1. Acceptance of Terms
Welcome to Mutual Fund Crest. By accessing or using our website, services, or any communication channels with our firm, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use our services. These Terms constitute a legally binding agreement between you and Mutual Fund Crest.
2. About Mutual Fund Crest
Mutual Fund Crest is a financial services firm based at 9 Indrio Blvd, Satellite Beach, Florida 32937, USA, established in 2020. We provide personal loan advisory, credit loan services, mortgage loan advisory, wealth and investment planning, tax advisory, and insurance services to clients across the United States.
3. Definitions
- "Company," "we," "us" refers to Mutual Fund Crest
- "User," "you," "client" refers to anyone accessing our website or services
- "Services" refers to all financial advisory and related services we offer
- "Website" refers to mutualfundcrest.com and all its pages
- "Advisor" refers to any financial professional representing our firm
4. Eligibility
To use our services, you must:
- Be at least 18 years of age
- Be a legal resident or citizen of the United States
- Have the legal capacity to enter into binding agreements
- Provide accurate, complete, and current information
- Not be prohibited from receiving financial services under applicable laws
5. Services Description
5.1 Personal Loan Advisory
We assist clients in finding competitive personal loan options. We are not a direct lender — we act as an advisory intermediary connecting clients with our lending partners. Loan approval, rates, and terms are determined solely by the lending institution.
5.2 Credit Loan Services
We provide credit analysis, score improvement guidance, and access to lending partners. We do not guarantee loan approval or specific interest rates.
5.3 Mortgage Loan Advisory
We guide clients through the mortgage process, compare lenders, and provide recommendations. Final loan approval is subject to the lender's underwriting criteria.
5.4 Wealth & Investment Planning
We provide investment advisory services as a fiduciary. However, all investments carry risk, including potential loss of principal. Past performance does not guarantee future results.
5.5 Tax Advisory
Our tax professionals provide filing and advisory services in compliance with IRS regulations. We do not guarantee specific tax outcomes or refund amounts.
5.6 Insurance Services
We provide insurance advisory and broker services. Actual policies are issued by licensed insurance carriers, and coverage is subject to policy terms.
6. User Responsibilities
You agree to:
- Provide truthful, accurate, and complete information at all times
- Maintain the confidentiality of your account credentials
- Notify us immediately of any unauthorized account access
- Not use our services for any illegal or fraudulent purpose
- Not attempt to disrupt, hack, or reverse-engineer our systems
- Not impersonate another person or entity
- Cooperate with reasonable verification requests (KYC/AML)
7. Fiduciary Duty & Disclaimers
Mutual Fund Crest operates as a fiduciary, meaning we are legally obligated to act in your best interest. However, this does not constitute a guarantee of investment performance, loan approval, or specific financial outcomes.
Investment Risk Disclosure: All investments involve risk, including possible loss of principal. Historical performance is not indicative of future results. You should carefully consider your risk tolerance, time horizon, and financial situation before making investment decisions.
Tax Disclosure: Tax strategies discussed are general in nature and may not apply to your specific situation. Always consult with a qualified tax professional for personalized advice.
Not Legal Advice: Information provided is not legal advice. For legal matters, consult a licensed attorney.
8. Fees and Payment
8.1 Subscription Fees
We offer three subscription tiers: Starter ($49/month), Premium ($149/month), and Elite ($399/month). Fees are billed monthly in advance.
8.2 Additional Service Fees
Some services (e.g., complex tax returns, estate planning) may incur additional fees, disclosed and agreed upon before work begins.
8.3 Cancellation
You may cancel your subscription anytime with 30 days' written notice. No refunds are provided for partial billing periods. Cancellation does not affect services already rendered.
8.4 Late Payments
Accounts more than 15 days past due may be suspended. Accounts more than 30 days past due may be terminated, with outstanding amounts sent to collections.
9. Intellectual Property
All content on this website — including text, graphics, logos, images, software, and design — is the property of Mutual Fund Crest or its licensors and is protected by U.S. and international copyright, trademark, and intellectual property laws. You may not:
- Reproduce, distribute, or modify our content without written permission
- Use our trademarks, logos, or branding without authorization
- Scrape, data-mine, or systematically extract information
- Frame or mirror our website without consent
10. Third-Party Services
We work with third-party lenders, insurance carriers, tax software providers, and custodians. We are not responsible for the actions, policies, or performance of these third parties. Their terms and privacy policies apply separately.
11. Limitation of Liability
To the maximum extent permitted by law, Mutual Fund Crest and its officers, employees, advisors, and affiliates shall not be liable for:
- Indirect, incidental, special, consequential, or punitive damages
- Loss of profits, data, or business opportunities
- Investment losses resulting from market conditions
- Loan denials or rate changes by lending partners
- Third-party service failures or breaches
Our total liability for any claim arising from these Terms shall not exceed the fees you paid us in the 12 months preceding the claim.
12. Indemnification
You agree to indemnify and hold harmless Mutual Fund Crest, its officers, employees, and affiliates from any claims, damages, losses, or expenses (including attorney fees) arising from:
- Your breach of these Terms
- Your provision of false or misleading information
- Your violation of applicable laws or third-party rights
- Misuse of our services or website
13. Privacy
Our handling of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.
14. Account Termination
We reserve the right to suspend or terminate your account and access to services if you:
- Violate these Terms or applicable laws
- Provide false or fraudulent information
- Engage in abusive, threatening, or harassing behavior toward our staff
- Fail to pay required fees
- Become subject to legal proceedings that affect our ability to serve you
15. Dispute Resolution
15.1 Arbitration
Any dispute arising from these Terms or our services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in Brevard County, Florida, under its Commercial Arbitration Rules. Judgment on the award may be entered in any court having jurisdiction.
15.2 Class Action Waiver
You agree that any arbitration will be conducted on an individual basis — no class actions or consolidated proceedings.
15.3 Governing Law
These Terms are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-law principles.
16. Changes to Terms
We reserve the right to modify these Terms at any time. Material changes will be communicated via email (for clients) and posted on our website. Continued use of our services after changes constitutes acceptance of the updated Terms.
17. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
18. Entire Agreement
These Terms, together with the Privacy Policy and any signed service agreements, constitute the entire agreement between you and Mutual Fund Crest regarding the use of our services.
19. Contact Information
For questions about these Terms and Conditions, please contact us:
- Mutual Fund Crest
- 9 Indrio Blvd, Satellite Beach, Florida 32937, USA
- Phone: (321) 773-8558
- Email: info@mutualfundcrest.com
- Hours: Monday–Friday, 9:00 AM – 6:00 PM EST