Terms and Conditions for Guardian Finance Group
Effective Date: July 13, 2026
By accessing or using the website and services of Guardian Finance Group ("we," "us," or "our"), you agree to comply with and be bound by these Terms and Conditions ("Terms"). If you do not agree with these Terms, please do not use our website or services.
1. Introduction
These Terms govern your use of the Guardian Finance Group website, hosted on Framer, including all content, tools, and services provided. By accessing our website, you accept these Terms in full. If you disagree with any part of these Terms, you must not use our website.
2. Use of Framer
Our website is built and hosted on Framer, a third-party platform. By using our website, you agree to comply with Framer’s Terms of Service and Privacy Policy.
3. User Responsibilities
You agree to use our website and services in compliance with all applicable laws and regulations, including but not limited to:
The Telephone Consumer Protection Act (TCPA) (47 U.S. Code § 227)
The Truth in Caller ID Act (47 U.S. Code § 227(e))
State-specific telemarketing laws (e.g., California’s Telemarketing Laws)
The California Consumer Privacy Act (CCPA) (Cal. Civ. Code § 1798.100 et seq.)
The General Data Protection Regulation (GDPR) (EU 2016/679), if applicable
Prohibited actions include, but are not limited to:
Using the website for any unlawful purpose or in violation of any local, state, national, or international law.
Engaging in any activity that could damage, disable, or impair our website or interfere with other users' access to the site.
Attempting to gain unauthorized access to our systems, other users' accounts, or any other restricted areas of the website.
Transmitting any material that contains viruses, Trojan horses, worms, or any other harmful or destructive content.
Using the website to send spam, chain letters, or other unsolicited communications.
Impersonating any person or entity, including, but not limited to, an employee or representative of Guardian Finance Group.
4. Disclaimers
4.1 Informational Purposes Only
This website is for informational purposes only and does not constitute financial, legal, or professional advice. The information provided on this website is not intended to replace or serve as a substitute for professional advice or service. For personalized financial or insurance advice, consult a licensed insurance professional.
4.2 No Warranties
To the fullest extent permitted by law, Guardian Finance Group provides its website and services "as is" and "as available" without any warranties, express or implied. We do not warrant that the website will be uninterrupted, secure, or error-free, or that any defects will be corrected.
4.3 Quotes and Applications
All quotes and applications provided through this website are subject to underwriting and approval by our partnered insurance carriers. Guardian Finance Group does not guarantee approval or specific terms for any insurance product. All quotes and applications are subject to the Truth in Lending Act (TILA) (15 U.S. Code § 1601 et seq.) and state-specific insurance regulations.
5. Third-Party Services
Guardian Finance Group uses third-party services to provide and improve our services. These include:
Framer: For website hosting and form processing. Framer’s terms and privacy policy are available here and here.
Proton: For secure email and cloud storage services. Proton’s terms and privacy policy are available here and here.
Cloudflare: For domain registration, DNS management, and website security. Cloudflare’s terms and privacy policy are available here and here.
You acknowledge that these third-party services have their own terms and privacy policies, and your use of their services is subject to those terms.
6. Limitation of Liability
Guardian Finance Group, its directors, employees, partners, agents, suppliers, or affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
Your use or inability to use our website or services.
Any unauthorized access to or use of our servers and/or any personal information stored therein.
Any errors or omissions in the content of our website.
Any third-party content or services linked to or referenced on our website.
In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you have paid us, if any, in the last 12 months for accessing or using our website. This limitation of liability is subject to any applicable laws that may not allow such limitations.
7. Indemnification
You agree to indemnify, defend, and hold harmless Guardian Finance Group, its directors, employees, partners, agents, suppliers, or affiliates from and against any and all claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from your use of our website or services, your violation of these Terms, or your infringement of any intellectual property or other right of any person or entity, including but not limited to violations of the TCPA (47 U.S. Code § 227) or other applicable laws.
8. Force Majeure
Guardian Finance Group shall not be liable for any failure to perform its obligations under these Terms due to causes beyond its control, including but not limited to natural disasters, acts of God, war, terrorism, labor disputes, internet outages, or government actions, as defined under the Uniform Commercial Code (UCC) (UCC § 2-615).
9. Arbitration
Any disputes arising out of or in connection with these Terms or your use of our website or services shall be resolved through binding arbitration in the State of Tennessee, in accordance with the Federal Arbitration Act (FAA) (9 U.S. Code § 1 et seq.). By using our website, you waive your right to a trial by jury and agree that any disputes shall be resolved by arbitration in accordance with the rules of the American Arbitration Association (AAA) (https://www.adr.org/).
10. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Guardian Finance Group or its content suppliers and is protected by international copyright laws under the Digital Millennium Copyright Act (DMCA) (17 U.S. Code § 512). The compilation of all content on this site is the exclusive property of Guardian Finance Group.
You may not modify, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, or use any content from this website for commercial or public purposes without our express written permission.
11. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of Tennessee, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
12. Changes to Terms
We reserve the right to update or modify these Terms at any time without prior notice. Any changes will be posted on this page with an updated effective date. We encourage you to review these Terms periodically for any updates. Your continued use of the website following the posting of changes will constitute your acceptance of such changes.
13. Contact Us
If you have any questions or concerns about these Terms and Conditions, please contact us at contact@guardianfinancegroup.com.
Note: These Terms and Conditions are designed to comply with general best practices and applicable laws. For legal compliance specific to your jurisdiction, consult with a legal professional to ensure all requirements are met.