Terms & Conditions

Binding Agreement

By accessing, browsing, or using the Crest Financial website located at crestfiin.com, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. These Terms constitute a legally binding agreement between you and Crestar Financial Corp, doing business as Crest Financial. If you do not agree with any part of these Terms, you must discontinue use of this website immediately. Your continued use of the site following any changes to these Terms constitutes acceptance of those changes.

Identity and Operator

This website is owned and operated by Crestar Financial Corp, doing business as Crest Financial, located at 919 E Main St, Richmond, Virginia, 23261, United States. References to "we," "us," "our," or "Crest Financial" throughout these Terms refer to Crestar Financial Corp.

Description of Services

Crest Financial provides independent financial research, market commentary, and educational content through our website, email newsletters, and SMS messaging program. All content published by Crest Financial is intended for informational and educational purposes only. Our content does not constitute investment advice, financial planning advice, tax guidance, legal advice, or any recommendation to buy, sell, or hold any security or financial instrument. You should consult a qualified professional before making any financial decisions.

Important Finance Disclaimer

No Investment Advice

Crest Financial is not a registered investment advisor, broker-dealer, or financial planner. Nothing on this website, in our newsletters, SMS messages, or any other communication from Crest Financial constitutes personalized investment advice or a recommendation to engage in any particular investment strategy. All research, commentary, and analysis provided by Crest Financial is general in nature and is not tailored to the specific circumstances, financial situation, or investment objectives of any individual. You are solely responsible for evaluating the merits and risks of any financial decision and should seek the counsel of a qualified, licensed professional before acting on any information provided by Crest Financial.

High Risk and Total Loss Warning

Financial markets are speculative in nature and involve substantial risk, including the risk of total loss of capital. The value of investments can fluctuate significantly, and past performance is not indicative of future results. You should never invest money that you cannot afford to lose. Crest Financial makes no representation that any account will or is likely to achieve gains or losses similar to those discussed in any of our materials. Any reference to specific market conditions, historical trends, or performance data is provided for illustrative and educational purposes only and should not be construed as a forecast, prediction, or assurance of future performance.

Forward-Looking Statements

Certain content published by Crest Financial may contain forward-looking statements that reflect our current analysis, opinions, or expectations regarding future market conditions, economic trends, or financial developments. These forward-looking statements are inherently uncertain, are based on assumptions that may prove incorrect, and are subject to risks and uncertainties that could cause actual outcomes to differ materially from those expressed or implied. Crest Financial undertakes no obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise. You should not place undue reliance on any forward-looking statements.

User Responsibilities

You agree to provide accurate and complete information when submitting forms on our website. You are responsible for maintaining the confidentiality of any account credentials and for all activities that occur under your account. You agree not to:

• Use our website or services for any unlawful purpose.
• Attempt to gain unauthorized access to our systems, networks, or data.
• Reproduce, distribute, or republish our proprietary research, content, or materials without prior written permission.
• Submit false, misleading, or fraudulent information through any form on our site.
• Interfere with or disrupt the integrity or performance of our website or services.
• Use automated systems, bots, or scripts to access or scrape our website content.

Intellectual Property

All content on this website, including text, graphics, logos, images, data compilations, research materials, and software, is the property of Crestar Financial Corp or its content suppliers and is protected by United States and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this site without our prior written consent.

SMS and Email Communications (TCPA Compliance)

By submitting your phone number and opting in through our website, you provide your prior express written consent to receive recurring automated marketing and informational messages from Crest Financial via SMS, MMS, and email, sent using an Automatic Telephone Dialing System (ATDS) or prerecorded/artificial voice technology, as permitted under the Telephone Consumer Protection Act (TCPA). Message frequency varies depending on market conditions and the availability of new content. Standard message and data rates from your mobile carrier may apply.

Your consent to receive SMS, MMS, or email communications is not a condition of purchasing any goods or services from Crest Financial.

To opt out of SMS messages at any time, reply with any of the following keywords: STOP, END, QUIT, UNSUBSCRIBE, or CANCEL. You will receive a one-time confirmation message, and no further SMS messages will be sent unless you re-subscribe. To opt out of email communications, click the unsubscribe link included in any email. For assistance, reply HELP to any SMS message or contact us through our website contact form.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

For complete details regarding our SMS messaging program, including supported carriers and program specifics, please refer to our SMS Terms.

Carrier Liability

Crest Financial, its service providers, and mobile carriers (including but not limited to T-Mobile) are not liable for delayed or undelivered messages. Carrier support and message delivery may vary based on your wireless carrier, device compatibility, network conditions, and geographic location. T-Mobile and all other wireless carriers are not liable for any delays, failures to deliver, or errors in the content of any SMS or MMS messages.

Privacy

Your use of our website and services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our website, you consent to the practices described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by applicable law, Crestar Financial Corp, its officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of or inability to use our website or services, any content or information obtained from our website, any errors, omissions, or inaccuracies in our content, or any unauthorized access to or use of our servers or personal information. This limitation applies regardless of the legal theory on which the claim is based, including contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

Disclaimer of Warranties

Our website, content, research, and all related services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We make no guarantees, representations, or warranties regarding the accuracy, reliability, completeness, currentness, or timeliness of any content, information, or research provided through our website or communications.

Indemnification

You agree to indemnify, defend, and hold harmless Crestar Financial Corp, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with your use of our website or services, your violation of these Terms, your violation of any applicable law or regulation, or your violation of any rights of a third party.

Arbitration and Class Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of our website or services shall be resolved exclusively through binding individual arbitration administered in accordance with the rules of the American Arbitration Association, and not through any court proceeding or class action. The arbitration shall take place in Richmond, Virginia, United States, and the arbitrator's decision shall be final and binding.

You agree that any dispute resolution proceedings will be conducted on an individual basis only, and not as part of any class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against Crestar Financial Corp. If any provision of this arbitration and class action waiver is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia and applicable federal laws of the United States, without regard to conflict of law provisions. To the extent that arbitration does not apply, any legal proceedings shall be subject to the exclusive jurisdiction of the state and federal courts located in Richmond, Virginia.

Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time without prior notice. Changes become effective immediately upon posting to this page. Your continued use of the website after any changes constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

Contact and Notices

If you have questions about these Terms & Conditions, please contact us through our website contact form, via our support portal contact form, or by writing to us at:

Crest Financial
Crestar Financial Corp
919 E Main St, Richmond, Virginia, 23261
United States
privacy@crestfiin.com

All legal notices to Crest Financial must be sent in writing to the mailing address above to be considered received.