Terms of Service

Last updated: September 18, 2026

Educational use only

Content, tools, and products from Hawes Financial Group are for education and personal organization only. They are not personalized investment, tax, credit, or financial advice. HFG is not a broker-dealer, registered investment adviser (RIA), or lender.

No professional relationship

Using this site, subscribing to the newsletter, buying the Monthly Money Planner, or trying the interactive tools does not create an advisory, brokerage, or fiduciary relationship. Consider a qualified professional for advice specific to your situation.

Products and tools

The Monthly Money Planner is sold via Gumroad as a digital download (Excel workbook + how-to PDF). Interactive calculators on this site are illustrative: outputs depend on your inputs and assumptions. Results are not guarantees or recommendations.

Third-party services

Newsletter delivery (Buttondown), product checkout (Gumroad), and social links (X) are operated by third parties under their own terms. HFG is not responsible for those services.

Browser tools and local data

Interactive tools may store snapshots in your browser (localStorage under hfg-tools-v1). You control that data. Optional “email result” flows require affirmative consent and subscribe you via Buttondown; they are not advice and not a free downloadable lead magnet.

Contact

Questions: hawesfinancialgroup@outlook.com.