Terms of Service
Effective Date: May 2026
These Terms of Service (“Terms”) govern your access to and use of the website, content, resources, contact forms, scheduling tools, videos, and related features operated by ARK Financial Wellness, LLC (“Company,” “we,” “us,” or “our”), including https://arkfinancialwellness.com/ and related services (collectively, the “Site” and “Services”).
ARK Financial Wellness, LLC is an independent firm with advisory services offered through Blackridge Asset Management, LLC, an SEC Registered Investment Adviser.
By accessing or using the Site or Services, you agree to be bound by these Terms. If you do not agree, do not use the Site or Services.
1. Eligibility
You must be at least 18 years old to use the Site or Services, or you must use them under the supervision and consent of a parent or legal guardian. By using the Site or Services, you represent that you meet these requirements.
The information on this Site is directed toward U.S. residents only.
2. Use of the Site and Services
You agree to use the Site and Services only for lawful purposes and in accordance with these Terms.
You agree not to:
use the Site in violation of any applicable law or regulation;
interfere with the operation, security, or integrity of the Site;
attempt to gain unauthorized access to accounts, systems, or data;
submit false, misleading, unlawful, abusive, defamatory, infringing, or otherwise harmful content;
impersonate another person or misrepresent your affiliation with any person or entity; or
use the Site or Services in a way that could damage, disable, overburden, or impair our systems or operations.
3. Contact Forms, Scheduling, and Communications
The Site may allow you to submit contact forms, request information, schedule consultations, or communicate with ARK Financial Wellness, LLC.
You agree to provide accurate, current, and complete information when submitting information through the Site. Submitting a form, scheduling a meeting, or contacting us through the Site does not create an advisory, fiduciary, professional, or client relationship.
If you provide your phone number and consent to receive text messages, ARK Financial Wellness, LLC may send you text messages periodically. Message frequency may vary. Message and data rates may apply. You may opt out of text messages at any time by replying STOP or by contacting us directly.
ARK Financial Wellness, LLC will not share your customer data with third parties or affiliates for marketing or promotional purposes.
4. Advisory Services
Advisory services are only offered to clients or prospective clients where ARK Financial Wellness, LLC, Blackridge Asset Management, LLC, and their Investment Advisor Representatives are properly licensed or exempted.
Personal investment advice, financial planning recommendations, and financial guidance can only be provided after formal engagement of ARK Financial Wellness, LLC and Blackridge Asset Management, LLC, execution of required documentation, and receipt of required disclosures.
5. No Client Relationship Created by Website Use
Your use of the Site does not create an advisory, fiduciary, professional, or client relationship with ARK Financial Wellness, LLC, Blackridge Asset Management, LLC, or any Investment Advisor Representative.
A client relationship is only formed through a separate written agreement and completion of all required documentation.
6. Website Content and Educational Materials
The Site may include articles, videos, third-party resources, financial wellness content, educational materials, and other information.
All content and materials are provided for general informational and educational purposes only. The information should not be regarded as a complete analysis of the subjects discussed.
Although ARK Financial Wellness, LLC believes the information and content on the Site to be factual and current, we do not guarantee its accuracy, completeness, reliability, or timeliness.
We may modify, suspend, or discontinue any part of the Site or Services at any time, with or without notice.
7. No Investment, Tax, Insurance, or Legal Advice
Nothing on this Site constitutes investment, tax, insurance, or legal advice.
ARK Financial Wellness, LLC is not engaged in the practice of law, is not engaged in tax preparation, and is not licensed to sell insurance products. The content on this Site should not be construed as legal, tax, or insurance advice.
You should consult an attorney, tax professional, insurance professional, or other qualified professional regarding your specific situation.
8. No Solicitation or Offer
The opinions expressed and materials provided on this Site are for general information only and should not be considered a solicitation, recommendation, or offer to buy or sell any security, investment product, insurance product, or financial service.
All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change without notice.
9. Investment Risk
Investments in securities involve the risk of loss. Past performance is no guarantee of future results.
No content on this Site should be interpreted as a guarantee of future investment results, financial outcomes, or performance.
10. Third-Party Services and Links
The Site may contain links to third-party websites, services, articles, resources, social media platforms, embedded tools, videos, or business partners.
These third-party services may include, but are not limited to:
Google Analytics;
Google reCAPTCHA;
YouTube; and
Calendly.
