1. Terms

By accessing or using this website, services, or communications offered by WE EMPOWER FINANCIAL LLC (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree to these terms, you are prohibited from using or accessing this site. The materials contained on our website are protected by applicable copyright and trademark law.

2. Eligibility (18+)

You must be at least 18 years old to use this website and/or to enroll in or receive SMS/text messages from WE EMPOWER FINANCIAL LLC. By using the site or opting into SMS, you represent that you are 18+.

3. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on WE EMPOWER FINANCIAL LLC’s website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

- modify or copy the materials;

- use the materials for any commercial purpose, or for any public display (commercial or non-commercial

- attempt to decompile or reverse engineer any software contained on WE EMPOWER FINANCIAL LLC’s website;

- remove any copyright or other proprietary notations from the materials; or

- transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by WE EMPOWER FINANCIAL LLC at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed form.

4. SMS/Text Messaging Terms (A2P Compliance)

4.1 SMS Program Description & Use Cases

If you opt in to receive SMS/text messages from WE EMPOWER FINANCIAL LLC, you consent to receive text messages to the mobile number you provided. We may use your consent to send you text messages including, but not limited to the following types of messages:

Appointment confirmations and reminders

Scheduling and rescheduling communications

Service updates and technician arrival notifications

Customer support responses and account-related notices

Billing and payment notifications (where applicable)

Promotional or marketing messages (only if you separately opt in where required)

Message frequency may vary based on your interactions with us and the services you request.

4.2 Opt-In Consent

By providing your mobile number and opting in (e.g., via a web form, checkbox, keyword, or other explicit consent mechanism), you authorize WE EMPOWER FINANCIAL LLC to send SMS/text messages using an automatic telephone dialing system and/or prerecorded messages where permitted by law. Consent is not a condition of purchase.

4.3 Opt-Out Instructions

You can opt out of SMS messages at any time by replying STOP to any message.

After you reply STOP, you may receive one additional message confirming your opt-out. To re-enroll, follow the original opt-in process.

4.4 Customer Support Contact

For help, reply:

HELP to any message

or contact us at:

Phone: (619) 490-5240

Email: ld@ldfinances.com

(If you don’t have these variables, replace with your published support number/email.)

4.5 Message & Data Rates Disclosure

Message and data rates may apply depending on your mobile carrier plan. Charges are billed and payable to your mobile carrier.

4.6 Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

4.7 Supported Carriers & Delivery

SMS delivery is subject to effective transmission from your wireless service provider/network operator and is not guaranteed. Factors outside our control (carrier/network availability, device compatibility, phone settings, etc.) may impact message delivery.

4.8 Privacy & Data Use

We respect your privacy. Our collection and use of personal information—including phone numbers used for SMS—is governed by our Privacy Policy: https://ldfinances.com/privacy-policy.

5. Disclaimer

The materials on WE EMPOWER FINANCIAL LLC’s website are provided “as is.” WE EMPOWER FINANCIAL LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, WE EMPOWER FINANCIAL LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its internet website or otherwise relating to such materials or on any sites linked to this site.

6. Limitations

In no event shall WE EMPOWER FINANCIAL LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on WE EMPOWER FINANCIAL LLC’s internet site, even if WE EMPOWER FINANCIAL LLC or a WE EMPOWER FINANCIAL LLC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

7. Revisions and Errata

The materials appearing on WE EMPOWER FINANCIAL LLC’s website could include technical, typographical, or photographic errors. WE EMPOWER FINANCIAL LLC does not warrant that any of the materials on its website are accurate, complete, or current. WE EMPOWER FINANCIAL LLC may make changes to the materials contained on its website at any time without notice. WE EMPOWER FINANCIAL LLC does not, however, make any commitment to update the materials.

8. Links

WE EMPOWER FINANCIAL LLC has not reviewed all of the sites linked to its internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by WE EMPOWER FINANCIAL LLC of the site. Use of any such linked website is at the user’s own risk.

9. Site Terms of Use Modifications

WE EMPOWER FINANCIAL LLC may revise these Terms of Service for its website at any time without notice. By using this website you are agreeing to be bound by the then-current version of these Terms and Conditions of Use.

10. Governing Law

Any claim relating to WE EMPOWER FINANCIAL LLC’s website shall be governed by the laws of the United States of America without regard to its conflict of law provisions.

11. Contact

If you have any questions about these Terms, contact:

WE EMPOWER FINANCIAL LLC

Phone: (619) 490-5240

Email: ld@ldfinances.com