Terms of Use

These terms and conditions of use (these Terms of Use) apply to your use of this website (the “Site”). The terms “we”, “our” or “us” means The Journey Financial Group and its Strategic Partners, and their officers, directors, managing directors, partners, and employees.

Please read these Terms of Use and and our privacy policy (the “Privacy Policy”) carefully before you start to use the Site. Your use of the Site is subject to these Terms of Use and the Privacy Policy.  If you do not agree with our Terms of Use or Privacy Policy, you should not use the Site.  By accessing or using the Site, you accept and agree to be bound by and comply with these Terms of Use and the Privacy Policy.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time.  Please review these Terms of Use periodically for revisions and updates.  All changes to these Terms of Use are effective immediately when we post the revised Terms of Use on the Site.  Your continued use of the Site after we post revised Terms of Use is deemed to be acceptance of the changes.

Accessing the Site and Account Security.

We reserve the right to remove or change the Site, and any service or material we provide on the Site, in our sole discretion without notice.  The Journey Financial Group is not liable for any unavailability of all or part of the Site at any time or for any period.  From time to time, we may restrict access to some parts of the Site, or the entire Site.

In using the Site, you are responsible for making all arrangements necessary, including with third-party internet service providers, to access the Site.  You are responsible for ensuring that all persons who access the Site via your internet connection are aware of these Terms of Use and comply with them.

To access portions of the Site and/or some of the resources it offers, you may be asked to provide registration information. It is a condition of your use of the Site that all the information you provide on the Site is correct, current and complete. You agree that all registration information you provide on this Site or otherwise is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures (collectively, “Login Credentials”), you must treat such information as confidential, and you must not disclose it to any other person or entity. You acknowledge that your account is personal to you and agree not to provide any other person with access to this Site or portions of it using your Login Credentials. You agree to notify us immediately of any unauthorized access to or use of your Login Credentials or any other breach of security.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms of Use.

Content and Information Made Available Through this Site

The Site and all content and information, including all trademarks, logos, copyrights and other intellectual property therein, displayed on the Site (collectively, “Information”) is owned by The Journey Financial Group, its licensors and/or other third-party information providers, and is protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.  Unless expressly permitted by us in writing, you are only permitted to view, bookmark and print the Information for your own nonpublic and noncommercial use. You are not permitted to copy, publish, transmit, or otherwise reproduce the Information, in whole or in part, in any format to any third party without the express written consent of The Journey Financial Group. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the Information. The Journey Financial Group reserves the right, at any time in our sole discretion to add, modify, or remove any of the Information. These Terms of Use are not intended to, and will not, transfer or grant any rights in or to the Information other than those that are specifically described herein, and all rights not expressly granted herein are reserved by The Journey Financial Group or the third-party providers from whom The Journey Financial Group has obtained the Information. You are required to read and abide by any additional Terms of Use that may be posted on this service from time to time concerning Information obtained from specific third-party providers. Such third-party providers shall have no liability to you for monetary damages on account of the Information provided to you via this Site.

Prohibited Uses

You may use the Site only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Site in violation of any applicable federal, state, local or international law or regulation (including any laws regarding the export of data or software to and from the US or other countries).  Additionally, you agree not to:

  • Use the Site in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Site, including their ability to engage in real time activities through the Site.

  • Use any robot, spider or other automatic device, process or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.

  • Use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent.

  • Use any device, software or routine that interferes with the proper working of the Site.

  • Introduce any viruses, trojan horses, worms, logic bombs or other material that is malicious or technologically harmful.

  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site.

  • Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.


Otherwise attempt to interfere with the proper working of the Site.

No Warranties Made as to Content and Security; No Responsibility to Update

The Journey Financial Group makes no warranty, express or implied, concerning the site, the information or our services. The site and the information provided by us, our affiliates and our third-party providers is provided on an “as is” and “as available” basis at your sole risk.

The Journey Financial Group expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use of the information with respect to its correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability. Without limiting the foregoing, The Journey Financial Group does not represent or warrant that the site, its content or any items obtained through the site will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that the site or the server that makes it available are free of viruses or other harmful components or that the site or any items obtained through the site will otherwise meet your needs or expectations.  The Journey Financial Group makes no warranty whatsoever to you, express or implied, regarding the security of the site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this site.

The Journey Financial Group does not guarantee or warrant that files available for downloading from the site will be free of viruses or other destructive code.  You are responsible for implementing sufficient procedures to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for making and maintaining backups of all information and data submitted to the site.  We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the site or any items obtained through the site or on any website linked to it.

Neither The Journey Financial Group nor any of its third party providers shall have any responsibility to maintain the information made available on the site to supply any corrections, updates, or releases in connection therewith.  Availability of the site and the information is subject to change without notice.

The content on this website is for informational purposes only and should not be used to make any financial decisions. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult a financial advisor, an attorney or tax professional regarding your specific financial, legal or tax situation. 

