Terms & Conditions

Updated: 07/27/2026

Website Terms & Conditions

Welcome to www.rickyoungfinancial.com (“Website”), owned and operated by Rick Young Financial Services (“RYFS,” “we,” “our,” or “us”).

By accessing or using this Website, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the Website.

Website Purpose

The information contained on this Website is provided solely for general educational and informational purposes.

Nothing contained on this Website constitutes:

  • individualized investment advice;
  • a recommendation to purchase or sell any security;
  • a solicitation of any investment strategy;
  • legal advice;
  • tax advice;
  • accounting advice; or
  • an offer of financial services in any jurisdiction where such services may not lawfully be offered.

Any investment decision should be made only after consulting with a qualified financial professional who has considered your individual circumstances.

No Client Relationship

Your use of this Website, including submitting a contact form, sending an email, or requesting information, does not establish:

  • an investment advisory relationship;
  • a brokerage relationship;
  • a fiduciary relationship;
  • or any other professional engagement.

A professional relationship is established only after all required agreements have been executed and accepted by the appropriate parties.

Investment Risk

Investing involves risk, including the possible loss of principal.

Past performance is not indicative of future results.

No investment strategy can guarantee profits or eliminate the risk of loss.

Examples, case studies, hypothetical illustrations, and educational materials presented on this Website are intended solely for informational purposes and should not be interpreted as guarantees of future performance.

Accuracy of Information

We believe the information presented on this Website is derived from sources believed to be reliable.

However, we make no representation or warranty regarding the accuracy, completeness, or timeliness of any information contained on this Website.

Market conditions, laws, regulations, and financial circumstances change frequently, and information may become outdated without notice.

Market Commentary

Opinions and market commentary expressed on this Website reflect our judgment as of the date published and are subject to change without notice.

Nothing contained herein should be interpreted as investment advice or a recommendation for any particular investor.

Availability of Services

Investment advisory and securities-related services are offered only through appropriately registered representatives and investment adviser representatives and only in jurisdictions where they are properly registered or otherwise exempt from registration.

Nothing on this Website should be construed as a solicitation in any jurisdiction where such solicitation would be unlawful.

Third-Party Links

This Website may include links to third-party websites, including custodians, regulatory organizations, financial institutions, or educational resources.

These links are provided solely as a convenience.

Rick Young Financial Services does not control, endorse, or guarantee the content, products, services, or privacy practices of third-party websites.

Your use of any third-party website is at your own risk.

Intellectual Property

Unless otherwise noted, all content appearing on this Website—including text, graphics, logos, photographs, videos, icons, design elements, downloadable materials, and trademarks—is the property of Rick Young Financial Services or its licensors and is protected under applicable intellectual property laws.

You may download or print Website content solely for your personal, non-commercial use.

No Website content may be reproduced, modified, distributed, republished, transmitted, displayed, or otherwise used without our prior written permission.

Acceptable Use

You agree not to:

  • violate any applicable law while using the Website;
  • interfere with Website security or functionality;
  • attempt unauthorized access to Website systems;
  • introduce malicious software or code;
  • scrape or harvest Website content using automated tools;
  • engage in any activity that disrupts the operation of the Website.

We reserve the right to restrict or terminate access to users who violate these Terms.

Electronic Communications

Communications submitted through this Website or by ordinary email may not be secure.

Information submitted through this Website does not become confidential solely because it is transmitted through the Website.

If confidential financial information is needed, we will provide instructions for transmitting information through a secure communication method.

SMS Communications

By voluntarily providing your mobile telephone number and opting into SMS communications, you agree to receive text messages from Rick Young Financial Services regarding your relationship with our firm.

Messages may include, but are not limited to:

  • Appointment confirmations
  • Appointment reminders
  • Meeting scheduling
  • Client service updates
  • Requests for information
  • Secure portal reminders
  • Administrative notifications

Message frequency varies.

Message and data rates may apply.

Consent to receive SMS messages is not a condition of purchasing financial products or services.

You may revoke your consent at any time by replying STOP.

For assistance contact our office.

Carriers are not liable for delayed or undelivered messages.

Limitation of Liability

To the fullest extent permitted by law, Rick Young Financial Services shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of, inability to access, or reliance upon this Website or its contents.

Nothing contained herein shall limit liability where such limitation is prohibited by applicable law.

Regulatory Information

Additional regulatory disclosures applicable to investment advisory and securities-related services, including applicable FINRA, SIPC, and Form CRS information where required, are provided elsewhere on this Website and are incorporated herein by reference.

Privacy

Your use of this Website is also governed by our Privacy Policy.

Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time.

Updated Terms become effective immediately upon posting to this Website.

Your continued use of the Website constitutes acceptance of any revisions.

Governing Law

These Terms & Conditions shall be governed by the laws of the State of Nebraska, except to the extent superseded by applicable federal law, including the federal securities laws and related regulations.

Any legal action relating to these Terms shall be brought in a court of competent jurisdiction located in Douglas County, Nebraska, unless otherwise required by applicable law.

Contact Information