Terms of Service

Last updated: Month Day, 2026

These Terms of Service (“Terms”) govern your use of ctfservices.com (the “Site”), operated by Connecticut Financial® LLC (“Connecticut Financial,” “we,” “us,” or “our”). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Eligibility

The Site is intended for individuals who are at least 18 years old and able to enter into a binding agreement. By using the Site, you represent that you meet these requirements.

2. Informational Purposes Only

The content on the Site is provided for general educational and informational purposes. It is not individualized investment, insurance, tax, legal, or accounting advice, and it is not an offer to sell or a solicitation to buy any security, insurance product, or other financial product. Any strategies discussed on the Site may not be suitable for your situation. Before acting on anything you read here, please consult a qualified professional who knows your circumstances.

3. No Client Relationship

Using the Site, submitting a contact form, or communicating with us through the Site does not create an advisory, brokerage, or client relationship. A client relationship is established only through a signed agreement and the account opening process.

4. Where Our Services Are Available

Securities and investment advisory services are offered only in states where the firm’s representatives are properly registered or licensed, and insurance products are offered only in states where the appropriate insurance licenses are held. Nothing on the Site is an offer or solicitation in any state or jurisdiction where it would be unlawful. Details are available on our Licensing page.

5. Permissible Use and Intellectual Property

The Site and its content, including text, graphics, logos, images, and page design, are owned by or licensed to Connecticut Financial and protected by copyright, trademark, and other intellectual property laws. Connecticut Financial® is a registered trademark. You may view, download, and print materials from the Site for your personal, non-commercial use, provided you keep all copyright and other proprietary notices intact. Any other use, including reproduction, modification, distribution, or republication, requires our prior written permission.

6. Prohibited Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Interfere with or disrupt the Site, its servers, or its security features
• Introduce viruses, malware, or other harmful code
• Use automated tools to scrape, harvest, or copy content or information from the Site
• Misrepresent your identity or affiliation in communications with us

7. Access and Security

We work to keep the Site available and secure, but we may suspend, restrict, or modify the Site at any time without notice. Transmissions over the internet are never completely secure, and you are responsible for maintaining the security of your own devices, browsers, and email accounts when you use the Site or communicate with us electronically.

8. Client Portal and Third-Party Platforms

The client portal linked from the Site, including the Unified Financial Command Center and the Personal Digital Lockbox, is operated on a third-party platform and is governed by its own terms, including the MML Investors Services, LLC Client Electronic Terms of Service presented within the portal. Those terms, not these Terms, govern your use of the portal.

9. Third-Party Websites

The Site may contain links to websites operated by others, provided for your convenience. A link does not mean we endorse the site or its content, and we are not responsible for the content, accuracy, or privacy practices of any third-party site. Your use of those sites is at your own risk and subject to their terms.

10. Accuracy of Information

We make reasonable efforts to keep the content on the Site current and accurate, but information can change and errors can occur. Content on the Site is provided “as is” and may be updated, corrected, or removed at any time without notice.

11. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, timely, secure, or free of errors, viruses, or other harmful components.

12. Limitation of Liability

To the fullest extent permitted by law, Connecticut Financial and its members, officers, employees, and representatives will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or relating to your use of or inability to use the Site, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Connecticut Financial and its members, officers, employees, and representatives from claims, damages, and expenses, including reasonable attorneys’ fees, arising out of your violation of these Terms or your misuse of the Site.

14. Governing Law

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict of law principles. Any dispute arising out of these Terms or your use of the Site will be brought in the state or federal courts located in Connecticut.

15. Changes to These Terms

We may revise these Terms from time to time. When we do, we will update the “Last updated” date above. Your continued use of the Site after changes are posted means you accept the revised Terms.

16. Contact Us

Questions about these Terms may be directed to:

• Email: info@ctfservices.com
• Phone: 203-281-1122
• Mail: Connecticut Financial, 2321 Whitney Avenue, Suite 402B, Hamden, CT 06518

Disclosures

Raymond J. Kubick CFP® is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC, Member SIPC (www.sipc.org), 330 Whitney Avenue, Suite 600, Holyoke, MA 01040, 413-539-2000. Connecticut Financial® LLC is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies.