**Effective Date:** March 25th 2026
These Terms and Conditions (“Terms”) govern your use of **https://safeturnadvisory.com/** and any related services provided by Safe Turn Advisory (“Safe Turn Advisory,” “we,” “us,” or “our”).
By accessing or using this website, you agree to these Terms. If you do not agree, do not use the website.
## 1. Website Use
You may use this website only for lawful purposes and in accordance with these Terms.
You agree not to:
1. Use the website in any way that violates applicable law
2. Attempt to gain unauthorized access to the website, servers, or systems
3. Interfere with the website’s operation or security
4. Use automated tools to scrape, copy, or extract site content without permission
5. Misrepresent your identity or submit false information
## 2. Informational Purpose Only
The content on this website is provided for general informational and marketing purposes only. It is not legal advice, tax advice, accounting advice, investment advice, or a guarantee of any outcome.
Your situation is unique. Any restructuring, negotiation, settlement, or financial strategy should be evaluated based on your specific facts and circumstances.
## 3. No Professional Relationship Created by Website Use
Use of this website, submission of a contact form, sending an email, or calling us does not by itself create:
1. An attorney client relationship
2. A fiduciary relationship
3. A financial advisory relationship
4. A client engagement
Any professional relationship will exist only if both parties enter into a separate written agreement.
## 4. No Guarantee of Results
We do not guarantee any specific outcome, including but not limited to:
1. Debt reduction
2. Settlement terms
3. Lender cooperation
4. Credit impact
5. Business recovery
6. Speed of resolution
Past results, examples, case references, or testimonials, if any, do not guarantee future results.
## 5. Eligibility
This website and our services are intended for adults and business representatives who are legally able to enter into binding agreements.
By using the website, you represent that you meet these requirements.
## 6. Intellectual Property
All website content, including text, branding, logos, graphics, layout, and other materials, is owned by or licensed to Safe Turn Advisory and is protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, republish, display, or exploit website content without our prior written permission.
## 7. User Submissions
If you submit information through the website or otherwise provide materials to us, you represent that:
1. The information is accurate to the best of your knowledge
2. You have the right to provide it
3. It does not violate any law or third party rights
You grant us the right to use submitted information as reasonably necessary to review your inquiry, communicate with you, and provide services, subject to our Privacy Policy.
## 8. Third Party Services and Links
The website may reference or link to third party services, websites, professionals, or resources. We do not control and are not responsible for third party content, availability, or practices.
Any dealings with third parties are solely between you and the third party unless otherwise stated in writing.
## 9. Disclaimer of Warranties
This website and its content are provided on an “as is” and “as available” basis.
To the fullest extent permitted by law, Safe Turn Advisory disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non infringement, and accuracy.
We do not warrant that:
1. The website will always be available
2. The website will be error free or secure
3. The content will always be complete, current, or accurate
4. Any defects will be corrected
## 10. Limitation of Liability
To the fullest extent permitted by law, Safe Turn Advisory and its owners, officers, employees, contractors, affiliates, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the website or reliance on its content.
Our total liability for any claim arising out of your use of the website shall not exceed the greater of:
1. The amount you paid us, if any, specifically for website related access, or
2. One hundred dollars ($100)
Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.
## 11. Indemnification
You agree to defend, indemnify, and hold harmless Safe Turn Advisory and its owners, officers, employees, contractors, affiliates, and agents from and against claims, liabilities, damages, losses, and expenses arising from:
1. Your use of the website
2. Your violation of these Terms
3. Your violation of any law or third party rights
4. Information you submit through the website
## 12. Electronic Communications
By contacting us through the website, email, or other electronic means, you consent to receive communications from us electronically, subject to applicable law.
## 13. Privacy
Your use of the website is also subject to our Privacy Policy, which is incorporated into these Terms by reference.
## 14. Changes to the Website or Terms
We may modify, suspend, or discontinue any part of the website at any time without notice.
We may also update these Terms at any time. Changes will become effective when posted on this page with the updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.
## 15. Governing Law
These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.
Any dispute arising out of or relating to these Terms or the website shall be brought in the state or federal courts located in New York, and you consent to that venue and jurisdiction.
## 16. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
## 17. Entire Agreement
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Safe Turn Advisory regarding website use, except for any separate written service agreement you may enter into with us.
## 18. Contact Information
If you have questions about these Terms, contact:
Safe Turn Advisory
68-09 Booth St 5T
Forest Hills NY 11375
legal@safeturnadvisory.com
(332) 227-0546
## 19. SMS Communications Disclosure
By providing your phone number and opting in, you consent to receive SMS (text) messages from SafeTurn Advisory. These messages may include communications related to your account, such as appointment confirmations, meeting reminders, and other service-related notifications.
Message Frequency:
Message frequency may vary. You can expect to receive approximately 1–2 messages per week.
Message & Data Rates:
Message and data rates may apply depending on your mobile carrier and plan.
Customer Support:
For assistance, text HELP or contact us directly at:
Peter@safeturnadvisory.com
332-227-0546
Opt-Out Instructions:
You can opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will no longer receive text messages unless you re-enroll.
Carrier Disclaimer:
Carriers are not liable for any delayed or undelivered messages.
Privacy Policy:
For more information on how we handle your data, please review our Privacy Policy:
https://safeturnadvisory.com/privacy-policy/