No Liability for Content; No Liability Arising from Use

The Journey Financial Group shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this site, or for any interruption or disruption of such access or any erroneous communication between The Journey Financial Group and you, regardless of whether the connection or communication service is provided by The Journey Financial Group or a third party service provider.  In no event will The Journey Financial Group be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced in connection with use of the site or the information made available on the site, even if The Journey Financial Group has been advised of the possibility of such damages.

User Comments, Feedback, and Other Submissions

The Journey Financial Group is pleased to hear from users and welcomes your comments regarding our classes and services. If, at our request, you send certain specific submissions or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, “Comments”), you agree that The Journey Financial Group may, at any time, without restriction, edit, copy, publish, distribute, translate, and otherwise use in any medium any Comments that you forward to The Journey Financial Group. The Journey Financial Group is and shall be under no obligation (1) to maintain any Comments in confidence; (2) to pay compensation for any Comments; or (3) to respond to any Comments. The Journey Financial Group has the right but not the obligation to monitor and edit or remove any Comments.

You agree that your Comments will not violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right. You further agree that your Comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Site. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead The Journey Financial Group or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. The Journey Financial Group takes no responsibility and assumes no liability for any Comments posted by your or any third party.

Personal Information Submitted Through the Site

Your submission of personal information through the Site is governed by our privacy policy, which can be reached by clicking on the “Privacy Policy” link located in the footer section of the Site (the “Privacy Policy”). This Agreement incorporates by reference the terms and conditions of the Privacy Policy.

No Representations Made as to Other Sites or Links

The Site may provide links to certain Internet sites (the “Linked Sites”) sponsored and maintained by third parties. The Journey Financial Group is providing such links solely as a convenience to you. Accordingly, The Journey Financial Group makes no representations concerning the content of the linked sites. The fact that The Journey Financial Group has provided a link to the Linked Site does not constitute an endorsement, authorization, sponsorship, or affiliation by The Journey Financial Group with respect to the Linked Site, its owners, or its providers. The Journey Financial Group has no control over such Linked Sites and claims no responsibility with respect to such Linked Sites.


You agree to defend, indemnify and hold harmless The Journey Financial Group, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns against any losses, damages, claims, liabilities and costs (including reasonable attorneys’ fees) to the extent resulting from or arising out of any unauthorized or otherwise inappropriate use of the Site, including providing data or information to the Site, that is attributable to you, in whole or part.


We reserve the right to terminate your rights to use the Site at any time and for any reason, without notice to you.

Governing Law and Forum

All matters relating to the Site and these Terms of Use and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Colorado without reference to its choice or conflict of law rules.

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Colorado. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Waiver and Severability

No waiver by The Journey Financial Group of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of The Journey Financial Group to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and The Journey Financial Group and its affiliates with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site.

Construction and Interpretation

The section headings in these Terms of Use are for reference only and shall not affect the meaning or interpretation of the Terms of Use.  Unless the context requires otherwise: (i) words of any gender include the other gender; (ii) words using the singular or plural number also include the plural or singular number; (iii) the words “include,” “includes,” and “including” shall be deemed to be followed by the phrase “without limitation.”

Copyright Complaints

The Journey Financial Group respects the intellectual property of others. If you believe that your work has been copied in any way that constitutes copyright infringement, please to contact The Journey Financial Group, 6343 W 120th Ave. Broomfield, CO 80020.


Last updated 5/23/2018

All written and video content is for informational purposes only.  It is not intended to provide any tax or legal advice or provide the basis of any financial decisions.  Opinions expressed herein are solely those of Journey Financial Group, and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser or a qualified professional before making any financial decisions.  We are not affiliated with our endorsed by any government agency.

Investing involves risk including the potential loss of principal.

Advisory services are offered by Journey Investments, LLC DBA The Journey Financial Group a Registered Investment Advisor in the State of CO. Insurance products and services are offered through Journey Insurance, LLC. The Journey Financial Group and Journey Insurance, LLC are affiliated companies. The Journey Financial Group and Journey Insurance, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency. Sellstate ACE Realty, American Family Insurance, Synergy One Lending, Lizknowsmedicare, and Budget Balance are not affiliated companies. The content on this website is for informational purposes only and should not be used to make any financial decisions. Exclusive rights to this material belongs to GPS. Unauthorized use of the material is prohibited. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell insurance or investment advisory services to any residents of any State. Information provided is specific to the State of CO. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as legal or tax advice. You should always consult an attorney or tax professional regarding your specific legal or tax situation. The Journey Financial Group is not engaged in the practice of law  or tax preperation. Hyperlinks on this website are provided as a convenience. We cannot be held responsible for information, services or products found on websites linked to ours.


Exclusive rights to this material belongs to The Journey Financial Group and GPS. Unauthorized use of the material is prohibited.

© Copyright 2018 The Journey Financial Group. All rights reserved.