Terms and Conditions

1. Acceptance of these terms

These Terms and Conditions (“Terms”) are a legal agreement between you and Visionary Finance Plan (“Visionary Finance Plan,” “we,” “us,” or “our”). By accessing this website, submitting a form, or using any of our services, you agree to these Terms. If you do not agree, please do not use the site or our services.

Where a separate written service agreement or disclosure applies to a specific engagement, that document controls to the extent of any conflict with these Terms.

2. About our services

Visionary Finance Plan is a financial services firm based in Bay City, Michigan. We provide personal, credit, and mortgage loan assistance; wealth and investment planning; tax advisory; and insurance services. Availability of particular products depends on eligibility, underwriting, licensing, and applicable law, and products may vary by state.

Nothing on this website constitutes an offer to lend, an offer to sell securities, or a commitment to provide any product or service. All lending, investment, tax, and insurance engagements are subject to separate applications, agreements, and disclosures.

3. Not individualized advice

Articles, guides, calculators, and other content on this website are provided for general educational purposes only. They do not take into account your personal circumstances, objectives, or financial situation and should not be relied upon as individualized financial, investment, tax, legal, or insurance advice.

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Tax laws change and their application depends on your facts. You should consult a qualified professional — and, where appropriate, your own attorney or accountant — before making decisions.

4. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the services offered through this site. By submitting a form, you represent that the information you provide is accurate, current, and complete, and that you are authorized to share it.

5. Applications, partners, and third parties

Loan, investment, tax, and insurance products may be provided by us or through affiliated or unaffiliated third parties, including lenders, broker-dealers, registered investment advisers, insurance carriers, and tax preparers. Applications may require additional documentation, identity verification, and authorization to obtain credit or other reports.

Approval, pricing, and terms are determined by the applicable provider and its underwriting or suitability standards. We do not guarantee that any application will be approved or that any particular rate, return, or outcome will be achieved.

6. Fees and disclosures

Fees for our services are disclosed in the applicable agreement or disclosure document before you engage us. Lending products may involve lender fees, closing costs, and interest as shown in required disclosures such as the Loan Estimate and Closing Disclosure. Investment and planning relationships may involve flat, hourly, or asset-based fees as described in the relevant agreement or Form ADV brochure.

Third-party providers may charge their own fees. Always review all disclosures carefully and ask us to explain anything that is unclear.

7. Intellectual property

This website and its content — including text, graphics, logos, images, page layouts, and software — are owned by or licensed to Visionary Finance Plan and are protected by copyright, trademark, and other intellectual property laws. You may view, download, and print content for personal, non-commercial use, provided you keep all proprietary notices intact.

You may not reproduce, distribute, modify, publicly display, or create derivative works from our content without prior written permission, except as permitted by law. The Visionary Finance Plan name and logo may not be used without our written consent.

8. Acceptable use

You agree not to:

• Submit false, misleading, or unauthorized information;
• Use the site for unlawful, fraudulent, or abusive purposes;
• Attempt to gain unauthorized access to systems, data, or accounts;
• Interfere with the operation or security of the website;
• Scrape, harvest, or collect information about others without consent; or
• Impersonate any person or entity, or misrepresent your affiliation.

We may restrict or suspend access to the site or services if we believe these Terms have been violated.

9. Third-party links and content

The site may link to third-party websites, tools, or resources for convenience. We do not control and are not responsible for their content, privacy practices, or availability. Links do not imply endorsement. Your use of third-party services is at your own risk and subject to their terms.

10. Disclaimers

This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and availability. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any information on it is complete or current.

Any reliance on website content is at your own risk. Rates, product features, and program details described on the site may change without notice.

11. Limitation of liability

To the maximum extent permitted by applicable law, Visionary Finance Plan and its officers, employees, agents, and affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of revenue, profits, savings, data, or goodwill, arising out of or related to your use of this website or these Terms, even if advised of the possibility of such damages.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability arising from fraud or intentional misconduct.

12. Indemnification

You agree to indemnify and hold harmless Visionary Finance Plan and its officers, employees, agents, and affiliates from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your violation of these Terms, your misuse of the site, or your violation of any law or third-party right.

13. Governing law and disputes

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles. Subject to applicable law, any dispute arising from these Terms or your use of the site will be resolved in the state or federal courts located in Bay County, Michigan, and you consent to their jurisdiction.

If any provision of these Terms is found unenforceable, that provision will be limited to the minimum extent necessary and the remaining provisions will remain in effect.

14. Changes to these terms

We may revise these Terms from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the site after changes are posted constitutes acceptance of the revised Terms.

15. Contact us

Questions about these Terms? Contact us at:

Visionary Finance Plan
4558 Mocasa Ct, Bay City, MI 48706, USA
Phone: +1 989-684-5390
Email: contact@visionaryfinanceplan.com