Terms & Conditions

1. Introduction and Acceptance of Terms Welcome to BlackCase (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern all use of our websites, services, applications, scheduling systems, Zoom consultations, educational materials, promotional text message alerts, email communications, newsletters, webinars, social media accounts (including but not limited to Instagram, Facebook, LinkedIn, YouTube, and any other online platform where BlackCase publishes content), and any other digital or in-person properties operated by or on behalf of BlackCase. By accessing this website, reading our content, subscribing to any of our communication channels, following us on social media, or attending our one-on-one or group sessions, you agree that you have read, understood, and accepted these Terms in full. These Terms are intended to be broad, detailed, and exhaustive, leaving no ambiguity about the scope of your rights and responsibilities, as well as the rights and limitations of BlackCase. If you do not agree to these Terms, you must discontinue use immediately. Continued use constitutes explicit acceptance of all disclaimers, disclosures, legal notices, and acknowledgments contained herein.

2. Purpose of the Website and Scope of Services 2.1 Educational Nature of Content The BlackCase website and its associated platforms exist primarily to provide financial education, brand awareness, financial literacy resources, and related materials. Unless explicitly stated otherwise in a private contractual agreement, all content is general information only and not intended as individualized financial advice, tax planning, investment strategy, legal counsel, or insurance solicitation. 2.2 No Personalized Advice Without Formal Engagement All services provided publicly — including articles, blogs, infographics, graphics, videos, email newsletters, and text messages — are not personalized recommendations. BlackCase will not provide individualized advice until a user has formally engaged in a private, one-on-one consultation (e.g., a scheduled Zoom session). This safeguard ensures compliance with regulatory requirements and protects both parties from misunderstandings. 2.3 No Guarantee of Results While BlackCase seeks to provide high-quality educational content and reliable information, no guarantee of financial results, investment performance, insurance dividends, portfolio growth, or wealth accumulation is ever implied or stated. All users acknowledge that the outcome of financial decisions depends on numerous factors, including market conditions, personal risk tolerance, tax status, and the claims-paying ability of third-party institutions.

3. Regulatory Disclosures and Compliance 3.1 FINRA Communications with the Public In compliance with FINRA Rule 2210, BlackCase affirms that: All communications are designed to be fair, balanced, and not misleading. Testimonials, if published, represent the opinions of individual clients and are not necessarily indicative of typical results. Hypothetical illustrations or case studies are for demonstration only and must not be misconstrued as promises of future returns. We do not make projections or guarantees about investment performance. Any statistical claims will include appropriate sourcing and context. 3.2 SEC Compliance BlackCase does not solicit or transact securities through its website or social media platforms. Any mention of securities, investments, or financial products is made for educational purposes only. Transactions involving securities may only occur through properly licensed individuals associated with registered broker-dealers in accordance with SEC rules and applicable state law. 3.3 Insurance Regulations When insurance is discussed, it is understood that: All guarantees are subject to the claims-paying ability of the issuing carrier. Dividends are not guaranteed and are declared at the discretion of the insurer’s board of directors. Policy features vary by state and contract type, and users should review the product prospectus or policy document for details. 3.4 General Compliance with Federal and State Law BlackCase adheres to federal consumer protection statutes, FTC advertising standards, FCC communication laws, and the relevant insurance regulations of each state where services are provided.

4. Educational-Use Only Disclaimers 4.1 Informational Purposes Only All content created and distributed by BlackCase, whether via digital media or in print, is intended for educational and informational purposes only. Users must not construe any content as professional financial, tax, legal, or investment advice tailored to their situation. 4.2 Solicitation Point Solicitation of financial products, insurance, or investments occurs only during direct one-on-one sessions, typically via Zoom or another private channel. BlackCase’s website, Facebook, Instagram, and newsletters are not solicitation channels. 4.3 Past Performance Does Not Predict Future Results Any historical references — such as past dividend payouts, long-term insurance company track records, or stock market performance — are strictly educational. Users must acknowledge that past performance is not indicative of future results.

