Terms of Service

01Agreeing to these terms

This website, overwatchfin.com, is operated by Overwatch Financial, LLC ("Overwatch Financial," "we," "us" or "our"), an independent retirement planning practice based in Chandler, Arizona. "You" means anyone who visits the site, fills out one of our forms, signs up for a seminar, requests our retirement guide, talks or meets with our staff or advisors, or receives text messages from us.

By using this website, you agree to these Terms of Service and to our Privacy Policy, which explains what information we collect and how we use and share it. If you don't agree, please don't use the site.

This website is meant for adults. You must be at least 18 years old to submit a form, register for a seminar or sign up for text messages.

02Educational information only

Everything on this website, in our retirement guide and at our seminars is general educational information. It is not personalized investment, insurance, tax or legal advice, and it doesn't take your personal situation into account.

• Using this website, requesting a 15-minute call or attending a seminar does not make you a client. An advisory relationship begins only when you sign a written agreement with Overwatch Management Group LLC (OWM).
• No investment strategy or insurance product can guarantee results. Past performance does not guarantee future results.
• We are not tax advisors or attorneys. Talk with your tax professional about your taxes. For estate planning, we coordinate with your estate attorney, and we don't provide legal services.
• Nothing on this site is an offer to sell, or a solicitation of an offer to buy, any security or insurance product in any state where that offer or solicitation would be unlawful.

03Advisory and insurance services

Investment advisory services. Investment Advisory services are provided by duly licensed individuals of Overwatch Management Group LLC (OWM). OWM and Overwatch Financial are affiliated companies. OWM is registered as an investment adviser in Alaska, Arizona, California, Idaho, and New Mexico, and offers advisory services only to residents of states where it is registered or exempt from registration. Registration does not imply a certain level of skill or training.

Insurance products are offered through Independent Life Group, our affiliated insurance agency. Kevin Goodwin is a licensed insurance agent in Alabama, Alaska, Arizona, California, Colorado, Florida, Idaho, Montana, Nevada, New Mexico, Oregon, South Carolina, Tennessee, and Utah (National Producer Number 8245456; California License #0G86977). Insurance products are offered only in states where he is licensed. Guarantees in an insurance product are based on the claims-paying ability of the issuing insurance company.

Medicare enrollment questions are referred to a third-party Medicare service through Advisors Excel, an unaffiliated company. Overwatch Financial is not connected with or endorsed by the U.S. government or the federal Medicare program.

If you become a client, your written advisory agreement, OWM's Privacy Notice, insurance contracts and account documents govern those services. If they differ from these Terms, those documents control.

04Text messaging terms

Program: Overwatch Financial appointment and request updates. When you check the optional text-message box on one of our forms, you agree to receive text messages from Overwatch Financial about your appointments and your request, such as scheduling confirmations, reminders and follow-ups.

• Consent is optional. Agreeing to receive texts is not a condition of any purchase. We will not send marketing or promotional text messages unless you have separately agreed to receive them.
• Message frequency varies. Message and data rates may apply, based on your mobile plan.
• To opt out, reply STOP to any message. You may also reply CANCEL, END, QUIT, UNSUBSCRIBE or STOPALL. We'll send one final message confirming you've been unsubscribed, and you won't receive more texts unless you sign up again.
• For help, reply HELP to any message, call us at (480) 566-0362 or email [email protected].
• Wireless carriers are not responsible for delayed or undelivered messages.
• Please don't text us account numbers, Social Security numbers or other sensitive details.

05Calls, emails, mail and our affiliated companies

When you submit a form, you agree that Overwatch Financial may contact you by phone, email or mail about your request. This consent is not a condition of any purchase. If you sign up, we may also send our newsletter and invitations to seminars and events.

As described in our Privacy Policy, information you give us is shared with and available to our directly affiliated companies. These are companies that share common ownership and/or staff with us, including Overwatch Management Group LLC (OWM) and Independent Life Group. By providing your information, you consent to our directly affiliated companies contacting you by phone, email or mail about their products and services.

We do not sell your personal information. Advisors Excel, an unaffiliated company that supports our advisors and agents, receives information only to provide that support and not to market to you.

You can opt out at any time. Use the unsubscribe link in any newsletter or event email, or call or email us and ask us to stop calling you, stop mailing you, or stop sharing your information with our affiliated companies for marketing.

06Recorded calls, meetings and AI notes

We may record phone calls and meetings with our staff and advisors, whether they happen by phone, by video on any platform (such as Zoom or Microsoft Teams) or in person. We also use artificial intelligence (AI) tools to transcribe, summarize and document our communications with you, including calls, meetings, emails and text messages.

