Terms and Conditions

Terms & Conditions (OptimizeYourFinances.com)

Last Updated: February 6, 2026

1) Acceptance of These Terms

By accessing or using optimizeyourfinances.com (the ā€œSiteā€), you agree to be bound by these Terms & Conditions (ā€œTermsā€). If you do not agree, do not use the Site.

The Site is owned and operated by RMJ Marketing LLC (ā€œRMJ Marketing,ā€ ā€œwe,ā€ ā€œus,ā€ or ā€œourā€).

2) Informational Purposes Only ā€” No Professional Advice

Content on this Site is provided for general informational and educational purposes only and may not reflect the most current developments.

Nothing on this Site constitutes legal, tax, accounting, investment, or other professional advice, and you should not act on the information without seeking advice from qualified professionals who can evaluate your specific situation.

3) Eligibility

You agree that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms.

4) User Submissions

If you submit information through forms, scheduling tools, comments, uploads, or other features on the Site (ā€œSubmissionsā€), you agree:

  • your Submissions are accurate to the best of your knowledge,

  • you will not submit unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable content,

  • you will not upload malware or attempt to disrupt the Site.

You grant RMJ Marketing a non-exclusive right to use your Submissions as needed to respond to you, provide requested services, and operate the Site.

5) Communications, Scheduling, and Consent

By submitting your contact information, you authorize us to contact you via email and phone to respond to your inquiry, confirm appointments, and provide requested information.

If you opt in to receive text messages, see the SMS/Text Messaging Terms below.

6) SMS/Text Messaging Terms (Service & Appointment Messages)

If you opt in to receive text messages from RMJ Marketing LLC, you agree to the following:

  • Message Types: Appointment reminders, appointment confirmations, updates, and service notifications related to your interaction with us.

  • Message Frequency: Message frequency varies.

  • Message & Data Rates: Message and data rates may apply.

  • Opt-Out: Reply STOP at any time to cancel text messages. You may receive a final confirmation message after opting out.

  • Help: Reply HELP for help.

  • Consent: Your consent to receive text messages is not required to use the Site. If a specific service requires texting, we will provide an alternative contact method.

  • Carriers: Wireless carriers are not liable for delayed or undelivered messages.

  • Privacy: Your SMS opt-in data and consent information will not be shared with third parties for marketing/promotional purposes.

7) Intellectual Property

All content on the Site, including text, graphics, logos, images, and layout, is owned by RMJ Marketing LLC or its licensors and is protected by applicable intellectual property laws.

You may view and print pages for your personal, non-commercial use only. You may not reproduce, distribute, modify, publish, create derivative works, publicly display, or exploit Site content without our prior written permission.

8) Prohibited Uses

You agree not to:

  • violate any applicable law or regulation,

  • attempt to gain unauthorized access to the Site, servers, or systems,

  • scrape, crawl, or use automated means to access the Site in a manner that degrades performance,

  • upload malware, harmful code, or interfere with Site security,

  • impersonate any person or entity or misrepresent affiliation,

  • use the Site to harass, abuse, defame, or infringe the rights of others.

9) Third-Party Links

The Site may contain links to third-party websites or services. We do not control and are not responsible for third-party content, terms, or privacy practices. Your use of third-party sites is at your own risk.

10) Disclaimer of Warranties

The Site and its content are provided on an ā€œas isā€ and ā€œas availableā€ basis without warranties of any kind, express or implied, including (without limitation) warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any defects will be corrected.

11) Limitation of Liability

To the fullest extent permitted by law, RMJ Marketing LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of (or inability to use) the Site.

In no event will RMJ Marketing LLCā€™s total liability for any claim related to the Site exceed $100, unless applicable law requires a different amount.

12) Indemnification

You agree to defend, indemnify, and hold harmless RMJ Marketing LLC and its owners, officers, employees, contractors, and agents from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneysā€™ fees) arising out of or related to:

  • your use of the Site,

  • your violation of these Terms, or

  • your violation of any rights of another.

13) Changes to These Terms

We may update these Terms from time to time. Any changes are effective when posted on this page with an updated ā€œLast Updatedā€ date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.

14) Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

15) Contact Us

RMJ Marketing LLC
Email: [email protected]
Phone: 615-915-4460
Address: 1802 Williamson Ct., Suite 101, Brentwood, TN 37027