5. Social Media Disclaimers 5.1 Platforms Not Affiliated with Regulators Instagram, Facebook, LinkedIn, TikTok, YouTube, and other social media platforms where BlackCase may operate are not affiliated with or endorsed by FINRA, the SEC, the IRS, or any governmental body. These platforms are communication tools only, and all content is provided with the same educational-use only intent described above. 5.2 No Client Relationship Established by Engagement Following, liking, sharing, or commenting on BlackCase content does not create a client relationship. Users must formally engage through scheduled consultations for such a relationship to exist. 5.3 Responsibility for Third-Party Content BlackCase is not responsible for comments, replies, or external posts made by third parties on any social media page. These may not reflect BlackCase’s views or values, and users should not interpret them as official communication.

6. SMS / Text Message Subscription Disclaimers 6.1 Consent to Receive Text Messages By providing your phone number to BlackCase through our website, landing pages, scheduling system, or any affiliated channel, you consent to receive recurring SMS and MMS text messages from BlackCase. These may include: Educational updates Compliance notices Appointment reminders General brand updates Promotional or marketing materials Industry regulatory news and alerts Your consent to receive messages is not a condition of purchase. 6.2 Message Frequency Message frequency varies based on user activity, regulatory updates, and marketing campaigns. Some users may receive multiple messages per week, while others may receive fewer depending on preferences and engagement level. 6.3 Opting Out of SMS Messages You may opt out at any time by replying “STOP” to any text message received. Once opted out, you will no longer receive marketing or educational SMS, but you may still receive legally required compliance notices or appointment confirmations where permitted by law. 6.4 Message and Data Rates Standard message and data rates may apply. BlackCase is not responsible for charges imposed by your mobile carrier. 6.5 No Liability for Delays or Failures BlackCase shall not be held liable for delayed, failed, or misdirected text messages caused by: Carrier network congestion User device incompatibility Human error in number entry Technical disruptions beyond our control Users assume responsibility for ensuring that their mobile devices are functional and capable of receiving communications.

7. Email Subscription and Communication Disclaimers 7.1 Consent to Receive Email By providing your email address to BlackCase, you consent to receiving recurring email communications, which may include: Educational newsletters Compliance updates Industry-related news Invitations to webinars or consultations Promotional offers Service announcements 7.2 Unsubscribing from Email Every BlackCase email contains an unsubscribe link. By clicking this link, you will be automatically removed from future marketing or educational email campaigns. Regulatory or compliance notices may still be required by law and therefore cannot always be unsubscribed from. 7.3 Accuracy of Email Content BlackCase strives to ensure accuracy in email communications. However, occasional errors, omissions, or outdated information may occur. Users should confirm any critical details with an official BlackCase representative before making financial decisions. 7.4 Email Deliverability BlackCase is not liable for delayed or undelivered emails due to spam filters, full inboxes, inaccurate addresses, or server disruptions.

8. Privacy Policy and Data Collection 8.1 Personal Information Collected BlackCase may collect personal information including but not limited to: Full name Email address Mobile phone number Mailing address Browser activity, cookies, and analytics data Payment information (if applicable for paid services) Professional or demographic information voluntarily provided 8.2 Use of Information Collected information may be used to: Deliver educational content Maintain regulatory compliance records Communicate updates, offers, and invitations Track engagement with our materials Improve user experience on our website and digital platforms 8.3 Third-Party Sharing BlackCase does not sell or rent personal information. Data may be shared with: Third-party service providers (e.g., email platforms, SMS vendors) Regulatory agencies (e.g., FINRA, SEC, state insurance departments) when legally required Law enforcement or legal authorities in the event of a subpoena or investigation 8.4 Cookies and Tracking BlackCase uses cookies and tracking pixels to analyze user behavior, track conversions, and deliver targeted advertisements. Users may disable cookies in their browser settings, though doing so may affect website functionality. 8.5 Data Retention Personal information is retained for as long as necessary to fulfill educational, legal, and compliance obligations. Upon request, and where legally permissible, data may be deleted. 8.6 Data Security BlackCase implements commercially reasonable safeguards to protect collected data. However, no security system is infallible. Users acknowledge that risks of data breaches, cyberattacks, and unauthorized access exist. 8.7 Children’s Privacy BlackCase does not knowingly collect or solicit information from individuals under the age of 18. If such data is discovered, it will be deleted immediately.

