Effective Date: 05/01/2026
Welcome to the website of Fox Haven Financial (“Fox Haven,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, including any pages, educational materials, financial calculators, contact forms, scheduling features, resources, and related services made available through the website (collectively, the “Site”).
By accessing or using this Site, you agree to these Terms. If you do not agree with these Terms, please do not use the Site.
Fox Haven Financial currently serves individuals, families, and businesses in New York and may serve clients in other jurisdictions only where permitted by applicable licensing, registration, and professional requirements.
The Site is designed to provide general information about Fox Haven Financial and the types of financial topics we may help clients better understand, including:
Financial education and planning discussions;
Retirement planning education;
Wealth management topics;
Insurance options and protection planning;
Tax planning concepts and lawful tax strategy education;
Business financial organization and optimization topics;
Education planning topics;
General information regarding trusts, wills, and legacy planning; and
Financial calculators and illustrative planning tools.
The information on this Site is provided for general informational and educational purposes only. Website content is not intended to be a complete description of any service, product, insurance policy, investment, tax strategy, estate planning method, or financial recommendation.
Fox Haven Financial provides services only to the extent permitted by applicable law and only within the scope of the licenses, registrations, appointments, credentials, or professional relationships held by Fox Haven Financial and/or its individual professionals.
Complete this section before publishing:
Insurance Professional Disclosure: [Insert licensed individual/entity name, New York insurance license information, NPN if used publicly, lines of authority, and any required carrier or agency disclosure.]
Investment Advisory or Securities Disclosure: [Insert applicable registered investment adviser, investment adviser representative, broker-dealer, securities registration, CRD/IARD information, Form ADV disclosure, or state clearly that Fox Haven does not provide securities or investment advisory services.]
Tax Professional Disclosure: [Insert whether tax-related services are educational only or identify applicable CPA, enrolled agent, attorney, or tax preparation credentials.]
Principal Business Contact Information: [Insert business address, business telephone number, and business email address.]
Nothing on this Site represents that Fox Haven Financial or any individual associated with Fox Haven Financial is licensed, registered, appointed, or authorized to provide a particular regulated service unless that authorization is specifically identified in an official disclosure or written client agreement.
The Site may discuss topics such as money management, retirement, taxes, insurance, business finances, investment concepts, education planning, and wealth management. However, reading this Site, submitting a contact form, using a calculator, scheduling an introductory discussion, or communicating through the Site does not create a financial planning, investment advisory, insurance brokerage, tax advisory, accounting, legal, fiduciary, or other professional relationship.
Individualized advice or recommendations, where legally permitted, are provided only after appropriate information has been collected, applicable licensing or registration requirements have been satisfied, and the parties have entered into any required written agreements or disclosures.
Your financial circumstances are unique. You should not make financial, insurance, investment, retirement, tax, estate, or business decisions based solely on general website content.
The Site may include educational information regarding wealth management, retirement planning, individual retirement accounts, investment considerations, savings strategies, liquidity, risk management, or long-term financial goals.
Unless specifically stated in a written agreement and supported by the required licensing or registration, Site content does not constitute:
Investment advice;
A recommendation to purchase, sell, hold, or exchange a security or financial product;
A recommendation regarding an IRA, retirement account, rollover, annuity, securities account, or investment strategy;
A solicitation or offer to buy or sell securities; or
A promise of investment performance, financial growth, preservation of principal, income, profit, or future results.
All investments and market-based products involve risk, including possible loss of principal. Past performance, illustrations, projections, examples, and hypothetical outcomes do not guarantee future results.
The phrase “wealth management” on this Site refers generally to discussions about organizing, evaluating, protecting, and planning financial resources. It should not be interpreted as a promise that Fox Haven Financial will increase, grow, preserve, or guarantee your wealth.
The Site may provide general information regarding insurance products, including life insurance, protection planning, term life insurance, whole life insurance, or related coverage considerations.
Insurance information on the Site is general in nature and does not constitute a binder of coverage, an insurance contract, a guaranteed quote, or a determination that any specific policy or product is appropriate for you.
Insurance availability, eligibility, premiums, benefits, exclusions, underwriting requirements, policy terms, carrier approvals, and product features may vary based on your state, health, age, financial circumstances, carrier requirements, and applicable law.
Coverage is effective only when approved and issued by the applicable insurance carrier in accordance with the carrier’s terms, conditions, underwriting procedures, and required premium payment.
Fox Haven Financial will discuss or offer insurance products only where properly licensed and authorized to do so.
