Terms of Use

By accessing or using the website located at bighamwealthadvisory.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, do not use the Site. These Terms apply to all visitors, users, and anyone who accesses the Site in any capacity.

"Bigham Wealth Advisory," "BWA," "we," "us," and "our" refer to Bigham Wealth Advisory, LLC, a state-registered investment adviser (CRD# 310958) headquartered in Chattanooga, Tennessee.

The content on this Site is provided for general informational and educational purposes. It describes our firm, our methodology, and our perspective on wealth coordination. It is not a solicitation or offer to sell investment advisory services in any jurisdiction where we are not properly registered or exempt from registration.

Nothing on this Site should be construed as an offer, solicitation, or recommendation to buy, sell, or hold any security, insurance product, or financial instrument.

Visiting this Site, reading our articles, subscribing to our email, or submitting an inquiry through our intake form does not create an advisory relationship between you and Bigham Wealth Advisory. An advisory relationship is established only after you and BWA execute a written investment advisory agreement.

Until that agreement is signed, we owe you no fiduciary duty, and nothing on this Site should be interpreted as personalized advice directed to you or your situation.

The articles, examples, case studies, and commentary published on this Site are educational in nature. They describe general principles of wealth coordination, investment management, insurance planning, tax strategy, and estate planning. They do not constitute investment advice, tax advice, legal advice, or insurance advice.

Any financial figures, projections, or examples used on this Site are hypothetical illustrations. They do not represent the results of any specific client and are not guarantees of future performance. Your results will differ based on your individual circumstances.

You should consult your own qualified advisors before making any investment, insurance, tax, or legal decision.

We make reasonable efforts to ensure the information on this Site is accurate and current. However, we do not warrant that the content is complete, error-free, or up to date at all times. Market conditions, tax laws, regulations, and product features change. Information that was accurate at the time of publication may no longer reflect the current state of affairs.

We reserve the right to modify, update, or remove any content on this Site at any time without notice.

All content on this Site, including text, articles, graphics, images, logos, page layouts, and the selection and arrangement of content, is the property of Bigham Wealth Advisory, LLC or its content suppliers and is protected by United States and international copyright, trademark, and intellectual property laws.

The terms "Engineered Income," "The Four-Pillar Protocol," "The Coordination Gap," and "The Coordination Audit" are proprietary terms of Bigham Wealth Advisory, LLC. They may not be used by any third party without our prior written consent.

You may view and download content from this Site for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this Site without our written permission.

You may use this Site to learn about our firm, read our published writing, and submit a private client intake request. You may not:

• Use the Site for any unlawful purpose or in violation of any applicable law
• Attempt to gain unauthorized access to any portion of the Site, its servers, or any connected systems
• Use automated tools, bots, or scrapers to extract content or data from the Site
• Reproduce, republish, or redistribute our articles, methodology descriptions, or proprietary content without written permission
• Misrepresent your identity or affiliation when submitting an intake request or contacting us
• Use any content from this Site to imply an endorsement, affiliation, or relationship with BWA that does not exist

This Site may include forms that allow you to submit an intake request, subscribe to our email writing, or contact us directly. Information submitted through these forms is handled in accordance with our Privacy Policy.

Submitting information through this Site does not guarantee that we will accept you as a client. We review each request individually and will respond within two business days to confirm whether we are a good fit for your situation.

Please do not send sensitive personal financial information (account numbers, Social Security numbers, tax returns) through the contact forms on this Site. If we need that information, we will provide you with a secure method of transmission after an advisory relationship is established.

This Site may contain links to third-party websites, including regulatory databases (SEC IAPD, FINRA BrokerCheck), custodial platforms, and external educational resources. These links are provided for your convenience and verification purposes.

We do not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or availability of any third-party website. Accessing a third-party site through a link on this Site is at your own risk and subject to that site's own terms and policies.

This Site and all content, materials, and functionality are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, BWA disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We do not warrant that the Site will be available without interruption, that it will be free of errors or harmful components, or that any defects will be corrected.

To the fullest extent permitted by applicable law, Bigham Wealth Advisory, LLC, its members, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or any content on it.

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, and whether or not BWA has been advised of the possibility of such damages.

This limitation of liability does not apply to any liability that cannot be excluded or limited under applicable law.

You agree to indemnify and hold harmless Bigham Wealth Advisory, LLC, its members, officers, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of your use of this Site, your violation of these Terms, or your violation of any rights of a third party.

These Terms are governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of this Site shall be resolved exclusively in the state or federal courts located in Hamilton County, Tennessee.

By using this Site, you consent to the personal jurisdiction of those courts and waive any objection to venue in those courts.

We may revise these Terms at any time by updating this page. The "Last Updated" date at the top of this page reflects the most recent revision. Changes become effective immediately upon posting. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

We encourage you to review this page periodically. We will not send individual notice of changes to these Terms unless required by law.

If you have questions about these Terms or about the content on this Site, contact us directly.