1. General Information

The information provided on this website is intended solely for informational and educational purposes. Tom Durand Fiduciary Services is an independent financial advisory firm. The content presented here is not intended as investment, legal, tax, or accounting advice and should not be construed as a solicitation or offer to buy or sell any security or financial instrument. All opinions and information are subject to change without notice.

2. No Guarantee of Results

All investment strategies have the potential for profit or loss. Past performance does not guarantee future results. Market conditions, interest rates, and other factors may affect portfolio performance. While Tom Durand Fiduciary Services strives to provide accurate and timely information, we do not warrant that the information on this website is complete, reliable, or up to date.

3. Fiduciary Duty

Tom Durand Fiduciary Services operates under a fiduciary standard, placing the interests of our clients first. However, this fiduciary duty applies only within the context of a formal advisory agreement. Accessing or viewing information on this website does not, by itself, create an advisor-client relationship. Formal engagement is established only when both parties have executed an advisory agreement.

4. Investment Risks

Investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Clients should carefully consider their investment goals, risk tolerance, and financial situation before making any investment decisions. Diversification and asset allocation do not guarantee a profit or protect against loss in declining markets.

5. Registration and Regulatory Status

Tom Durand Fiduciary Services and its advisors are registered in accordance with applicable state or federal securities regulations. Registration does not imply a certain level of skill or training. For specific information about the firm’s registration or regulatory standing, please contact us directly or visit the appropriate securities regulatory authority in your jurisdiction.

6. No Offer or Solicitation

The materials and information on this website are not intended as an offer or solicitation for the purchase or sale of any financial product or security. Services referenced herein are available only in jurisdictions where Tom Durand Fiduciary Services and its representatives are appropriately licensed or exempt from licensing.

7. Third-Party Content and External Links

This website may contain links to third-party websites or resources for informational purposes. Tom Durand Fiduciary Services does not endorse, monitor, or control the content or accuracy of these external sites. We are not responsible for any loss or damage that may arise from your use of them. You should review the privacy policies and terms of use of any linked websites before engaging with them.

8. Tax and Legal Advice Disclaimer

Tom Durand Fiduciary Services does not provide legal or tax advice. Clients are encouraged to consult with their own qualified legal and tax professionals before implementing any financial or investment decisions that may have legal or tax implications.

9. Accuracy of Information

While Tom Durand Fiduciary Services strives to maintain accurate and up-to-date information, errors or omissions may occur. We make no representation or warranty as to the completeness or accuracy of the information provided. All content is presented “as is,” without any express or implied warranties.

10. Client Responsibility

Clients are responsible for reviewing all account statements, disclosures, and investment recommendations provided by Tom Durand Fiduciary Services. It is your responsibility to notify us promptly of any material changes in your financial situation, objectives, or risk tolerance so that your financial plan and portfolio can be updated accordingly.

11. Conflicts of Interest

Tom Durand Fiduciary Services aims to provide objective advice free from conflicts of interest. However, certain advisors may be independently licensed for insurance or securities sales. In such cases, commissions may be received in connection with the sale of those products. Any potential conflicts will be disclosed to clients in writing prior to the execution of any transaction.

12. Use of Communication Channels

Electronic communications, including email and website forms, are not always secure. Please avoid sending confidential or sensitive information through unencrypted methods. Tom Durand Fiduciary Services is not responsible for unauthorized access to communications transmitted electronically.

13. Limitation of Liability

To the maximum extent permitted by law, Tom Durand Fiduciary Services, its affiliates, directors, employees, or representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information contained herein.

14. Updates to This Disclosure

Tom Durand Fiduciary Services may update this Legal Disclosure periodically to reflect changes in regulation, firm policy, or industry standards. The most current version will always be available on this page, and the “Effective Date” above will indicate when it was last updated.

15. Contact Information

If you have any questions regarding this Legal Disclosure or any of our compliance policies, please contact us at:

• Email: info@yourdomain.com
• Phone: +1 (000) 000-0000
• Address: Tom Durand Fiduciary Services – [Insert Company Address Here]

Last Updated: January 03, 2026