Last updated: November 6, 2025

Welcome to the HFG Trust website at hfgtrust.com, including any related pages or content that link to these Terms of Use. By accessing or using this website, you agree to these Terms of Use, plus any additional terms incorporated by reference, including our Privacy Policy. If you do not agree, do not use the site.

1. Who we are and how these terms work

“HFG Trust,” “we,” and “our” refer to HFG Trust and, where applicable, its affiliates. These Terms form a binding agreement between you and HFG Trust. We may update these Terms at any time by posting a revised version on this page. Changes apply when posted. Your continued use of the site means you accept the updated Terms.

2. Eligibility and location

This site is intended for users located in the United States who are at least 18 years old. You are responsible for compliance with local laws if you access the site from outside the United States.

3. Informational content, not advice

Content on this site is provided for general, educational, and informational purposes only. Nothing on the site is an offer to sell or a solicitation to buy any security or financial instrument. Nothing on the site is personalized investment, tax, accounting, or legal advice. You should consult your own professional advisors for advice tailored to your situation.

4. No client relationship from website use

Viewing or using this site does not create a client, advisory, fiduciary, or professional relationship with HFG Trust. Any such relationship begins only after you and HFG Trust execute a written agreement that expressly states the engagement terms.

5. Accounts and secure areas

If you create an account or access secure areas, you agree to provide accurate information, keep your credentials confidential, and promptly notify us of any unauthorized use. You are responsible for activity that occurs under your credentials.

6. Privacy and cookies

Your use of the site is also governed by our Privacy Policy, which explains how we collect, use, and share information. We may use cookies and similar technologies to operate and improve the site. By using the site, you consent to these practices as described in the Privacy Policy.

7. Intellectual property

The site and all content on it, including text, graphics, logos, images, videos, software, and compilations, are owned by HFG Trust or our licensors and are protected by copyright, trademark, and other laws. All rights not expressly granted are reserved.

Limited license

We grant you a limited, revocable, nonexclusive, nontransferable license to access and make personal, noncommercial use of the site in accordance with these Terms.

Restrictions

You may not:

• Copy, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or sell any content, except as permitted by law or with our prior written consent.
• Use data mining, scraping, robots, or similar data gathering or extraction methods.
• Attempt to reverse engineer, interfere with, or disrupt the site or its security.

8. User submissions and feedback

If you send us feedback, ideas, or other submissions, you grant HFG Trust a nonexclusive, transferable, sublicensable, worldwide, royalty-free license to use, reproduce, modify, and display that material for any lawful purpose without compensation to you. Do not submit confidential or proprietary information through the site.

9. Third-party content and links

The site may reference or link to third-party websites, tools, market data, calculators, or content. These are provided for convenience and do not constitute endorsement. We are not responsible for third-party sites or their content, policies, or practices, and your use of them is at your own risk.

10. Market data and performance information

Any market data or performance information on the site is believed to be from sources we consider reliable, however it may be incomplete or inaccurate, and it may change without notice. Past performance does not guarantee future results. Investments involve risk, including possible loss of principal.

11. No warranties

The site and all content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, HFG Trust disclaims all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, quiet enjoyment, noninfringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the site will be error-free, uninterrupted, secure, or free of viruses or harmful components.

12. Limitation of liability

To the fullest extent permitted by law, HFG Trust and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or related to your use of the site, even if we have been advised of the possibility of such damages. Our total liability for any claim related to the site will not exceed one hundred U.S. dollars.

Some jurisdictions do not allow limitations of liability for certain damages, so parts of this section may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless HFG Trust and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the site, your violation of these Terms, or your violation of any rights of a third party.

14. Prohibited conduct

You agree not to:

• Use the site for any unlawful purpose.
• Impersonate any person or entity, or misrepresent your affiliation.
• Upload or transmit viruses, malware, or harmful code.
• Interfere with or disrupt the site’s operation or security.
• Attempt to gain unauthorized access to the site, accounts, or systems.
• Violate intellectual property or privacy rights.

15. Mobile features and communications

If you provide a phone number or email address, you consent to receiving communications related to your inquiries or account. Message and data rates may apply. You may opt out according to the instructions in the communication.

16. Accessibility

We aim to provide a site that is accessible and useful to all visitors. If you experience difficulty using the site, contact us using the information provided on the site and we will try to help.

17. International use and export controls

You are responsible for compliance with U.S. export controls and sanctions, as well as the laws of your local jurisdiction. Do not use the site if doing so would violate applicable law.

18. Termination

We may suspend or terminate your access to the site at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, and indemnification.

19. Governing law, venue, and dispute resolution

These Terms are governed by the laws of the State of Washington, without regard to its conflict of law principles. You agree to the exclusive jurisdiction and venue of the state and federal courts located in Washington for any dispute arising out of or relating to these Terms or the site, except where arbitration is required by a separate agreement.

At our election, disputes may be resolved through binding arbitration on an individual basis under the rules of a recognized arbitration provider. If arbitration applies, you waive any right to participate in a class or representative action or proceeding.

20. Forward-looking statements

Statements on the site that are not historical facts may be forward-looking. Actual results could differ materially due to various risks and uncertainties. We undertake no obligation to update any forward-looking statements.

21. Notice of alleged infringement

If you believe content on the site infringes your intellectual property rights, contact us with a written notice that includes: your contact information, a description of the work you believe is infringed, a description of the content you believe is infringing, a statement of good-faith belief that use is not authorized, and a statement made under penalty of perjury that your notice is accurate and that you are authorized to act. We may remove content in our discretion.

22. Children’s privacy

This site is not directed to children under 13. We do not knowingly collect personal information from children under 13 through the site.

23. Entire agreement

These Terms, together with the Privacy Policy and any service-specific agreements you sign with us, are the entire agreement between you and HFG Trust regarding your use of the site and supersede prior or contemporaneous communications.

24. Severability and waiver

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce a provision is not a waiver of our right to do so later.

25. Contact us

Questions about these Terms or the site can be sent using the contact information provided on the Contact page of the site. If your question involves your account or confidential information, do not include sensitive details in unencrypted email.