Terms of Service

By accessing or using the Gulf Pacific Financial Services website, submitting a contact form, or enrolling in any of our communications programs, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use our website or submit your information through our forms.

These Terms apply to all visitors, users, and anyone who interacts with Gulf Pacific Financial Services, LLC ("Gulf Pacific Financial," "we," "our," or "us") through our website, email, or SMS communications.

Content on this website is provided for general informational purposes only and does not constitute personalized financial, investment, legal, or tax advice. Nothing on this site should be construed as an offer to sell or a solicitation of an offer to buy any securities or financial products.

Gulf Pacific Financial Services advisors are available to discuss your individual circumstances. Any financial planning or investment advisory services provided by Gulf Pacific Financial are governed by a separate written advisory agreement.

Program Description

Gulf Pacific Financial Services operates an SMS communications program to respond to client and prospect inquiries, send appointment reminders, and deliver relevant financial updates to individuals who have opted in to receive text messages.

How to Opt In

You may enroll in our SMS program by checking the SMS consent box on our contact form and submitting your information. By opting in, you expressly consent to receive text messages from Gulf Pacific Financial Services at the mobile number you provide. You confirm that you are the account holder or have the account holder's permission to opt in.

Message Types

Messages may include: responses to your inquiry or service request, appointment confirmations and reminders, follow-up communications from your advisor, and periodic relevant financial updates or tips.

Message Frequency

Message frequency varies. You will only receive messages when they are directly relevant to your relationship with Gulf Pacific Financial Services. We do not engage in high-volume automated marketing text blasts.

Message & Data Rates

Message and data rates may apply. Charges are billed by your mobile carrier according to your plan. Gulf Pacific Financial Services does not charge separately for text messages.

How to Opt Out

You may opt out of SMS communications at any time by replying STOP to any text message you receive from us. You will receive a single confirmation message acknowledging your opt-out. After opting out, you will no longer receive marketing or update texts, though we may still contact you by phone or email regarding an existing service relationship unless you also opt out of those channels.

How to Get Help

For assistance with our SMS program, reply HELP to any message, call us at (850) 683-3240, or email info@gulfpacificfinancial.com.

Supported Carriers

Our SMS service is available on all major U.S. mobile carriers. Carrier support may vary. Gulf Pacific Financial Services is not responsible for delays or failures in SMS delivery caused by your carrier.

SMS Provider

Our text messaging service is powered by RingCentral. By consenting to SMS communications, you acknowledge that message delivery is handled by RingCentral and that your phone number may be processed by them for the purpose of delivering your messages. RingCentral's use of your data is governed by their own terms and privacy policy.

Prohibited Uses

You may not use the Gulf Pacific Financial SMS program to send unsolicited communications, engage in harassment, or violate any applicable law. Gulf Pacific Financial reserves the right to remove any individual from our SMS list at our sole discretion.

Program Description

Gulf Pacific Financial Services sends email communications including direct responses to inquiries, newsletters, financial tips, market updates, and other relevant content to individuals who have opted in to receive such messages.

How to Opt In

You may subscribe to our email communications by checking the email consent box on our contact form. By opting in, you consent to receive email from Gulf Pacific Financial Services at the email address you provide.

Transactional vs. Marketing Emails

Transactional emails — including direct responses to your submitted inquiry, appointment confirmations, and service-related communications — may be sent regardless of marketing email consent. Marketing and newsletter emails are only sent to individuals who have expressly opted in.

CAN-SPAM Compliance

All marketing emails from Gulf Pacific Financial Services comply with the CAN-SPAM Act. Each email will include a clear identification of the sender, a valid physical mailing address, and an easy opt-out mechanism.

How to Opt Out

You may unsubscribe from marketing emails at any time by clicking the 'Unsubscribe' link included in the footer of every marketing email, or by emailing info@gulfpacificfinancial.com with 'Unsubscribe' in the subject line. Please allow up to 10 business days for your request to take effect. Unsubscribing does not affect transactional communications related to an active service relationship.

All content on this website — including text, graphics, logos, images, and software — is the property of Gulf Pacific Financial Services, LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this site without our express written permission.

Website Content

This website is provided on an 'as is' and 'as available' basis. Gulf Pacific Financial Services makes no warranties, express or implied, regarding the accuracy, completeness, or availability of the information on this site.

Limitation of Liability

To the fullest extent permitted by law, Gulf Pacific Financial Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website, our communications programs, or the information contained herein.

Our website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those sites or their content. Gulf Pacific Financial Services has no control over, and assumes no responsibility for, the content, privacy policies, or practices of third-party websites.

These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Santa Rosa County, Florida.

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective upon posting to this page with an updated 'Last Updated' date. Your continued use of our website or communications programs after any changes are posted constitutes your acceptance of the revised terms. We encourage you to review these terms periodically.

If you have questions about these Terms of Service, please contact us: