Arizona Fee Only

Legal

Terms of Service

Effective May 7, 2026

Plain-English summary. Arizona Fee Only is an advisor directory. We connect consumers with listed advisors. We do not give financial advice, do not act as a fiduciary to consumers, and do not receive referral fees from advisors. By using the Site you agree to these terms.

1. Acceptance of these terms

These Terms of Service ("Terms") govern your use of arizonafeeonly.org (the "Site") and any related services offered by Arizona Fee Only ("we," "us"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

2. What Arizona Fee Only is and isn't

Arizona Fee Only is an online directory connecting consumers with independently operated, fee-only fiduciary financial advisors. We are not a financial advisor, broker-dealer, or registered investment advisor, and we do not provide personalized financial, investment, tax, or legal advice. Listing or descriptive content about advisors on the Site is not a recommendation by us; it is information provided by the advisor and verified for fee-only and fiduciary status before listing.

See how we verify advisors for details.

3. Founder disclosure

Arizona Fee Only is founded by Raman Singh, CFP®, EA, who also operates Singh PWM LLC — a fee-only fiduciary advisory firm in Arizona. Raman is listed transparently as a featured advisor in the directory. The directory does not promote Singh PWM over other listed advisors; advisors at the same tier receive equivalent placement and features. See our about page for full disclosure.

4. Consumer use of the Site

  • Searching the directory and contacting advisors is free for consumers.
  • When you submit a lead through an advisor's profile, your contact information and message are sent only to that advisor. We do not sell or share leads with anyone other than the advisor you choose to contact.
  • The decision to engage any advisor is yours. You agree to perform your own due diligence — including reviewing the advisor's Form ADV Part 2A, BrokerCheck record, and any state-level registrations — before entering an advisory relationship.
  • You will not use the Site to harass advisors, send unsolicited marketing, scrape data, attempt to reverse engineer the Site, or for any unlawful purpose.

5. Advisor use of the Site

5.1 Eligibility

To list on the Site, an advisor must:

  • Be appropriately registered or exempt from registration under applicable state and federal investment adviser laws;
  • Operate on a fee-only basis (compensated only by clients; no commissions or third-party compensation tied to product sales); and
  • Be held to a fiduciary standard with respect to advisory clients.

Advisors warrant the accuracy of all profile information, attestations, and credentials submitted, and agree to update us promptly if any of those facts change.

5.2 Subscription, billing, and cancellation

  • Listings are sold as monthly subscriptions in three tiers (currently $29 / $79 / $149 per month). Pricing and features may change with reasonable notice.
  • Subscriptions are processed through Stripe and renew automatically until canceled. Cancellation takes effect at the end of the then-current billing period.
  • Payments are non-refundable except where required by law. Subscription fees do not include applicable taxes; advisors are responsible for any taxes assessed on their subscription.
  • We may immediately suspend or terminate a listing if we believe it materially violates these Terms, including if an advisor ceases to meet the fee-only or fiduciary requirements.

5.3 Conduct and content

  • Advisors will not include false, misleading, or non-compliant statements in their profile or articles, including statements that violate SEC, FINRA, NASAA, or state advertising rules.
  • Advisors retain ownership of content they submit (bio, articles, photos), and grant Arizona Fee Only a non-exclusive, royalty-free license to display, reproduce, and distribute that content as part of the Site for as long as the advisor remains listed.
  • Leads sent through the directory may only be used to respond to the consumer's inquiry. Advisors may not resell, share, or add lead contact information to a marketing list without the consumer's separate, explicit consent.

6. Educational content disclaimer

Articles, guides, calculators, FAQs, and other educational content on the Site are general information only. They are not personalized financial, tax, or legal advice and do not create an advisor-client relationship. Always consult a qualified professional about your specific situation.

7. Third-party links and content

The Site contains links to third-party websites, regulators, and industry associations. We do not control and are not responsible for those third-party sites or their content.

8. Intellectual property

The Site and its original content, features, and functionality (other than advisor-submitted content) are owned by Arizona Fee Only and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works of the Site without our prior written consent, except as permitted by law.

9. Disclaimers

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ARIZONA FEE ONLY AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY ADVISORY SERVICES YOU OBTAIN FROM A LISTED ADVISOR. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE WILL NOT EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE.

11. Indemnification

You agree to indemnify and hold Arizona Fee Only harmless from any claims, damages, or expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your misuse of the Site, or — for advisors — content you publish through the directory or services you provide to consumers introduced through the Site.

12. Governing law and disputes

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. Any dispute arising out of or related to these Terms or the Site will be resolved in the state or federal courts located in Maricopa County, Arizona, and you consent to that jurisdiction.

13. Changes to these Terms

We may update these Terms from time to time. The "Effective" date at the top of this page reflects the most recent update. Continued use of the Site after a change constitutes acceptance of the updated Terms.

14. Contact

Questions about these Terms? Email legal@arizonafeeonly.org.

These Terms are provided as a starting template. They are not legal advice. Before relying on them for production use, have competent counsel review them for your specific business model and jurisdictions.