Terms & Conditions

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Effective Date: November 2025
Last Updated: November 2025

These Terms and Conditions (“Terms”) govern your use of the website pfari.com and all services offered by Providence Financial Advisors (“Company,” “we,” “our,” or “us”).
By accessing or using our website or related services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy.
If you do not agree with these Terms, you must not use our website or services.

Providence Financial Advisors is a registered independent financial advisory firm providing financial planning, investment consultation, and related services.
Our principal offices are located in Providence, RI, with additional offices in Walpole, MA and Wellesley, MA.

Contact Information:
Email: team@pfari.com
Phone: (401) 296-3499

The website provides informational, scheduling, and communication features, including but not limited to:

• Appointment booking and consultation scheduling.
   
• Client communication via email, SMS, chat, and newsletters.
   
• Informational and educational materials relating to financial planning and investment management.
   

The information provided on this site is for general informational purposes only and does not constitute personalized financial, legal, or tax advice.
No advisory relationship exists unless and until a formal written agreement is executed between you and Providence Financial Advisors.

By using our website, you represent that you:

• Are at least 18 years of age;
   
• Have full legal capacity to enter into these Terms; and
   
• Will use this website solely for lawful purposes.
   

Users agree not to:

• Provide false or misleading information;
   
• Attempt to access restricted areas or interfere with website operations;
   
• Upload or transmit any malware, harmful code, or unsolicited communications; or
   
• Use the site for fraudulent or unauthorized purposes.
   

By submitting your contact information through any form on our website, you expressly consent to receive communications from Providence Financial Advisors, including emails, newsletters, and SMS messages related to scheduling, updates, and financial services.

• Message and data rates may apply for SMS communications.
   
• You may opt out at any time by replying STOP or emailing team@pfari.com.
   

All communications between you and our firm may be recorded or retained as permitted by law and regulatory policy.

All information on pfari.com, including reports, insights, and calculators, is for informational and educational purposes only.
Nothing on this site constitutes:

• An offer to sell or a solicitation to buy securities;
   
• Legal, accounting, or tax advice; or
   
• A guarantee of investment performance or suitability.
   

You should consult a qualified professional before making any financial or investment decision.
Providence Financial Advisors and its representatives disclaim all liability for any decisions made based on the information contained herein.

An advisory relationship with Providence Financial Advisors is established only upon the execution of a written Advisory Agreement.
Completion of an online form, scheduling a consultation, or receiving a communication from our firm does not in itself create such a relationship.
All advisory services are subject to the terms outlined in that formal agreement.

This website may integrate with or contain links to third-party platforms and tools (including but not limited to RingCentral, GoDaddy, Zoom, or calendar applications).
These services are provided for convenience only and are subject to their own privacy and terms policies.
We are not responsible for the availability, content, or security of third-party websites or integrations.
Use of such services is at your own risk.

All content, data, text, graphics, logos, designs, icons, and other materials on pfari.com are the exclusive property of Providence Financial Advisors or its licensors.
You may not copy, reproduce, modify, distribute, display, or use any content without our prior written consent, except for personal and non-commercial use.
Unauthorized use of our intellectual property may violate copyright, trademark, and other applicable laws.

Use of this website is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.
By using our site, you acknowledge and agree to the terms of that policy.
We make reasonable efforts to safeguard all client and visitor data but cannot guarantee absolute security of any information transmitted electronically.

To the fullest extent permitted by law, Providence Financial Advisors, its officers, employees, affiliates, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the website or our services.
This includes, but is not limited to, loss of profits, data, or goodwill, whether based on contract, tort, or otherwise, even if advised of the possibility of such damages.

Certain jurisdictions do not allow the exclusion of implied warranties or limitation of liability, so portions of this clause may not apply to you.

You agree to defend, indemnify, and hold harmless Providence Financial Advisors, its affiliates, officers, employees, and agents from any and all claims, liabilities, damages, losses, and expenses (including attorney’s fees) arising from or related to:

• Your use of this website;
   
• Violation of these Terms; or
   
• Infringement of any third-party rights.
   

This website and all materials provided herein are provided “as is” and “as available,” without any warranty, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

Providence Financial Advisors reserves the right to suspend or terminate your access to the website at its sole discretion, without notice, if it determines that you have violated these Terms or applicable laws.

These Terms shall be governed by and construed in accordance with the laws of the State of Rhode Island, without regard to conflict of law principles.
Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in Providence County, Rhode Island.

At our discretion, disputes arising from or relating to these Terms may be resolved through binding arbitration conducted in Providence, Rhode Island, in accordance with the rules of the American Arbitration Association.
Each party shall bear its own costs, and the decision of the arbitrator shall be final and binding.

Providence Financial Advisors reserves the right to modify or update these Terms at any time without prior notice.
Any changes will be effective upon posting on this page, with the “Last Updated” date revised accordingly.
Your continued use of the website constitutes acceptance of such modifications.

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

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Providence Financial Advisors concerning your use of this website and supersede all prior or contemporaneous communications.

If you have any questions regarding these Terms, please contact us at:
Providence Financial Advisors
📍 Providence, RI | Walpole, MA | Wellesley, MA
📧 team@pfari.com
📞 (401) 296-3499