The Site may discuss lawful tax planning concepts, tax efficiency, business financial organization, or general methods individuals and businesses may explore with appropriate professionals.
Unless expressly stated in a separate written engagement agreement, tax-related content on this Site is educational only and is not tax preparation, tax filing, representation before the Internal Revenue Service, legal advice, accounting advice, or individualized written tax advice.
Tax laws and regulations are complex and may change. The tax consequences of any financial decision depend on your individual circumstances. You should consult a qualified tax professional, such as a certified public accountant, enrolled agent, or tax attorney, before implementing a tax strategy or relying on tax-related information.
Fox Haven Financial does not guarantee that any tax planning discussion will reduce your taxes, eliminate fees, avoid penalties, result in a refund, or be accepted by any taxing authority.
The Site may provide general educational information regarding trusts, wills, beneficiaries, legacy planning, asset transfer considerations, or related planning topics.
Fox Haven Financial is not acting as your attorney through this Site, and website content is not legal advice. Fox Haven Financial does not prepare, revise, interpret, or guarantee the legal effectiveness of wills, trusts, powers of attorney, beneficiary designations, business succession documents, or other legal instruments unless such services are separately provided by an appropriately licensed attorney under a separate engagement.
You should consult a qualified estate planning attorney before making decisions regarding trusts, wills, beneficiaries, ownership transfers, or estate planning documents.
The Site may discuss business financial organization, payroll considerations, bookkeeping coordination, expense review, operational efficiency, or other business management topics.
Such information is general and educational unless otherwise established through a separate written agreement. It is not a substitute for professional accounting, payroll, legal, employment, banking, compliance, or business consulting advice.
Business owners remain responsible for their own financial records, payroll compliance, tax filings, contracts, employment obligations, regulatory compliance, and business decisions.
The Site may include retirement calculators, savings calculators, insurance illustrations, financial examples, planning worksheets, or similar tools.
These tools are provided for educational and illustrative purposes only. Results may be based on assumptions entered by you or assumptions built into the tool, such as rates of return, savings contributions, retirement age, inflation, taxes, fees, market performance, insurance costs, or other variables.
Calculator results are not guarantees, forecasts, promises, account values, insurance illustrations, investment recommendations, or financial advice. Actual results may be materially different due to market performance, fees, taxes, withdrawals, insurance costs, changes in income, personal circumstances, regulatory changes, and other factors.
You should not rely exclusively on a calculator or illustration when making financial decisions.
Fox Haven Financial seeks to provide professional, thoughtful, and educational service. However, we do not guarantee any particular financial outcome.
Without limitation, Fox Haven Financial does not guarantee:
Investment performance or account growth;
Retirement readiness or future financial security;
Tax savings, tax refunds, reduced tax liability, or avoidance of penalties;
Insurance approval, policy issuance, coverage eligibility, premiums, or claim payment;
Business savings, business profitability, increased income, or reduced expenses;
Estate planning results; or
Any specific financial, legal, tax, insurance, or business outcome.
Financial decisions involve risk, uncertainty, and individual circumstances. Any decision you make remains your responsibility unless otherwise required by applicable law.
The Site may allow you to request information, submit a contact form, schedule a conversation, or otherwise communicate with Fox Haven Financial.
An introductory call, appointment request, contact form submission, email, or general conversation does not create a client relationship, professional engagement, fiduciary relationship, insurance coverage, advisory agreement, or obligation to provide services.
Do not send confidential, sensitive, or personally identifying financial information through general website forms or ordinary email unless specifically instructed to use a secure method. This includes Social Security numbers, tax documents, insurance account information, bank account information, investment account credentials, passwords, or other private financial information.
Fox Haven Financial may choose whether to accept a potential client or engagement, subject to applicable legal and professional requirements.
Fox Haven Financial currently operates in New York. Financial, insurance, investment, tax, and related services may be subject to state-specific laws, licensing requirements, registration rules, appointments, carrier requirements, and professional restrictions.
The Site is not intended to solicit regulated services in any jurisdiction where Fox Haven Financial or the applicable professional is not properly authorized to provide those services.
If Fox Haven Financial changes its principal office location, service area, licensing status, or registrations, these Terms and related website disclosures may be updated accordingly.
Fox Haven Financial may discuss or provide links to third-party websites, insurance carriers, investment custodians, financial institutions, tax resources, scheduling tools, educational resources, social media platforms, or other outside providers.
