These Terms & Conditions (“Terms”) govern your use of the Financial Planning Navigator web application at fpn.navigationama.com (the “Service”), operated by SCRAD Management, LLC on behalf of Navigation Financial Group. By using the Service you agree to these Terms.

1. The Service

The Financial Planning Navigator is a self-assessment tool that lets you answer 16 financial planning categories, view your results, generate a PDF summary, request a meeting with Navigation Financial Group, and optionally refer friends. The Service is informational and does not itself constitute financial, tax, legal, or investment advice.

2. Accounts

You are responsible for the accuracy of information you submit and for safeguarding access to your account. Authentication is handled by a third-party provider (Clerk).

3. SMS Messaging Program

Program name: Financial Planning Navigator SMS.

Program description: Text messages from Navigation Financial Group, including (1) confirmation when you submit your financial planning assessment, (2) confirmation when your advisor confirms a meeting request you initiated, and (3) periodic informational announcements from your advisor (no more than 12 per calendar year).

How to opt in: Provide your mobile number and toggle the SMS consent switch during onboarding at fpn.navigationama.com, or reply START to a message from the program.

Message frequency: Varies; typically no more than 12 messages per year per user.

Message & data rates: Message and data rates may apply. Check with your mobile carrier for details.

How to get help: Reply HELP to any message, or email scott@navigationama.com.

How to opt out: Reply STOP to any message at any time. You will receive a confirmation message and will not receive further messages from the program.

Carriers: Supported carriers are not liable for delayed or undelivered messages.

No mobile information is shared with third parties or affiliates for marketing or promotional purposes.

4. Acceptable Use

You agree not to misuse the Service, interfere with its operation, attempt to access data that is not yours, or use the Service in violation of any law.

5. Not Financial Advice

The Service provides educational and organizational tools only. It is not a substitute for personalized advice from a licensed financial, tax, or legal professional. Any meeting request submitted through the Service is a scheduling inquiry and does not create an advisory relationship until separately agreed to in writing.

6. Intellectual Property

The Service, including its design, text, graphics, and code, is the property of SCRAD Management, LLC or its licensors and is protected by copyright and other laws. You may not copy or redistribute it without permission.

7. Termination

You may stop using the Service at any time. We may suspend or terminate accounts that violate these Terms or where required by law.

8. Disclaimers & Limitation of Liability

The Service is provided “as is” without warranties of any kind. To the fullest extent permitted by law, SCRAD Management, LLC and Navigation Financial Group are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

9. Changes

We may update these Terms from time to time. Continued use after changes constitutes acceptance.

10. Contact

SCRAD Management, LLC — scott@navigationama.com.