Terms of Service

Burrows Financial

Website: burrowsfh.com
Effective Date: June 30, 2026
Last Updated: June 30, 2026

1. Acceptance of These Terms

Welcome to burrowsfh.com (the “Website”). This Website is operated by Burrows Financial Holdings, Inc., doing business as Burrows Financial (“Burrows Financial,” “we,” “us,” or “our”). These Terms of Service (the “Terms”) govern your access to and use of the Website.

By accessing or using the Website, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree with any part of these Terms, please do not access or use the Website.

We may update these Terms from time to time, as described in the “Changes to These Terms” section below.

2. About the Website

Burrows Financial is a privately held financial services company based in Webster, Texas. We help individuals and business owners coordinate their wealth, insurance, tax, and consulting decisions. Some services are provided by affiliated firms, including Burrows Capital Advisors, our affiliated registered investment adviser, which provides investment advisory and wealth management services.

The Website is provided for general informational purposes only. It describes who we are, the services our firm and its affiliates offer, and how to get in touch with us. The content on the Website is not a substitute for personalized professional advice, and it does not create any advisory, fiduciary, or other professional relationship between you and Burrows Financial.

3. No Investment, Legal, Tax, or Other Professional Advice

Please read this section carefully.

Informational content only. All content on the Website, including articles, descriptions of services, calculators, hypothetical examples, and any other materials, is provided for general informational and educational purposes only. Nothing on the Website constitutes investment advice, a recommendation, legal advice, tax advice, accounting advice, or an insurance recommendation, and nothing on the Website should be relied upon as such.

No offer or solicitation. Nothing on the Website is an offer to sell, or a solicitation of an offer to buy, any security, insurance product, or other financial product or service. Information on the Website is not directed at any person in any jurisdiction where the publication or availability of that information would be contrary to local law or regulation.

Investment advisory services are provided by a separate firm. Investment advisory and wealth management services are offered through Burrows Capital Advisors, a registered investment adviser and a separate, affiliated firm. Those services are governed by a separate written agreement and by the disclosure documents that Burrows Capital Advisors provides to its clients, including its Form ADV and Form CRS. Reviewing this Website or contacting us does not make you a client of Burrows Capital Advisors, Burrows Financial, or any affiliate.

No guarantee of results. Investing involves risk, including the possible loss of principal. Past performance is not a guarantee of future results, and no content on the Website should be read as a promise or guarantee about future performance, income, or outcomes. Any examples or projections are hypothetical, are provided only to illustrate general concepts, and do not reflect the experience of any particular client.

Consult your own professionals. Your financial, insurance, tax, and legal needs are specific to you. Before acting on anything you read on the Website, consult a qualified professional who can consider your individual circumstances. You are solely responsible for evaluating the accuracy, completeness, and reliability of any information on the Website and for any decisions you make based on it.

4. Eligibility and Intended Audience

The Website is intended for residents of the United States. We make no representation that the content is appropriate or available for use outside the United States. If you access the Website from another location, you do so on your own initiative and are responsible for compliance with applicable local laws.

You must be at least 18 years old and able to form a binding contract to use the Website. By using the Website, you represent that you meet these requirements.

5. Acceptable Use

You agree to use the Website only for lawful purposes and in a way that does not infringe anyone else’s rights or restrict or inhibit anyone else’s use and enjoyment of the Website. In particular, you agree not to:

• use the Website in any way that violates an applicable law or regulation
• attempt to gain unauthorized access to the Website, the servers on which it is stored, or any connected system or network
• introduce viruses, malware, or other harmful code, or otherwise interfere with the proper working of the Website
• place an unreasonable load on the Website’s infrastructure or attempt to disrupt its operation
• copy, scrape, harvest, or collect information about other users
• use automated tools to access the Website, except for standard search-engine indexing
• reproduce, modify, or create derivative works from the Website’s content except as expressly permitted in Section 6

We may suspend or terminate your access to the Website at any time, without notice, if we believe you have violated these Terms.

6. Intellectual Property

The Website and its content, including text, graphics, logos, images, page design, layout, and the selection and arrangement of materials, are owned by or licensed to Burrows Financial and are protected by United States and international copyright, trademark, and other intellectual property laws.

“Burrows Financial,” “Burrows Capital Advisors,” related names, and associated logos are trademarks or service marks of Burrows Financial or its affiliates. Other names and logos that appear on the Website may be the trademarks of their respective owners. You may not use any of these marks without prior written permission of the owner.

