By accessing or using the website or services of Frontier Financial Advisors, Inc. ("Company," "we," "our," or "us"), you confirm that you are at least 18 years of age, have read and understood these Terms & Conditions, and agree to be legally bound by them.

These Terms apply to all visitors, clients, and others who access or use our services. We reserve the right to update or modify these Terms at any time. Continued use of our services after changes are posted constitutes acceptance of the revised Terms.

Frontier Financial Advisors, Inc. provides individual business consulting services that are advisory and educational in nature. Our services include personal financial assessment, budgeting and cash flow consulting, credit and lending advisory, business formation guidance, and financial goal-setting coaching.

Clients are strongly encouraged to consult with licensed professionals for investment, legal, and tax matters. Our consulting services are designed to complement, not replace, those professional relationships.

To ensure the best possible outcomes, clients agree to:

• Provide complete, accurate, and truthful financial and personal information
• Attend all scheduled sessions or provide at least 24 hours' notice to reschedule
• Implement agreed-upon action steps between sessions
• Communicate openly and honestly about financial circumstances and goals
• Acknowledge that results are not guaranteed and depend largely on the client's own actions and commitment
• Not use our services for any unlawful purpose or in violation of any applicable regulations

• Initial Assessment ($199) — Due in full prior to the first session
• Monthly Packages — First month due upon signing; subsequent months due on the same calendar day each month
• Late Fees — A $25 late fee applies to any payment not received within 5 business days of the due date
• Accepted Methods — ACH bank transfer, major credit/debit cards, Zelle, or other mutually agreed methods

The Company provides services on an "as is" basis. We make no guarantees regarding specific financial outcomes, credit score improvements, debt reduction timelines, income increases, business formation success, or any other results.

Financial improvement depends on the client's personal commitment, consistency, market conditions, creditor decisions, and other factors beyond the Company's control. Past results of other clients do not guarantee future outcomes.

The Company agrees to keep all client financial and personal information strictly confidential and will not disclose it to any third party without the client's written consent, except as required by law.

Clients acknowledge that any proprietary tools, templates, worksheets, reports, and methodologies shared by the Company are confidential and may not be reproduced, shared, or distributed without prior written permission.

A separate Non-Disclosure Agreement (NDA) may also be executed between the parties. In the event of any conflict between these Terms and the NDA, the terms most protective of confidentiality shall govern.

All consulting materials, templates, worksheets, reports, frameworks, and methodologies provided by the Company remain the exclusive intellectual property of Frontier Financial Advisors, Inc.

Clients are granted a limited, non-transferable, personal license to use such materials solely for their own personal financial improvement. Clients may not reproduce, sell, sublicense, or distribute Company materials without prior written permission.

Unauthorized use of Company intellectual property may result in immediate termination of services and legal action.

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of income, loss of profits, loss of business, or financial losses arising from reliance on our consulting services.

This limitation applies regardless of the form of action, whether in contract, tort, negligence, or otherwise, even if the Company has been advised of the possibility of such damages.

• Either party may terminate services with fourteen (14) days' written notice
• Clients may pause a monthly package once per engagement period with 7 days' notice, for up to 30 days
• The Company reserves the right to terminate immediately if a client engages in abusive, fraudulent, or illegal conduct
• Upon termination, any outstanding fees for services rendered are immediately due and payable
• The Company will provide a pro-rated refund for any prepaid sessions not yet conducted, less the $50 administrative fee

Frontier Financial Advisors, Inc. operates as an independent contractor in all client engagements. Nothing in these Terms or any service agreement shall be construed to create an employer-employee, partnership, joint venture, agency, or fiduciary relationship between the Company and any client.

The Company is solely responsible for its own taxes, insurance, and business obligations. Clients are not authorized to act on behalf of or bind the Company in any way.

By providing your phone number to Frontier Financial Advisors, Inc. and checking the applicable consent boxes, you agree to receive text messages including:

• Transactional Messages — Appointment reminders, session confirmations, document requests, and service updates
• Marketing Messages — Promotional offers, new services, workshop invitations, and financial tips (if opted in)

When using our website, you agree not to:

• Use the website for any unlawful purpose or in violation of any applicable laws or regulations
• Transmit any harmful, offensive, fraudulent, or misleading content
• Attempt to gain unauthorized access to any part of our website or systems
• Scrape, copy, or reproduce any content from our website without written permission
• Impersonate the Company or any employee, contractor, or representative
• Interfere with the operation or security of our website

Violation of these terms may result in immediate termination of access and/or legal action.

These Terms & Conditions shall be governed by and construed in accordance with the laws of the State of Kentucky, without regard to its conflict of law principles.

Any dispute arising out of or relating to these Terms or our services shall first be subject to good-faith negotiation between the parties for a period of thirty (30) days. If unresolved, disputes shall be submitted to binding arbitration in Louisville, Kentucky, under the rules of the American Arbitration Association.

The prevailing party in any arbitration or legal proceeding shall be entitled to recover reasonable attorney's fees and costs.

If any provision of these Terms & Conditions is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

These Terms, together with any executed Client Service Agreement and Non-Disclosure Agreement, constitute the entire agreement between the Company and the client with respect to the subject matter hereof, and supersede all prior discussions, representations, and understandings.

No waiver of any provision shall be effective unless in writing. Failure to enforce any provision shall not constitute a continuing waiver of that or any other provision.