We do not control and are not responsible for the content, practices, terms, privacy policies, cookies, tracking technologies, products, services, or availability of any third party.
Your use of third-party services is at your own risk and may be governed by separate terms and policies.
11. Google Analytics, reCAPTCHA, YouTube, and Calendly
The Site uses Google Analytics to help us understand website traffic and usage patterns.
The Site uses Google reCAPTCHA to help protect website forms from spam, fraud, and automated abuse. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
The Site may include embedded YouTube videos for educational purposes. Embedded video content may be subject to YouTube’s and Google’s own terms, privacy policies, and cookie practices.
The Site may use Calendly to allow visitors to schedule appointments or consultations. Your use of Calendly may be subject to Calendly’s own terms, privacy policies, and cookie practices.
12. Intellectual Property
Unless otherwise stated, the Site and Services, including text, graphics, branding, videos, educational materials, designs, logos, software, photographs, and other content, are owned by or licensed to ARK Financial Wellness, LLC and are protected by intellectual property laws.
You may not copy, reproduce, republish, distribute, modify, create derivative works from, publicly display, or exploit any part of the Site or Services without our prior written permission, except as allowed by law or expressly authorized by us.
13. User Submissions
If you submit messages, form responses, comments, feedback, testimonials, reviews, or other materials through the Site or related platforms, you represent that you have the right to do so and that your submission does not violate any law or the rights of any third party.
You are solely responsible for the information and content you submit.
We may use submissions you provide for the purpose of responding to inquiries, operating the Site, improving our Services, maintaining records, or as otherwise described in our Privacy Policy.
14. Testimonials, Images, and Photographs
If you provide a testimonial, review, endorsement, or similar statement to us, we will only use it in accordance with applicable law and any required consent.
Images and photographs on the Site are included solely to visually enhance the website. They should not be construed as an endorsement, testimonial, or representation of any client experience by any person appearing in the image.
15. Privacy
Your use of the Site and Services is also subject to our Privacy Policy and Cookie Policy, which describe how we collect, use, and disclose information.
By using the Site, you acknowledge that you have reviewed or had the opportunity to review our Privacy Policy and Cookie Policy.
16. International Use
The Site is operated from the United States and is directed toward U.S. residents only.
If you access the Site from outside the United States, you understand that your information may be transferred to, stored in, and processed in the United States and other jurisdictions where our service providers operate.
17. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
WE DO NOT GUARANTEE THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, ACCURATE, COMPLETE, CURRENT, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
18. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARK FINANCIAL WELLNESS, LLC, BLACKRIDGE ASSET MANAGEMENT, LLC, AND THEIR RESPECTIVE AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, INVESTMENT RESULTS, OR FINANCIAL OUTCOMES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
19. Indemnification
You agree to defend, indemnify, and hold harmless ARK Financial Wellness, LLC, Blackridge Asset Management, LLC, and their respective affiliates, officers, employees, contractors, representatives, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to:
your use of the Site or Services;
your violation of these Terms;
your violation of any applicable law or third-party right; or
any content or information you submit through the Site.
20. Termination
We may suspend or terminate your access to the Site or Services at any time, with or without notice, if we believe you have violated these Terms, applicable law, or any policy governing the Site.
Sections that by their nature should survive termination will survive, including without limitation sections relating to intellectual property, disclaimers, limitation of liability, indemnification, governing law, dispute resolution, and privacy-related provisions.
21. Governing Law
These Terms will be governed by and construed in accordance with the laws of the State of Missouri, without regard to conflict of law principles.
22. Dispute Resolution
Any dispute arising out of or relating to these Terms or the Site shall first be addressed by contacting us and attempting to resolve the matter informally.
If informal resolution is unsuccessful, any legal action shall be brought in the state or federal courts located in St. Louis County, Missouri, unless applicable law requires otherwise, and you consent to that jurisdiction and venue.
23. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the Effective Date above.
Your continued use of the Site or Services after changes become effective constitutes your acceptance of the updated Terms.
24. Contact Information
If you have questions about these Terms, contact us at:
ARK Financial Wellness, LLC
11600 Manchester Rd, Suite 101
St. Louis, MO 63131
Phone: (314) 353-9924
Email: Lisa@ARKFinancialWellness.com