Terms of Service

Last Updated: May 7, 2026 Welcome to the professional digital platform of George Gadzik. By accessing this website, using its forms, interacting with chat or voice tools, requesting a consultation, using linked resources, or communicating through website-related systems, you agree to comply with and be bound by the following terms and conditions.

1. Important Financial Services Disclosure

George Gadzik is an Investment Adviser Representative (“IAR”) of Your IA, LLC, and a licensed insurance agent in AZ, TX, CO, and FL. Investment advisory services and insurance services are offered through separate entities and are governed by different regulatory authorities. When offering insurance products, George Gadzik is compensated by commissions paid by the insurance company, which creates a financial incentive to recommend certain products. Commission amounts vary by product and carrier. Your IA, LLC does not sell insurance products, is not affiliated with any insurance carrier, and does not receive compensation from insurance sales unless otherwise disclosed in writing.

2. Nature of Services

George Gadzik provides financial coordination, strategic planning, educational information, and related advisory or insurance services where appropriate. All insights provided through this website, including blog posts, downloadable materials, website content, AI-assisted communications, forms, calculators, and third-party planning tools, are for informational and educational purposes only. Use of this website does not guarantee that any particular service, strategy, investment, insurance product, tax strategy, estate strategy, retirement outcome, or financial result is appropriate for you.

3. No Investment, Insurance, Tax, or Legal Advice Through This Website

The content on this website does not constitute individualized investment advice, financial planning advice, insurance advice, tax advice, legal advice, accounting advice, portfolio advice, or a recommendation to buy, sell, hold, replace, or exchange any security, insurance product, or financial product.

A professional advisory relationship is only established upon completion and acceptance of the required onboarding documentation, including a formal written advisory agreement where applicable.
Users are encouraged to consult with their own legal, tax, accounting, insurance, and financial professionals before implementing any strategy discussed on this website.
Any personalized recommendation should come directly from George Gadzik or another qualified professional after reviewing your individual circumstances.

4. No Advisory Relationship Created by Website Use

Your use of this website, contact forms, AI-assisted chat, AI-assisted voice tools, scheduling tools, text messages, email, or linked third-party resources does not create an advisory relationship with George Gadzik, Your IA, LLC, or any affiliated or unaffiliated entity. An advisory relationship is established only through completion and acceptance of required onboarding documentation, including a written advisory agreement and applicable disclosures.

5. AI-Assisted Chat, Voice, and Receptionist Tools

This website and related communication systems may use AI-assisted receptionist, chat, voice, or text tools. These tools are limited to administrative and call-to-action routing functions, such as:

Answering basic receptionist-style questions
Helping route calls or messages
Capturing limited basic contact information
Assisting with follow-up or scheduling requests
Directing users to George Gadzik
Directing users to the JourneyGuide planning app when appropriate

The AI-assisted tools do not provide financial advice, investment recommendations, insurance recommendations, tax advice, legal advice, portfolio analysis, market commentary, product recommendations, or client-specific guidance. If you ask an advisory, financial, insurance, account-specific, legal, tax, or investment-related question, the AI-assisted tool is intended to refer you to George Gadzik or an appropriate human representative. You should not rely on any AI-assisted chat, voice, or text response as professional advice.

6. Do Not Submit Sensitive Information Through AI Chat, Voice, Text, or General Forms

You agree not to submit sensitive financial or personal information through AI chat, AI voice, text message, general website forms, or other non-secure communication channels. Do not submit:

Social Security numbers
Account numbers
Passwords or login credentials
Tax documents
Portfolio holdings
Trade instructions
Money movement instructions
Custodian information
Insurance policy documents
Detailed net worth statements
Estate documents
Medical information
Other confidential financial or personal records

Detailed planning information should be submitted only through approved secure methods or the appropriate planning platform designated by George Gadzik.

7. JourneyGuide Planning App

This website may direct you to the JourneyGuide planning app: https://advisor.journeyguideplanning.com/ JourneyGuide is a third-party planning platform where prospects or clients may provide planning information for George Gadzik. JourneyGuide is not owned or operated by this website. Your use of JourneyGuide is governed by JourneyGuide’s own terms, privacy policy, security practices, and disclosures. You should review those materials before submitting information through JourneyGuide. Any reports, projections, calculations, illustrations, or planning outputs generated through JourneyGuide should be reviewed with George Gadzik or another qualified professional before being used for decision-making.