Third-party websites, products, policies, services, privacy practices, and content are controlled by those third parties, not Fox Haven Financial. A link or reference does not automatically constitute an endorsement, guarantee, partnership, or recommendation.
You are responsible for reviewing the terms, disclosures, privacy practices, fees, risks, and contractual documents associated with any third-party product or provider.
Depending on the services provided and only where legally permitted, Fox Haven Financial or an associated licensed professional may receive compensation through fees, commissions, insurance carrier compensation, referral arrangements, advisory fees, or other disclosed compensation methods.
Any required compensation disclosures, conflicts of interest, product disclosures, insurance disclosures, advisory brochures, client agreements, or regulatory documents will be provided when applicable to the service being offered.
You should review all applicable disclosures before purchasing a product, opening an account, entering into an advisory relationship, or engaging services.
The content of this Site, including text, branding, graphics, layouts, images, educational content, downloads, logos, page design, and original materials, is owned by or licensed to Fox Haven Financial unless otherwise stated.
You may view, download, or print reasonable portions of the Site for your personal, non-commercial use. You may not reproduce, republish, distribute, sell, modify, scrape, copy, impersonate, or commercially exploit Site content without prior written permission.
You agree not to use the Site to:
Submit false, misleading, fraudulent, or unlawful information;
Attempt to access restricted systems or interfere with Site security;
Upload malicious software or harmful code;
Impersonate another individual or business;
Collect or misuse information from the Site;
Misrepresent your relationship with Fox Haven Financial; or
Violate any applicable law or regulation.
We may restrict or terminate access to the Site if we believe it is being used improperly or unlawfully.
Fox Haven Financial attempts to maintain accurate and useful website information. However, financial regulations, tax laws, insurance products, carrier offerings, planning assumptions, service availability, and website content may change over time.
We do not warrant that the Site will always be complete, current, uninterrupted, secure, error-free, or appropriate for every user.
We may update, modify, remove, suspend, or discontinue any part of the Site at any time without prior notice.
To the fullest extent permitted by law, the Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.
Fox Haven Financial disclaims warranties regarding accuracy, completeness, reliability, availability, merchantability, fitness for a particular purpose, non-infringement, security, or financial suitability.
Nothing in these Terms limits any responsibility, professional duty, regulatory obligation, or consumer right that cannot legally be waived.
To the fullest extent permitted by applicable law, Fox Haven Financial and its owners, employees, representatives, affiliates, service providers, and contractors will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising out of your use of, inability to use, or reliance upon the Site or general Site content.
This includes, without limitation, alleged losses relating to financial decisions, investment performance, taxes, insurance coverage, business decisions, retirement planning, lost profits, lost data, or reliance upon calculators or educational materials.
This limitation does not apply to obligations or liability that cannot be limited under applicable law, including any duties imposed by insurance, securities, tax, professional, or consumer protection laws where applicable.
To the extent permitted by law, you agree to indemnify and hold harmless Fox Haven Financial and its representatives from claims, damages, liabilities, losses, costs, and expenses arising from your unlawful misuse of the Site, violation of these Terms, infringement of another party’s rights, or submission of false or misleading information.
Your use of the Site is also subject to the Fox Haven Financial Privacy Policy, which should describe how information submitted through the Site is collected, used, stored, and protected.
A Privacy Policy is separate from these Terms and should be reviewed before submitting personal information through the Site.
These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles, while Fox Haven Financial maintains its principal business operations in New York.
Any dispute relating solely to the use of this Site shall be brought in a court of competent jurisdiction located in New York, unless applicable law requires otherwise or the parties agree otherwise in writing.
If Fox Haven Financial relocates its principal business operations or updates its governing-law provisions, revised Terms may be posted on the Site.
Fox Haven Financial may revise these Terms from time to time to reflect changes in the Site, services, business location, regulatory requirements, or business practices.
The updated Terms will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after updated Terms are posted constitutes acceptance of the revised Terms.
Questions about these Terms may be directed to:
Fox Haven Financial
Phone: (845) 204-8006
Email: info@foxhavenfinancial.com
Website: foxhavenfinancial.com
Financial, insurance, retirement, tax, investment, business, and estate planning decisions can have significant long-term consequences. Website content should be used as a starting point for education and discussion, not as a substitute for individualized guidance from properly licensed or qualified professionals.
Fox Haven Financial encourages every visitor to carefully review applicable disclosures, ask questions, understand costs and risks, and make informed decisions based on their individual circumstances.
