Terms of Service

Effective Date: April 23, 2026

These Terms of Service (“Terms”) govern your access to and use of the website located at www.redmountainfinancial.net (the “Site”) and any related services, content, communications, and features (collectively, the “Services”) offered by Red Mountain Financial, a d/b/a of Talbot & Talbot, Inc. (“Red Mountain Financial,” “we,” “us,” or “our”).

By accessing or using the Site or Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated herein by reference. If you do not agree, you may not access or use the Site or Services.

1. Eligibility

The Site and Services are intended for individuals who are at least 18 years of age and residents of the United States. By using the Site, you represent and warrant that you meet these requirements and that you have the legal capacity to enter into these Terms.

2. Description of Services

Red Mountain Financial provides retirement, insurance, and financial education resources, along with related consulting and planning services. Content on the Site, including articles, videos, calculators, and downloadable materials, is provided for general informational and educational purposes only and does not constitute personalized investment, tax, legal, or fiduciary advice.

Investment advisory services are offered by registered individuals through Creative One Wealth, LLC, a Registered Investment Advisor. Creative One Wealth, LLC and Red Mountain Financial are unaffiliated entities. Insurance products and services are offered by licensed insurance professionals.

3. No Professional Advice

Nothing on the Site or in our general communications constitutes an offer, solicitation, or recommendation to buy, sell, or hold any security or insurance product, or to engage any specific investment or tax strategy. We do not provide tax or legal advice. You should always consult with qualified tax, legal, and financial professionals regarding your own unique circumstances before making any financial decision.

Any forward-looking statements, projections, calculator outputs, or illustrations are hypothetical and are not guarantees of future results. Investing involves risk, including the potential loss of principal. Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

4. SMS and Text Messaging Terms

By providing your mobile phone number and opting in through our website forms, chat widget, intake documents, or verbally during a consultation, you expressly consent to receive text (SMS) messages from Red Mountain Financial at the number you provided. Consent is not a condition of purchase.

Message Types. Messages may include: appointment confirmations and reminders, customer care and follow-up communications related to an existing inquiry, workshop and event registration information, account and service updates, and, only where separate opt-in is collected, promotional messages such as special offers and event promotions.

Message Frequency. Message frequency varies based on your interactions with us. You will not be sent recurring marketing messages without separate consent.

Fees. Message and data rates may apply. Check your mobile plan for details. Red Mountain Financial does not charge for the messages themselves.

Opt-Out. You may opt out of SMS messages at any time by replying STOP to any message. After replying STOP, you will receive a confirmation message and will not receive further SMS messages unless you opt in again.

Help. For assistance, reply HELP to any message or contact us at (205) 879-7302.

Privacy. Mobile phone numbers and SMS consent will not be shared with third parties or affiliates for marketing purposes. Promotional consent is collected separately from transactional consent, and neither is shared with third parties. For full details, see our Privacy Policy.

Carriers. Supported carriers include, but are not limited to, AT&T, Verizon Wireless, T-Mobile, and their affiliates. Carriers are not liable for delayed or undelivered messages.

5. Appointments and Consultations

We reserve the right to reschedule, decline, or end a consultation at our discretion. Attending a consultation does not create an advisory, brokerage, fiduciary, or client relationship; such relationships are established only through a separate, signed engagement or client services agreement.

6. User Conduct

When using the Site or Services, you agree not to:

•         Provide false, misleading, or fraudulent information;

•         Impersonate any person or entity, or misrepresent your affiliation with any person or entity;

•         Use the Site to transmit unsolicited advertising, spam, or malicious code;

•         Attempt to gain unauthorized access to any portion of the Site, related systems, or other users’ accounts;

•         Interfere with, disrupt, or impose an unreasonable load on the Site or its infrastructure; or

•         Use the Site or Services in violation of any applicable law, rule, or regulation.

7. Intellectual Property

All content on the Site, including text, graphics, logos, images, videos, calculators, downloadable materials, and software, is the property of Red Mountain Financial, Talbot & Talbot, Inc., or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view, download, and print materials from the Site solely for your personal, non-commercial use, provided that you retain all copyright and other proprietary notices. You may not otherwise copy, reproduce, distribute, modify, publish, transmit, or create derivative works from any Site content without our prior written permission.

8. Third-Party Links and Content

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by Red Mountain Financial. We provide these links for convenience only and do not endorse, warrant, or assume responsibility for the content, privacy practices, or business practices of any third party. Your use of third-party websites and services is subject to the terms and policies of those third parties.

9. Disclaimers

THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Information on the Site may become outdated, and we are under no obligation to update it. You are solely responsible for verifying any information before relying on it.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, RED MOUNTAIN FINANCIAL, TALBOT & TALBOT, INC., AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE EXCEED ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID US FOR THE APPLICABLE SERVICE IN THE PRECEDING TWELVE (12) MONTHS, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Red Mountain Financial, Talbot & Talbot, Inc., and their respective officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Site or Services; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of any third party.

12. Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of Alabama, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Site shall be brought exclusively in the state or federal courts located in Jefferson County, Alabama, and you consent to the personal jurisdiction of those courts.

13. Changes to These Terms

We may revise these Terms from time to time at our discretion. The most current version will be posted on the Site with an updated effective date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Severability and Entire Agreement

If any provision of these Terms is held to be unlawful, void, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect. These Terms, together with the Privacy Policy and any signed engagement agreements, constitute the entire agreement between you and Red Mountain Financial regarding the Site and Services.

15. Contact Us

If you have any questions about these Terms, please contact us:

Red Mountain Financial

PO Box 383033

Birmingham, AL 35238

Phone: (205) 879-7302

Website: www.redmountainfinancial.net