By accessing or using the Turner Financial web application ("App"), you agree to be bound by these Terms of Service ("Terms").
1. Service Description
Turner Financial provides:
- Financial Assessment Tools: Evaluate your financial health across multiple categories
- Personalized Recommendations: Product and service recommendations based on your profile
- Agent Matching: Connection with licensed financial professionals
- Educational Resources: Financial literacy content and planning tools
- Agent Assignment: Connection with appropriate financial professionals based on your needs
2. User Responsibilities
You agree to:
- Provide accurate, current, and complete information
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized access
- Use the service for lawful purposes only
- Update your information when it changes
3. Information Collection & Use
Personal Information We Collect:
- Contact information (name, email, phone, address)
- Financial information (income, debts, assets, financial goals)
- Assessment responses and financial health scores
- Usage data and app interactions
How We Use Your Information:
- Financial Assessment: Analyze your financial situation and calculate your financial health score
- Service Matching: Match you with appropriate financial products, services, and professionals
- Agent Assignment: Assign licensed agents based on your needs and profile
- Product Recommendations: Recommend insurance, investment, debt management, and other financial products
- Communication: Send personalized recommendations, educational content, and service updates
- Service Improvement: Analyze aggregate data to improve our platform
- Compliance: Meet legal and regulatory requirements
4. Information Sharing
We may share your information with:
Financial Service Providers:
- Insurance companies
- Investment firms
- Lending institutions
- Credit counseling services
- Debt management companies
Licensed Agents & Advisors:
- Assigned agents who contact you to offer services
- Financial advisors who can provide professional guidance
Service Providers:
- CRM platforms (e.g., Go High Level)
- Data analytics services
- Cloud hosting providers
- Communication platforms
Legal Requirements:
- Law enforcement when required
- Regulatory authorities
- Court orders and legal processes
Business Transfers:
- In connection with mergers, acquisitions, or sale of assets
5. Marketing & Communications
By using our service, you consent to receive:
- Personalized financial product recommendations
- Educational content and financial tips
- Contact from assigned licensed agents
- Service updates and announcements
- Marketing communications from our partners
You may opt out of marketing emails at any time, but we may still send service-related communications.
6. Data Security
We implement reasonable security measures to protect your information, including:
- Encryption of sensitive data
- Secure server infrastructure
- Access controls and authentication
- Regular security assessments
However, no system is completely secure, and we cannot guarantee absolute security.
7. Your Rights
You have the right to:
- Access: Request a copy of your personal information
- Correction: Update or correct inaccurate information
- Deletion: Request deletion of your account and data
- Portability: Receive your data in a portable format
- Opt-Out: Decline marketing communications
- Restriction: Limit how we use your information
To exercise these rights, contact us at info@turneramericains.com
8. Third-Party Services
Our App may link to third-party services. We are not responsible for their privacy practices or terms. Review their policies before providing information.
9. Disclaimers
- Not Financial Advice: Our assessments and recommendations are educational tools, not professional financial advice
- No Guarantees: We don't guarantee specific outcomes, savings, or financial results
- Third-Party Actions: We're not responsible for actions of agents or service providers you connect with through our platform
- As-Is Service: The App is provided "as is" without warranties of any kind
10. Limitation of Liability
To the maximum extent permitted by law, Turner Financial shall not be liable for:
- Indirect, incidental, or consequential damages
- Loss of profits, data, or business opportunities
- Actions of third-party service providers or agents
- Financial decisions made based on our recommendations
11. Children's Privacy
Our service is not intended for users under 18. We do not knowingly collect information from children.
12. State-Specific Rights
Georgia Residents: You have rights under applicable Georgia and federal privacy laws to access, correct, and request deletion of your personal information.
California Residents (CCPA/CPRA):
- Right to know what information we collect
- Right to delete personal information
- Right to opt out of sale of personal information
- Right to non-discrimination
Other States: Additional rights may apply based on your state's privacy laws.
13. Changes to Terms
We may update these Terms at any time. Material changes will be communicated via:
- In-app notification
- Email to your registered address
- Notice on our website
Continued use after changes constitutes acceptance.
14. Governing Law
These Terms are governed by the laws of the State of Georgia, without regard to conflict of law provisions.
15. Contact Information