9. Acknowledgment of Communication Risks 9.1 Electronic Communication Risks Users acknowledge that communications via SMS, email, and social media carry inherent risks, including potential interception, unauthorized access, and technical failure. 9.2 Indemnification By subscribing to BlackCase’s communication services, users agree to indemnify and hold harmless BlackCase, its representatives, and its affiliates against any damages arising from unauthorized access, technical delays, or breaches beyond our reasonable control.

10. Governing Law and Jurisdiction 10.1 Applicable Law These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law provisions. To the extent federal law applies, all disputes and obligations shall be subject to United States federal statutes governing financial services, digital communications, intellectual property, and consumer protection. 10.2 Jurisdiction and Venue Any disputes, claims, or legal actions arising out of or relating to these Terms, the website, or services provided by BlackCase shall be brought exclusively in the state or federal courts located in Texas. By using BlackCase services, users consent to personal jurisdiction in these courts. 10.3 Waiver of Jury Trial To the fullest extent permitted by law, users waive the right to a jury trial for disputes arising from or related to the use of BlackCase’s services or content. 10.4 Class Action Waiver Users agree that any claim must be brought in an individual capacity, not as a plaintiff or class member in any class, collective, or representative proceeding.

11. Dispute Resolution 11.1 Initial Resolution Attempt Before initiating legal proceedings, users agree to first attempt to resolve disputes informally by contacting BlackCase in writing. BlackCase shall have 30 days to attempt to resolve the matter informally. 11.2 Binding Arbitration If a dispute cannot be resolved informally, it shall be resolved through binding arbitration conducted under the rules of the American Arbitration Association (AAA). Arbitration will be held in Texas unless otherwise required by law. 11.3 Arbitration Limits Arbitrators may award individual relief only. Arbitrators may not consolidate claims without consent of all parties. Arbitration proceedings and results shall remain confidential, except where disclosure is required by law. 11.4 Costs of Arbitration Each party is responsible for their own legal fees unless otherwise determined by the arbitrator in accordance with applicable law.

12. Intellectual Property Rights 12.1 Ownership of Content All content on the BlackCase website, social media accounts, educational materials, emails, and SMS messages—including but not limited to logos, trademarks, service marks, trade names, articles, graphics, infographics, videos, and written communications—is the exclusive property of BlackCase or its licensors. 12.2 License to Use Website Content Users are granted a limited, non-exclusive, non-transferable license to access and use the website solely for personal, non-commercial purposes. Users may not reproduce, distribute, modify, or republish BlackCase content without express written permission. 12.3 Prohibited Use Users may not: Copy or scrape website data using automated bots or crawlers. Use BlackCase materials for commercial purposes without authorization. Misrepresent BlackCase’s trademarks, content, or images as their own. Create derivative works without express written consent. 12.4 Copyright Infringement BlackCase respects intellectual property rights and expects users to do the same. If you believe your work has been used improperly, you may submit a copyright complaint to BlackCase under the Digital Millennium Copyright Act (DMCA). 12.5 Third-Party Rights Any third-party content used on this site is properly attributed, and all rights remain with the original creators. BlackCase does not claim ownership of third-party trademarks or service marks.