8. Accuracy of Information

While George Gadzik strives to ensure that website content is accurate and current, financial markets, tax laws, insurance rules, regulations, and individual circumstances can change. George Gadzik makes no representations or warranties regarding the completeness, accuracy, timeliness, or suitability of information provided on this website. You should verify information before relying on it and consult with George Gadzik or other qualified professionals before making financial, investment, insurance, tax, or legal decisions.

9. No Guarantee of Results

Investing and financial planning involve risk, including the possible loss of principal. Insurance products, investment strategies, tax strategies, estate strategies, and retirement strategies may not be suitable for everyone. No website content, planning tool, AI-assisted communication, consultation request, educational material, third-party resource, or communication from this website guarantees any investment return, income level, tax result, estate result, insurance result, retirement outcome, or financial planning outcome. Past performance is not a guarantee of future results. Hypothetical examples, illustrations, calculators, projections, or planning outputs are for informational purposes and may differ from actual results.

10. Electronic Communications, Calls, Texts, and Records

By contacting George Gadzik through this website, phone, chat, voice, text, email, forms, or scheduling tools, you understand that communication records may be created and retained. These records may include:

Form submissions
Chat transcripts
AI-assisted chat responses
Text/SMS messages
Call logs
Voicemail recordings
Call recordings, if enabled
Call transcripts or summaries, if enabled
Appointment requests
Routing or follow-up notes

These records may be used for business, administrative, compliance, supervision, quality assurance, legal, regulatory, or recordkeeping purposes.

11. SMS/Text Messaging Terms

If you provide your phone number and consent to receive text messages, you authorize George Gadzik or his authorized communication systems to send you text messages for administrative, scheduling, appointment confirmation, follow-up, and related communication purposes. By opting in, you agree to receive recurring SMS/text messages from George Gadzik at the mobile number you provided. Consent to receive text messages is not a condition of purchasing any product or service. Message and data rates may apply. Message frequency may vary.

Opt-Out: You may opt out at any time by replying STOP. After you reply STOP, you may receive one final message confirming that you have been unsubscribed.
Help: You may request help by replying HELP, where supported, or by contacting George Gadzik through the contact information provided on this website.
Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.
Privacy: Your use of text messaging is subject to our Privacy Policy, including its SMS opt-in data-sharing restrictions.

Do not send confidential financial information, account instructions, trade instructions, money movement instructions, or sensitive personal information by text message.

12. Age Restriction and Eligibility

This website, consultation requests, related services, and the SMS/text messaging program are intended only for individuals who are at least 18 years old. By using this website, submitting a form, requesting a consultation, or opting in to SMS/text messages, you confirm that you are at least 18 years old and that you are the owner or authorized user of any phone number you provide.

13. External Links and Third-Party Resources

This website may contain links to third-party websites, planning platforms, custodial platforms, tax resources, educational resources, or other external tools. These links are provided for convenience only. George Gadzik does not control and is not responsible for third-party websites, their content, privacy practices, security practices, terms, or availability. A link to a third-party website does not necessarily imply endorsement, approval, affiliation, or responsibility for that third party.

14. User Responsibilities

You agree to use this website and related tools only for lawful purposes. You agree not to:

Misuse website forms, chat, voice, or text systems
Submit false, misleading, or unauthorized information
Attempt to gain unauthorized access to any system
Upload or transmit malware, spam, or harmful content
Use this website in a way that interferes with its operation
Submit another person’s personal information without authorization

15. Intellectual Property

Unless otherwise stated, the content on this website, including text, design, images, graphics, logos, educational materials, and related materials, is owned by or licensed to George Gadzik or the applicable content provider.

Users may view or download materials for personal, non-commercial use only.
Reproduction, redistribution, modification, publication, or commercial use of this content without express written consent is strictly prohibited.

16. Privacy

Your use of this website is also governed by the Privacy Policy. Please review the Privacy Policy to understand how information may be collected, used, shared, and retained.

17. Limitation of Liability

To the fullest extent permitted by law, George Gadzik and related parties are not liable for any direct, indirect, incidental, consequential, special, punitive, or other damages arising from or related to your use of this website, AI-assisted tools, third-party links, planning resources, website content, or electronic communications. This limitation does not limit any rights or obligations that cannot be limited under applicable law.

18. Changes to These Terms

These Terms may be updated from time to time to reflect changes in services, technology, legal requirements, or compliance obligations. Continued use of this website after changes are posted means you accept the updated Terms.

19. Contact

If you have questions about these Terms, please contact George Gadzik through the contact information provided on this website.