Effective Date: July 2, 2025

Welcome to PandaWise Financial, LLC (“Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to comply with and be bound by the following terms and conditions. Please review them carefully. If you do not agree, do not use this website.

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1. Use of Website

This site provides general information about financial services offered by PandaWise Financial, LLC. It is intended for educational purposes only and does not constitute financial, tax, or legal advice. Always consult a qualified professional for personal guidance.

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2. Intellectual Property Rights

All content on this site—including but not limited to text, logos, illustrations (including the panda character), graphics, and branding—is the property of PandaWise Financial, LLC and may not be copied, distributed, or reused without prior written permission.

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3. No Guarantees

While we strive to provide valuable financial support, we cannot guarantee specific results such as tax refund amounts, budgeting outcomes, or financial success. Outcomes depend on individual circumstances and decisions.

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4. Limitation of Liability

Under no circumstances shall PandaWise Financial, LLC be held liable for any damages arising from your use of this website, including but not limited to direct, indirect, incidental, or consequential damages.

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5. Governing Law

These terms are governed by and interpreted according to the laws of the State of Texas. Any disputes will be handled exclusively in the courts of Texas.

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6. Modifications

We reserve the right to update or change these Terms at any time. Continued use of the website constitutes your acceptance of the new terms.

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Last Updated: July 2, 2025