13. Website Use Restrictions 13.1 Acceptable Use Users agree to use the BlackCase website, social media pages, and related services in a manner that is lawful, ethical, and consistent with these Terms. Acceptable uses include: Accessing educational materials for personal learning Subscribing to communication services such as SMS or email updates Scheduling one-on-one consultations through approved platforms Sharing BlackCase content on social media with proper attribution 13.2 Prohibited Activities Users shall not, under any circumstances: Use automated bots, scrapers, or crawlers to harvest data from the website or affiliated platforms Attempt to bypass security measures or access restricted areas of the website Impersonate BlackCase representatives or misrepresent affiliation Use the website or services to engage in fraud, money laundering, or unlawful solicitation Post defamatory, obscene, harassing, or otherwise unlawful content on BlackCase’s social media platforms Introduce malware, viruses, worms, or harmful code into BlackCase systems Reproduce, republish, or redistribute BlackCase educational content without written authorization 13.3 Consequences of Misuse Violations of these restrictions may result in: Immediate suspension of website or service access Permanent termination of subscriptions or accounts Notification to regulatory authorities (e.g., FINRA, SEC, state insurance regulators) if violations involve securities or insurance misrepresentation Civil and/or criminal liability depending on the severity of the violation 13.4 Monitoring and Enforcement BlackCase reserves the right, but not the obligation, to monitor user activity, investigate complaints, and enforce these Terms at its sole discretion. Enforcement actions may include removing user-submitted content, blocking IP addresses, or pursuing legal remedies.

14. Third-Party Links and External Resources 14.1 External Links Disclaimer The BlackCase website and social media pages may include links to third-party websites, services, or resources. These links are provided for convenience only. BlackCase does not endorse, control, or assume responsibility for the content, privacy practices, or terms of these external sites. 14.2 No Liability for Third-Party Content Users acknowledge that BlackCase is not liable for damages, losses, or issues arising from: Reliance on third-party articles, tools, or calculators Interactions with external vendors or financial institutions linked from BlackCase content Security breaches, malware, or data loss resulting from third-party websites 14.3 Affiliate or Sponsored Content Disclosure From time to time, BlackCase may reference or promote third-party services, products, or platforms. In cases where affiliate links or sponsorships exist, BlackCase will disclose this relationship in accordance with FTC advertising guidelines. Users are responsible for conducting their own due diligence before engaging with third-party offerings. 14.4 User Responsibility By clicking third-party links, users assume full responsibility for reviewing that site’s privacy policies, terms of use, and compliance standards.

15. Extended Social Media Clauses 15.1 Platform Non-Affiliation Instagram, Facebook, LinkedIn, YouTube, TikTok, and other social media platforms where BlackCase content appears are not affiliated with BlackCase beyond serving as distribution channels. These platforms are not monitored or regulated by FINRA, the SEC, or the State of Texas, and therefore cannot serve as official solicitation environments. 15.2 Educational Use Only Reminder Content shared on these platforms—including captions, images, videos, reels, stories, and advertisements—exists strictly for educational and brand awareness purposes. Users must not interpret these communications as financial recommendations or solicitations. 15.3 Engagement Limitations Liking, commenting, or sharing does not establish a client relationship. Direct messages (DMs) may be acknowledged but will never include financial product recommendations. Any inquiries requiring solicitation will be directed to a formal Zoom consultation or scheduled one-on-one call. 15.4 Community Guidelines Users engaging with BlackCase social media content agree not to: Post offensive, illegal, or defamatory material Solicit other users through BlackCase comment sections Impersonate BlackCase representatives Share misleading financial information 15.5 Removal of Content BlackCase reserves the right to delete or restrict user-generated comments, posts, or messages that violate these Terms, regulatory requirements, or community guidelines.

Justin Forster is the founder of BlackCase, a financial professional, branding expert, social media strategist, website creator, and video producer, with experience in manufacturing, marketing, and financial services. He is also a National Guard service member and licensed with New York Life, specializing in building trust and delivering personalized financial solutions.

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