Terms of Service
Effective Date: January 1, 2026
1. Acceptance of Terms
By accessing and using this website operated by KJF Financial LLC, doing business as KJF Finance, you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not access or use our website. These terms apply to all visitors, users, and others who access the website or any services provided herein. Your continued use of the site following the posting of changes to these terms constitutes acceptance of those changes.
2. Company Information
KJF Financial LLC is a limited liability company organized under the laws of the State of Utah, operating under the trade name KJF Finance. Our principal place of business is located at 1953 N 50 W, Layton, UT 84041-5879. KJF Finance provides financial planning, investment advisory, tax strategy, and related financial services within the United States, primarily serving clients in Utah and surrounding states.
3. Services Description
The information provided on this website is for general informational purposes only and does not constitute professional financial advice, investment advice, tax advice, legal advice, or any other form of professional consulting service. The content of this website should not be relied upon as a substitute for consultation with qualified financial professionals. KJF Finance offers services including but not limited to financial planning, investment management, retirement planning, tax strategy, risk management, and business advisory services, each subject to separate written agreements.
4. No Professional Relationship
Your use of this website does not create a client-advisor relationship between you and KJF Finance. A formal client relationship is established only through the execution of a written engagement or advisory agreement. Information provided on our website, including any tools, calculators, or general guidance, should not be interpreted as personalized recommendations or advice tailored to your specific financial situation.
5. Investment Disclosures
All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment performance, returns, or projections on this website are illustrative in nature and do not guarantee future outcomes. KJF Finance strongly recommends that you consult with a qualified financial professional before making investment decisions. The information on this website is not intended as an offer or solicitation for any investment product or service.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, documents, software, and the arrangement thereof, is the property of KJF Financial LLC and is protected by United States copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any materials from this website without prior written consent from KJF Finance, except as permitted by applicable law for personal, non-commercial reference purposes.
7. User Conduct
When using this website, you agree to use it only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict or inhibit their use of the site. You agree not to use the website in any way that could damage, disable, or impair the website or interfere with any other party use of the site. You agree not to attempt unauthorized access to any portion of the website, other accounts, computer systems, or networks connected to the website.
8. Limitation of Liability
KJF Financial LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website or reliance on any information provided herein. This limitation applies regardless of the legal theory upon which the claim is based, including breach of contract, negligence, strict liability, or any other basis, even if KJF Finance has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion of certain liabilities, so some limitations may not apply to you.
9. Indemnification
You agree to indemnify, defend, and hold harmless KJF Financial LLC, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of this website, your violation of these Terms of Service, or your violation of any third-party rights.
10. Third-Party Links
This website may contain links to third-party websites or services that are not owned or controlled by KJF Finance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that KJF Finance shall not be responsible for any damage or loss caused by or in connection with the use of any third-party content, goods, or services available through such websites or services.
Governing Law and Jurisdiction
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Utah, United States of America, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these terms or your use of this website shall be brought exclusively in the state or federal courts located in Davis County, Utah. You hereby consent to the personal jurisdiction and venue of such courts. To the extent permitted by law, you waive any objection to the laying of venue in such courts, including any objection based on inconvenient forum.
11. Modifications to Terms
KJF Finance reserves the right to modify these Terms of Service at any time and without prior notice. Changes are effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the modified terms. It is your responsibility to review these terms periodically for updates. We recommend bookmarking this page and checking for changes before each visit.
12. Severability
If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the remaining provisions, which shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent of the parties.
13. Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and KJF Financial LLC regarding your use of this website and supersede any prior agreements, communications, or understandings between you and KJF Finance concerning the subject matter hereof.
14. Contact
For questions regarding these Terms of Service, please contact KJF Financial LLC at 1953 N 50 W, Layton, UT 84041-5879. You may also reach us via email at talk@kjffinance.lol or by phone at +15857140847.
BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE, PLEASE DISCONTINUE USE OF THIS WEBSITE IMMEDIATELY.