Terms and Conditions

Terms and Conditions for SP Private Bank E and T
Last Updated: [Insert Date]

Welcome to SP Private Bank E and T. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully before using our platform.

By using our website (https://[yourdomain].com) or engaging with our consulting services, you agree to be legally bound by these Terms and our Privacy Policy. If you do not agree with any part, please do not use our services.

SP Private Bank E and T offers educational and consulting services focused on:

• Trust creation and structuring
   
• Asset protection strategies
   
• Wealth and estate planning
   

All information provided is for educational purposes only and does not constitute legal, tax, or investment advice.

You are responsible for:

• Providing accurate information during consultations.
   
• Making informed decisions based on your own circumstances.
   
• Consulting with licensed professionals (attorneys, CPAs, financial advisors) before acting on our advice.
   

Although we provide guidance on financial topics, we are not a law firm, CPA, or licensed financial advisor. Our services do not replace professional legal, tax, or investment counsel.

We respect your privacy and take reasonable measures to protect your information. However, any information shared through online forms, emails, or calls is not protected under attorney-client privilege.

• All consulting services are billed according to the terms agreed upon before the session.
   
• Payments are due in full prior to your consultation unless otherwise agreed in writing.
   
• Refunds are non-refundable.
   

All content on this website (text, videos, documents, etc.) is owned by SP Private Bank E and T and may not be copied, distributed, or reused without our express written consent.

You agree not to use our website or services to:

• Violate any laws or regulations
   
• Infringe on intellectual property
   
• Distribute false or misleading information
   
• Engage in fraudulent or harmful behavior
   

SP Private Bank E and T will not be liable for any indirect, incidental, or consequential damages resulting from:

• Your use of or inability to use our services
   
• Errors or omissions in our educational materials
   
• Decisions you make based on our guidance
   

We reserve the right to modify these Terms at any time. Changes will be posted on this page and are effective immediately upon posting.

These Terms are governed by the laws of the [Your State/Country]. Any disputes will be handled in the courts of [Your Jurisdiction].

If you have any questions about these Terms, please contact us at:
📧 info@spprivatebankeandt.com
🌐 spprivatebankeandt.com