• Why we do it. To keep an accurate record of what we discussed, follow up on your requests and meet the recordkeeping rules that apply to financial services firms.
• Notice and consent. We'll tell you when a call or meeting is being recorded and ask for your consent where the law requires it. By continuing the call or meeting after that notice, you agree to the recording.
• Your choice. If you'd rather not be recorded, tell us at the start and we'll take written notes instead. You can withdraw your consent for future recordings at any time. Recordings made before that are kept as the law requires.
• How AI is used. AI transcription and note-taking tools are run by service providers that may use the information only to provide services to us. AI-generated transcripts, summaries and notes are records for our use. They are not advice, and they don't replace a conversation with your advisor.
• How records are handled. Recordings, transcripts and notes are kept with your records and protected and shared as described in our Privacy Policy. We do not sell them.

07Seminars, review sessions and the retirement guide

Our seminars are educational. No specific investment or insurance products are recommended at these events. Dates, times and locations may change, and we may cancel or reschedule an event. If you registered, we'll let you know.

Private review sessions, in our Chandler office or virtually, are by appointment for current and prospective clients.

Advisory services discussed at a seminar or review session are available only to residents of states where OWM is registered or exempt from registration. Insurance products are available only in states where the agent is licensed.

Our retirement guide is free and is general educational information, like the rest of this site. We send it by email or mail, whichever you request.

08Using our website

Please use this website only for lawful, personal purposes. You agree not to:

• submit false information, or information about someone else without their permission
• use the site or our forms to send spam, advertising or harmful code
• try to access parts of the site, our systems or other people's information that you're not authorized to access
• copy, scrape or harvest content or contact information from the site with automated tools
• interfere with the site's security or operation, or use it in any way that breaks the law

We may limit or block access to the site for anyone who misuses it.

Cookies and advertising. The site uses cookies and tools from Google (Google Analytics and the Google Ads tag) and Meta (the Meta Pixel) to understand how the site is used and to measure and show our ads. Our Privacy Policy explains these tools and how to opt out.

09Our content

The text, graphics, logos, photos, retirement guide and other content on this site belong to Overwatch Financial or to others who have given us permission to use them, and are protected by copyright and trademark laws. The Overwatch Financial name, the tower logo and the process wheel are our trademarks.

You may view, download and print content for your own personal, non-commercial use. Please don't copy, change, republish or distribute it without our written permission.

10Client portal and other websites

Our site links to websites run by other companies, such as the eMoney client portal. Those sites have their own terms and privacy policies. We don't control them and aren't responsible for their content, availability or how they handle your information.

If you are a client, keep your client portal login private and let us know right away if you think someone else has used it.

11Disclaimers and limits of liability

We work to keep this website accurate and up to date, but the site and its content are provided "as is" and "as available." Information may change or become out of date, and we don't promise the site will always be available or free of errors. To the fullest extent the law allows, we disclaim all warranties, express or implied.

To the fullest extent the law allows, Overwatch Financial and its affiliated companies will not be liable for any indirect, incidental, special or consequential damages arising from your use of this website. Our total liability for any claim arising from your use of this website is limited to the lesser of $1,000 or the amount you paid Overwatch Financial in the six months before the claim arose. Some state laws don't allow these limits, so some of them may not apply to you.

You agree to be responsible for, and to cover our reasonable losses from, any claim caused by your misuse of the website or your violation of these Terms.

12Resolving disputes

If you have a concern, please contact us first. Most issues can be resolved with a phone call.

These Terms are governed by the laws of the State of Arizona. Any dispute arising from your use of this website that we can't resolve informally will be settled by binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) under its rules, before a single arbitrator, in Phoenix, Arizona. Arbitration fees will be paid as required by JAMS rules, including its Consumer Minimum Standards where they apply. Either of us may bring an eligible claim in small claims court instead.

This section applies only to disputes about this website. Disputes about advisory services or insurance products are governed by your advisory agreement or insurance contract, and nothing here limits your right to file a complaint with a regulator.

13Changes and general terms

We may update these Terms from time to time. When we do, we'll post the new version on this page and change the "Last updated" date at the top. If we make a significant change, we'll show a notice on our website. Using the site after a change means you accept the updated Terms.

We may change, suspend or discontinue any part of the website at any time. If any part of these Terms is found unenforceable, the rest stays in effect. Our not enforcing a term is not a waiver of it. These Terms and our Privacy Policy are the full agreement between you and us about your use of this website.

14Contact us

Questions about these Terms? Reach us here:

• Email [email protected]
• Phone (480) 566-0362 (Arizona) · (208) 900-4081 (Idaho)
• Mail Overwatch Financial, LLC, 2301 S Stearman Dr, Chandler, AZ 85286