You may view, download, and print content from the Website for your personal, non-commercial use, provided that you keep all copyright and other proprietary notices intact. Any other use, including reproduction, distribution, public display, or commercial use, requires our prior written consent.

7. Third-Party Links and Content

The Website may contain links to websites operated by third parties, including affiliated firms such as Burrows Capital Advisors. We provide these links for your convenience. We do not control third-party websites and are not responsible for their content, products, services, or privacy practices. A link does not mean we endorse the linked site or anything on it. When you leave the Website, you should review the terms and privacy policy of any site you visit.

Some content on the Website may come from third-party sources. While we believe such information is reliable when published, we do not independently verify it and are not responsible for its accuracy or completeness.

8. Contacting Us and Submitting Information

The Website may let you contact us or share information through forms, including a client intake form, an email sign-up, or a contact request. Please do not send sensitive personal information, account numbers, or confidential financial details through the Website unless we ask you to use a secure method.

Communicating with us through the Website does not create an advisory, fiduciary, or other professional relationship, and it does not obligate us to provide services to you. We may use the information you submit to respond to you and to provide the services you request, as described in our Privacy Policy.

Any feedback, suggestions, or ideas you send us may be used by us without restriction or compensation to you.

9. Privacy

Our collection and use of personal information through the Website is described in our Privacy Policy. By using the Website, you consent to the practices described in the Privacy Policy.

10. Electronic Communications and Notices

When you use the Website or send information to us, you are communicating with us electronically, and you consent to receive communications from us electronically. We may provide notices, agreements, and other information to you by posting them on the Website or by email. You agree that these electronic communications satisfy any legal requirement that all communication be in writing.

11. Disclaimer of Warranties

The Website and all content on it are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied. To the fullest extent permitted by law, Burrows Financial disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Website will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Website or the servers that make it available are free of viruses or other harmful components. We do not warrant the accuracy, completeness, reliability, or timeliness of any content on the Website. Your use of the Website is at your own risk.

12. Limitation of Liability

To the fullest extent permitted by law, Burrows Financial and its parent, affiliates, officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses. This applies to any claim arising out of or relating to your use of, or inability to use, the Website or any content on it, under any legal theory, and whether or not we were advised that such damages were possible.

Because the Website is provided free of charge, our total liability for any claim arising out of or relating to the Website or these Terms is limited to one hundred dollars ($100), even if you have not paid us anything.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In those cases, our liability is limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify and hold harmless Burrows Financial and its parent, affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or related to your use of the Website, your violation of these Terms, or your violation of any rights of a third party.

14. Changes to These Terms

We may revise these Terms at any time by posting an updated version on the Website. Changes take effect when we post them, and we will update the “Last Updated” date above. We encourage you to review these Terms periodically. Your continued use of the Website after changes are posted means you accept the revised Terms.

15. Changes to the Website

We may change, suspend, or discontinue any part of the Website at any time, including the availability of any content or feature, without notice and without liability to you.

16. Force Majeure

We are not responsible for any failure or delay in the operation of the Website caused by events beyond our reasonable control, including acts of nature, power or internet failures, cyberattacks, labor disputes, or government actions.

17. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Website will be brought exclusively in the state or federal courts located in Harris County, Texas, and you consent to the personal jurisdiction of those courts.

Nothing in this section limits any rights you may have that cannot be waived under applicable law.

18. Assignment

You may not assign or transfer these Terms, or any of your rights or obligations under them, without our prior written consent. We may assign these Terms, in whole or in part, to any affiliate or successor, including in connection with a merger, acquisition, or sale of assets. These Terms are binding on, and benefit, the parties and their permitted successors and assigns.

19. No Third-Party Beneficiaries

Except for the parent, affiliates, officers, directors, employees, and agents named in the disclaimer, limitation-of-liability, and indemnification sections, these Terms do not create any rights for any third party.

20. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will stay in full force and effect.

21. Entire Agreement and Waiver

These Terms, together with our Privacy Policy, are the entire agreement between you and Burrows Financial regarding your use of the Website, and they replace any prior agreements on that subject. Our failure to enforce any provision of these Terms is not a waiver of that provision or of any other provision.

22. Contact Us

If you have questions about these Terms, please contact us: