Terms & Conditions

Terms of Service

Effective Date: February 26, 2026
Last Updated: February 26, 2026

Welcome to Kirby Insurance LLC, DBA Kirby Financial Planning. These Terms of Service govern your use of our website, kirbyfinancialplanning.com.

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use this Website.

1. For Informational Purposes Only – No Financial Advice

The content provided on this Website is for informational and educational purposes only. Nothing on this Website constitutes:

• Financial, investment, tax, or legal advice
• A recommendation to buy or sell any securities
• An offer or solicitation to engage in financial advisory services

Any financial planning or investment advisory services are provided only pursuant to a written agreement between you and Kirby Financial Planning.

You should consult a qualified professional regarding your individual situation before making financial decisions.

2. No Client Relationship

Your use of this Website does not create:

• A client relationship
• A fiduciary relationship
• Any advisory or professional relationship

A client relationship is established only after:

• You sign a written agreement with us; and
• We formally accept you as a client.

Communications sent through the Website, including contact forms or email, do not establish a client relationship.

3. Eligibility

By using this Website, you represent that:

• You are at least 18 years old
• You have the legal capacity to agree to these Terms
• You are using the Website for lawful purposes

4. User Conduct

You agree not to:

• Use the Website for unlawful purposes
• Attempt to gain unauthorized access to the Website or its systems
• Transmit malicious code, viruses, or harmful content
• Interfere with Website functionality
• Copy, scrape, or reproduce Website content without permission

We reserve the right to restrict or terminate access for violations of these Terms.

5. Intellectual Property

All content on this Website, including but not limited to:

• Text
• Graphics
• Logos
• Branding
• Downloads
• Layout and design

is the property of Kirby Financial Planning or its licensors and is protected by intellectual property laws.

You may not copy, reproduce, distribute, or modify any content without prior written consent.

6. Third-Party Links

Your use of third-party websites is at your own risk.

7. Disclaimer of Warranties

This Website is provided “as is” and “as available.”

We make no warranties, express or implied, including but not limited to:

• Accuracy of information
• Completeness of content
• Reliability of results
• Availability of the Website

We do not guarantee that the Website will be error-free, secure, or uninterrupted.

8. Limitation of Liability

To the fullest extent permitted by law, Kirby Financial Planning shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits or revenue
• Loss of data
• Decisions made based on Website content

Your use of the Website is at your sole risk.

9. Privacy

Your use of the Website is also governed by our Privacy Policy.
Please review our Privacy Policy for information on how we collect and use data.

10. Indemnification

You agree to indemnify and hold harmless Kirby Financial Planning and its owners, employees, and affiliates from any claims, damages, liabilities, or expenses arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of any law or third-party rights

11. Compliance with Regulations

If Kirby Financial Planning is a registered investment adviser (RIA), services are offered only in jurisdictions where properly registered or exempt from registration.

Nothing on this Website should be interpreted as a solicitation for services in any jurisdiction where we are not properly authorized to operate.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date.

Your continued use of the Website constitutes acceptance of any changes.

13. Governing Law

These Terms shall be governed by the laws of the State of Georgia, without regard to conflict of law principles.

Any disputes arising from these Terms shall be resolved exclusively in the state or federal courts located in Georgia.

14. Contact Information

If you have questions about these Terms, please contact:

Kirby Financial Planning

Phone: 229-225-7969

Email: info@kirbyfinancialplanning.com

You can cancel the SMS service at any time. Just text "STOP" to the 229-225-7969. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at info@kirbyfinancialplanning.com

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy: https://www.kirbyfinancialplanning.com/privacy-policy