and other information may change.
We do not warrant that Website content will always be complete, accurate, current, or error-free.
We may modify, remove, suspend, or discontinue any portion of the Website at any time without notice.
11. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.
K&S makes no warranties, express or implied, regarding the Website, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, or reliability.
We do not warrant that the Website will operate uninterrupted or be free from errors, viruses, or other harmful components.
12. Limitation of Liability
To the fullest extent permitted by applicable law, K&S Financial Consulting and its owners, employees, contractors, representatives, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to your use of—or inability to use—the Website.
This includes, without limitation, losses relating to profits, revenue, business opportunities, data, goodwill, or business interruption.
To the extent liability cannot legally be excluded, K&S’s liability relating solely to your use of the Website will be limited to the maximum extent permitted by applicable law.
Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.
13. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless K&S Financial Consulting and its owners, employees, representatives, contractors, and affiliates from claims, liabilities, losses, damages, and reasonable expenses arising from your unlawful misuse of the Website or your material violation of these Terms.
14. Governing Law
These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles.
Any dispute arising solely from the use of this Website will be subject to the jurisdiction of the appropriate courts located in Colorado, unless applicable law requires otherwise or a separate written agreement provides different dispute-resolution terms.
15. Changes to These Terms
We may revise these Terms periodically.
Updated Terms will be posted on this page and the “Effective Date” above may be revised accordingly.
Your continued use of the Website after updated Terms are posted constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found unenforceable or invalid, the remaining provisions will continue in effect to the fullest extent permitted by law.
17. Contact
Questions regarding these Terms may be directed to:
K&S Financial Consulting
Denver, Colorado
Email: sprew@ksfinancialconsulting.com
Website: ksfinancialconsulting.com