Please read these terms carefully before using our website or services, including SMS communications.
By accessing or using the KiMi Financial Solutions website (the "Site"), you agree to be bound by these Terms and Conditions ("Terms"). These Terms apply to all visitors, users, and others who access or use the Site. If you do not agree with any part of these Terms, you must not use our Site.
KiMi Financial Solutions is operated by Sajan Devan, a Financial Professional affiliated with Integrity | HGI (The Hegemon Group International). These Terms govern your use of this Site and any communications you initiate through it.
KiMi Financial Solutions provides informational content about financial planning services including estate planning, financial protection, retirement planning, and living benefits solutions. The Site allows visitors to:
This Site is for informational purposes only. Nothing on this Site constitutes financial, investment, legal, tax, or insurance advice. All financial planning services are subject to applicable licensing requirements in the relevant jurisdiction.
All content on this Site — including text, graphics, logos, images, and design — is the property of KiMi Financial Solutions or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our express written permission.
This Site and all content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the fullest extent permitted by applicable law, KiMi Financial Solutions and Sajan Devan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content. Our total liability to you for any claims arising from your use of the Site shall not exceed the amount, if any, paid by you to us in the preceding twelve months.
This Site may contain links to third-party websites, including the HGI website (hgicrusade.com) and appointment scheduling platforms. These links are provided for convenience only. We do not control these third-party sites and are not responsible for their content, privacy practices, or terms of service. Accessing third-party sites is at your own risk.
The information presented on this Site is for general educational and informational purposes only. It does not constitute financial advice, investment advice, insurance advice, legal advice, or tax advice. Every individual's financial situation is unique. You should consult with a qualified licensed professional before making any financial decision. Sajan Devan's ability to offer specific financial products and services is subject to applicable licensing in each state, province, or territory.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Florida.
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically.
Summary (Plain Language): By opting in, you agree to receive text messages from KiMi Financial Solutions. You can stop messages anytime by texting STOP. Text HELP for help. Message and data rates may apply.
KiMi Financial Solutions operates an SMS messaging program to communicate with clients and prospective clients who have opted in to receive text messages. The program ("SMS Program") is used to send:
Participation in the KiMi Financial Solutions SMS Program is entirely voluntary. To receive SMS messages from us, you must affirmatively opt in through one of the following methods:
Consent is not a condition of purchase. You are not required to consent to receive SMS messages to receive financial planning services, schedule a consultation, or engage with KiMi Financial Solutions in any way.
By opting in, you represent and warrant that:
Message frequency varies based on your engagement with us and the nature of your inquiry. You may receive:
We will not send excessive or unsolicited messages. Messaging frequency may increase temporarily during active planning engagements or in response to your inquiries.
Message and data rates may apply. Standard SMS and data rates charged by your mobile carrier may apply to messages sent and received. KiMi Financial Solutions does not charge any fee for participating in the SMS Program. You are responsible for any charges imposed by your mobile carrier. Contact your mobile carrier for information about your messaging plan.
You may opt out of the KiMi Financial Solutions SMS Program at any time using any of the following methods:
Upon receipt of a valid opt-out request, we will send you one final confirmation message stating that you have been unsubscribed. After that confirmation, no further SMS messages will be sent to your number unless you re-subscribe.
Please allow up to 48 hours for opt-out requests to be fully processed across all messaging systems.
If you need assistance with the SMS Program or have questions about the messages you are receiving, you may:
Our SMS Program is available on most major US and Canadian wireless carriers, including but not limited to: AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, US Cellular, MetroPCS, and Rogers (Canada). Carrier support may vary. We are not responsible for delayed or undelivered messages due to carrier issues.
Our SMS Program is designed to comply with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and the regulations promulgated thereunder, as well as applicable state laws governing telephone and SMS communications. We obtain prior express written consent before sending marketing text messages and honor all opt-out requests promptly.
We maintain records of all opt-in consents, including the date, time, method of consent, and the consent language presented at the time of opt-in, in accordance with TCPA requirements and carrier best practices.
KiMi Financial Solutions sends Application-to-Person (A2P) SMS messages through registered messaging campaigns in compliance with The Campaign Registry (TCR) requirements and carrier guidelines. Our messaging campaigns are registered and approved for the use cases described in Section 10 of these Terms.
We do not engage in:
Mobile opt-in data, including your phone number and consent records, will not be shared with or sold to third parties for marketing purposes. This data is used solely to deliver the SMS communications you have requested and to maintain required compliance records. For full details on how we handle your data, please review our Privacy Policy.
KiMi Financial Solutions shall not be liable for any delays in the delivery of SMS messages, failed message deliveries due to carrier issues, charges incurred from your mobile carrier, or any damages arising from your participation in or reliance on the SMS Program. Participation in the SMS Program is at your own risk.
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and KiMi Financial Solutions regarding your use of the Site and participation in our communications programs. They supersede all prior agreements, representations, and understandings.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
For questions, concerns, or requests related to these Terms and Conditions, please contact us:
Disclaimer: These Terms and Conditions are provided for informational and compliance purposes. They do not constitute legal advice. The SMS compliance language herein is drafted in accordance with current TCPA, A2P 10DLC, and Twilio best practice guidelines as of the effective date above. For jurisdiction-specific compliance requirements, consult a qualified telecommunications or privacy attorney. KiMi Financial Solutions recommends reviewing these Terms with legal counsel prior to launching any commercial SMS messaging campaigns.