Terms of Service

1. Acceptance of Terms

By accessing or using the Murphy Capital Investments website (murphy-capital-investments.com) and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

Murphy Capital Investments provides financial advisory and wealth management services, including investment advisory, retirement planning, estate planning, tax strategy, risk management, and comprehensive financial planning. Services are provided by Robert Murphy and qualified associates in accordance with applicable state and federal regulations.

3. No Investment Advice Disclaimer

The content on this website is provided for informational purposes only and does not constitute investment advice, financial advice, trading advice, or any other form of professional advice. Nothing on this website should be construed as a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments. You should consult with a qualified financial professional before making any investment decisions.

4. Investment Risks

Investing involves risk, including the potential loss of principal. Past performance does not guarantee or indicate future results. The value of investments may fluctuate, and investors may receive back less than they originally invested. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will be profitable.

5. SMS/Text Messaging Terms

By opting in to receive text messages from Murphy Capital Investments:

• You consent to receive text messages related to your inquiry, appointment reminders, and service-related communications.
• Message and data rates may apply depending on your mobile carrier and plan.
• Message frequency varies based on your engagement with our services.
• You may opt out at any time by replying STOP to any message.
• For assistance, reply HELP or email robert@murphy-capital-investments.com.
• We do not share your opt-in data or phone numbers with third parties for their marketing purposes.
• Carrier participation and availability may vary. Carriers are not liable for delayed or undelivered messages.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Murphy Capital Investments or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. User Conduct

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our website
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity

8. Limitation of Liability

To the fullest extent permitted by law, Murphy Capital Investments shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability to you for any claim arising from these terms shall not exceed the fees you have paid to us in the twelve (12) months preceding the claim.

9. Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Murphy Capital Investments. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party websites you visit.

10. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of South Carolina, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in South Carolina.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of our website after any changes constitutes acceptance of the revised terms. We encourage you to review these terms periodically.

12. Contact Information

For questions about these Terms of Service, please contact us: