Eligibility
You must be at least 18 years old to use this site. By using it, you confirm that you meet that requirement and that any information you provide is accurate and your own.
Our content is informational, not advice
Everything on this site — articles, guides, workshop materials, downloads, and the VFO Diagnostic — is provided for general educational purposes only.
Nothing on this site is investment advice, tax advice, legal advice, accounting advice, or an offer to sell insurance in any state where we are not licensed. Nothing here guarantees any particular financial, tax, or business result.
Your situation is specific, and general content cannot account for it. Please consult a qualified professional before acting on anything you read here.
No client relationship is created by using this site
Visiting our site, downloading a resource, completing the VFO Diagnostic, or booking a strategy call does not create an advisory, fiduciary, or client relationship with Engarde Financial Group.
A client relationship begins only when both parties sign a written agreement that sets out the scope of services and responsibilities.
About the VFO Diagnostic
The VFO Diagnostic is a preliminary discovery tool. Its results are general, are based entirely on the information you provide, and are not a financial plan, tax strategy, legal opinion, or insurance recommendation. No specific outcome or savings amount is promised or implied.
Our Virtual Family Office network
Engarde coordinates a network of independent specialists across tax planning, wealth management, risk mitigation, business advisory, and legal and estate services.
These specialists are independent professionals and firms, not employees of Engarde. Each is responsible for their own licensing, professional standards, and work product. Our role is to coordinate and advocate on your behalf, not to supervise or guarantee their services. You may enter into separate agreements directly with any specialist, and those agreements govern that relationship.
Engarde is not liable for the acts, omissions, or advice of any independent specialist.
Licensing
Insurance and financial services are offered only in states where Engarde Financial Group and its representatives are properly licensed. Not all products or services are available in all states. Nothing on this site is an offer to do business where we are not authorized. License information is available upon request.
Media mentions
References to features or appearances on ABC, NBC, CBS, FOX, or other outlets reflect media coverage. They are not endorsements or recommendations by those outlets or their affiliates and do not imply any approval of our services.
Testimonials and results
Any client comments or case examples on this site reflect individual experiences under specific circumstances. They are not a guarantee of future results, and your experience may differ. Past performance does not predict future results.
Electronic communications
By providing your email address or phone number, you consent to receive communications from us electronically, and you agree that electronic communications satisfy any legal requirement that a communication be in writing.
If you opt in to text messages, message frequency varies and message and data rates may apply. Reply STOP to unsubscribe or HELP for help. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle mobile data.
Intellectual property
All content on this site — copy, branding, graphics, logos, the VFO Diagnostic, and downloadable materials — is owned by or licensed to Engarde Financial Group. You may view, download, and print materials for your own personal, non-commercial use. You may not republish, distribute, modify, sell, or create derivative works from our content without our written permission.
Acceptable use
You agree not to use this site for any unlawful purpose, submit false or misleading information, impersonate anyone, attempt unauthorized access to our systems, introduce malware or scrapers, or use our content or client information for competitive solicitation. We may suspend or terminate access at any time.
Information you submit
You are responsible for the accuracy of what you submit, and our guidance depends on it. By submitting information, you give us permission to use it to respond to you, prepare analyses, and coordinate with specialists. Please do not send sensitive financial or health information through unsecured forms, email, or text.
Third-party links
Our site may link to other websites, scheduling platforms, and carrier portals. We do not control them and are not responsible for their content or practices. Accessing them is at your own risk.
Disclaimer of warranties
The site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or secure, or that content is current, complete, or accurate. Tax laws, insurance products, and regulations change, and content may become outdated.
Limitation of liability
To the fullest extent permitted by law, Engarde Financial Group and its owners, employees, and representatives are not liable for any indirect, incidental, special, or consequential damages — including lost profits, lost business opportunity, or tax liability — arising from your use of this site or reliance on its content.
Some states do not allow certain limitations, so parts of this section may not apply to you.
Indemnification
You agree to hold harmless Engarde Financial Group and its representatives from any claims, damages, losses, and expenses, including reasonable attorneys' fees, arising from your use of the site, your violation of these terms, or your violation of any law or third-party right.
Governing law
These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in Allegheny County, Pennsylvania, and you consent to that jurisdiction.
General
If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. These terms and our Privacy Policy make up the entire agreement about your use of this site and do not replace any separate written services agreement between us. Sections on intellectual property, disclaimers, limitation of liability, indemnification, and governing law survive termination.
Changes to these terms
We may update these terms at any time. Changes take effect when posted. Continued use of the site after changes are posted means you accept them.
Contact us
If you have questions about these terms, reach us directly:
Engarde Financial Group
- 200 James Place, Monroeville, PA 15146
- [email protected]
- (412) 533-2373
You may also want to read our Privacy Policy, which explains what we collect and the choices you have.
