Terms of Service

1. Acceptance of Terms

By accessing and using the services provided by Worth Shield Financial Services ("Company," "we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement.

2. Description of Services

Worth Shield Financial Services provides financial advisory services including but not limited to:

• Tax advisory and planning services
• Retirement planning
• Insurance solutions
• Estate planning
• Financial consultation and education

3. Professional Relationship

Our services are provided for informational and educational purposes. The establishment of a formal advisor-client relationship requires a separate written agreement. Until such agreement is executed, no fiduciary relationship exists between you and Worth Shield Financial Services.

4. No Investment Advice

Unless specifically agreed upon in writing, our services do not constitute investment advice or recommendations to buy or sell securities. We are not a registered investment advisor unless specifically disclosed in our client agreements.

5. Tax Services

Tax advice and services are provided by Prashanth Srikanthan, EA (Enrolled Agent). Tax advice is based on current tax laws and regulations, which are subject to change. We recommend consulting with qualified professionals for specific tax situations.

6. Client Responsibilities

Clients are responsible for:

• Providing accurate and complete information
• Timely payment of fees as agreed
• Implementing recommendations at their own discretion
• Seeking independent verification of advice when appropriate
• Maintaining confidentiality of sensitive information

7. Fees and Payment

Fees for services will be clearly disclosed and agreed upon before services are rendered. Payment terms will be specified in individual service agreements. Late payments may result in suspension of services.

8. Confidentiality

We maintain strict confidentiality of all client information in accordance with professional standards and applicable laws. Client information will not be disclosed to third parties without explicit consent, except as required by law.

9. Limitation of Liability

To the fullest extent permitted by law, Worth Shield Financial Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or relating to our services.

10. Intellectual Property

All content, materials, and intellectual property provided by Worth Shield Financial Services remain our exclusive property. Clients may not reproduce, distribute, or create derivative works without written permission.

11. Termination

Either party may terminate the service relationship at any time with written notice. Upon termination, all obligations cease except for payment of fees for services already rendered and confidentiality obligations.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of law provisions.

13. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of modified terms.

14. Contact Information

For questions regarding these Terms of Service, please contact us at: