Terms of Use

Last Updated: 10/15/25

1. Acceptance of Terms

Welcome to hardingfinancial.net (“Site”), operated by Harding Financial & Insurance (“we,” “us,” “our”). By accessing or using this Site, you agree to comply with and be bound by these Terms of Use and our Privacy Policy. If you do not agree with these terms, please do not use this Site.

2. Purpose of This Website

The information presented on this Site is for general informational purposes only and should not be construed as an offer to sell or a solicitation of an offer to buy any security or insurance product. Nothing on this Site constitutes personalized financial, investment, legal, or tax advice.

All financial products, services, and advice referenced on this Site are offered through properly licensed individuals and entities, in states where they are authorized to do business.

3. No Guarantee or Warranty

While we strive to provide accurate and up-to-date information, we make no representations or warranties as to the accuracy, completeness, or timeliness of any content on this Site. All information is provided “as is,” without warranty of any kind, express or implied, including but not limited to fitness for a particular purpose, merchantability, or non-infringement.

4. Professional & Licensing Disclosures

Representatives of Harding Financial & Insurance are licensed to conduct business in specific states only, and the information on this Site is not intended for use by persons located in jurisdictions where such distribution would be contrary to local law or regulation.

5. Intellectual Property Rights

All content on this Site, including but not limited to text, images, graphics, logos, videos, icons, and layout, is the property of Harding Financial & Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print materials from this Site for personal, non-commercial use only. Any reproduction, modification, distribution, transmission, republication, display, or performance of the content without our prior written consent is strictly prohibited.

6. User Conduct

When using this Site, you agree not to:

• Violate any applicable law or regulation;
• Attempt to gain unauthorized access to the Site or its servers;
• Transmit any harmful or malicious code, including viruses or malware;
• Use the Site for fraudulent or unlawful purposes;
• Interfere with or disrupt the functionality or security of the Site.

7. Third-Party Links

This Site may contain links to third-party websites or resources. These links are provided for your convenience and do not signify our endorsement of such sites. We are not responsible for the content, accuracy, or practices of third-party websites and disclaim all liability arising from your use of them.

8. Limitation of Liability

To the fullest extent permitted by law, Harding Financial & Insurance, its affiliates, officers, directors, employees, or agents shall not be liable for any damages arising out of or in connection with your use or inability to use this Site or any content provided herein, including without limitation direct, indirect, incidental, special, punitive, or consequential damages.

This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to defend, indemnify, and hold harmless Harding Financial & Insurance and its affiliates, employees, and representatives from and against all claims, damages, liabilities, losses, or expenses (including reasonable attorneys’ fees) arising from your use of this Site or violation of these Terms of Use.

10. Privacy

Your use of this Site is also governed by our Privacy Policy. Please review it carefully to understand how we collect, use, and protect your information.

11. No Offer or Advice

Nothing on this Site should be interpreted as a recommendation to purchase, sell, or hold any security or insurance product, or to pursue a particular investment or financial strategy. Always consult directly with a qualified financial professional before making financial or investment decisions.

12. Forward-Looking Statements

Some materials on this Site may contain “forward-looking statements” that involve risks and uncertainties. Actual results and performance may differ materially. We assume no obligation to update any forward-looking statements.

13. Governing Law & Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles. Any dispute arising from your use of this Site shall be brought exclusively in the state or federal courts located in Massachusetts.

14. Changes to These Terms

We may revise or update these Terms of Use from time to time without notice. The updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

15. Contact Information

If you have any questions or concerns regarding these Terms of Use, please contact us:Harding Financial & Insurance
60 Mall Rd, Suite 102
Burlington, MA 01803
Phone:(781) 933-3025
Fax: (781) 935-2187

16. Entire Agreement

These Terms of Use constitute the entire agreement between you and Harding Financial & Insurance regarding your use of this Site and supersede any prior agreements or understandings, whether oral or written.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.