Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website operated by Harvard Sumida Financial Advisory ("Company," "we," "us," or "our"), located at HarvardSumida.com. By accessing or using our website, you agree to be bound by these Terms.

1. Services

The purpose of this website is to provide general information about Harvard Sumida, CFP Certified Financial Planner's services, including retirement income planning and tax preparation. The website does not constitute an offer to provide financial advisory services. Such offers are made only through a formal engagement agreement between the Client and the Company.

2. No Financial Advice

The content provided on this website is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Any reliance you place on such information is strictly at your own risk. You should consult with a qualified financial advisor before making any financial decisions.

3. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Harvard Sumida Financial Advisory and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

4. User Conduct

When using our website, you agree not to:

• Use the website for any unlawful purpose or to transmit material that violates any applicable law or regulation.
• Attempt to gain unauthorized access to any portion of the website or any other systems or networks.
• Use any robot, spider, or other automatic device to access the website for any purpose.
• Interfere with or disrupt the integrity or performance of the website.

5. Privacy

Your privacy is important to us. Please review our Privacy Policy for information regarding how we collect, use, and disclose personal information when you visit our website.

6. Third-Party Links

Our website may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or terms of use of these third-party sites. Accessing third-party websites is at your own risk.

7. Disclaimers

The information provided on this website is on an "as is" and "as available" basis. Harvard Sumida Financial Advisory makes no warranties, expressed or implied, and hereby disclaims all warranties, including without limitation, warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the website will be uninterrupted, secure, or error-free.

8. Limitation of Liability

In no event shall Harvard Sumida Financial Advisory, its officers, directors, employees, agents, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of or reliance on this website or its contents.

9. Indemnification

You agree to indemnify, defend, and hold harmless Harvard Sumida Financial Advisory and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your violation of these Terms or use of the website.

10. Modifications

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated effective date. Your continued use of the website after such modifications constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Hawaii, without regard to its conflict of law provisions.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Harvard M. Sumida, CFP®
PO Box 1599
Kaneohe, HI 96744
Email: harvard@harvardsumida.com
Phone: (808) 532-0645
Fax: (808) 913-3716