Terms of Service

Last Updated: February 10, 2026

These Terms of Service (“Terms”) governyour access to and use of the website https://www.1gfg.com (the “Site”), including any content, functionality, and services offered on orthrough the Site, operated by First Gen Financial (“we,” “us,” “our,” or“FirstGen”).

Please read these Terms carefully beforeusing the Site. By accessing, browsing, or using the Site, you agree to bebound by these Terms and our Privacy Policy (incorporated herein by reference).If you do not agree to these Terms, you must not access or use the Site.

1. Use of the Site

The Site provides general informationabout employee benefits, group health plans, wellness programs, tax-advantagedsolutions, business consulting services, and related topics. The content is forinformational and educational purposes only and does not constitute financial,tax, legal, insurance, investment, or other professional advice. You shouldconsult qualified professionals before making any decisions based oninformation from the Site.

You agree to use the Site only for lawfulpurposes and in accordance with these Terms. You may not:

●    Use the Site in any way thatviolates any applicable federal, state, local, or international law orregulation

●    Transmit any material that isdefamatory, obscene, abusive, invasive of privacy, or otherwise objectionable

●    Attempt to gain unauthorizedaccess to, interfere with, damage, or disrupt the Site or our servers/systems

●    Use any robot, spider, scraper, orother automated means to access the Site

●    Engage in any conduct thatrestricts or inhibits anyone’s use or enjoyment of the Site

●    Impersonate any person ormisrepresent your affiliation with any person or entity

We reserve the right to terminate orsuspend your access to the Site at any time, without notice, for any reason,including violation of these Terms.

2. Intellectual Property

All content on the Site, including text,graphics, logos, images, downloads, and materials (collectively, “Content”), isowned by FirstGen or our licensors and protected by U.S. and internationalcopyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive,non-transferable, revocable license to access and view the Content for yourpersonal, non-commercial use only. You may not:

●    Copy, reproduce, distribute,modify, create derivative works from, publicly display, or publicly perform anyContent without our prior written consent

●    Remove or alter any copyright,trademark, or other proprietary notices

●    Use any Content for commercialpurposes without express permission

Our name, logo, and any othertrademarks/service marks displayed on the Site are our property. You may notuse them without our prior written consent.

3. No Professional Advice / No Client Relationship

Nothing on the Site creates anattorney-client, advisor-client, fiduciary, or other professional relationshipbetween you and FirstGen. Information provided is general in nature and may notapply to your specific situation. We do not provide personalized financialplanning, investment advice, tax advice, or insurance recommendations throughthe public Site.

Any consultation, engagement, or serviceagreement will be governed by a separate written contract, not these Terms.

4. Third-Party Links and Resources

The Site may contain links to third-partywebsites or resources. We provide these links for convenience only and do notendorse, control, or assume responsibility for the content, policies, orpractices of any third-party sites. Your use of third-party sites is at yourown risk.

5. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “ASIS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TOTHE FULLEST EXTENT PERMITTED BY LAW, FIRSTGEN DISCLAIMS ALL WARRANTIES,INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FORA PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SITE WILL BESECURE, ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFULCOMPONENTS. YOUR USE OF THE SITE IS AT YOUR OWN RISK.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW,FIRSTGEN, ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BELIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVEDAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES,ARISING FROM OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IFADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TOYOU EXCEED THE AMOUNT YOU PAID US (IF ANY) IN THE TWELVE (12) MONTHS PRECEDINGTHE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THEEXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITIES, SO SOME OF THEABOVE MAY NOT APPLY TO YOU.

7. Indemnification

You agree to indemnify, defend, and holdharmless FirstGen and our officers, directors, employees, agents, andaffiliates from any claims, liabilities, damages, losses, and expenses(including reasonable attorneys’ fees) arising out of or related to your use ofthe Site, violation of these Terms, or violation of any rights of a thirdparty.

8. Governing Law and Dispute Resolution

These Terms shall be governed by andconstrued in accordance with the laws of the Commonwealth of Virginia, withoutregard to its conflict of law principles.

Any dispute arising out of or relating tothese Terms or the Site shall be resolved exclusively in the state or federalcourts located in Fairfax County, Virginia. You consent to the personaljurisdiction of such courts.

9. Changes to These Terms

We may update these Terms from time totime. The updated version will be posted here with a revised “Last Updated”date. Your continued use of the Site after any changes constitutes acceptanceof the revised Terms.

10. Miscellaneous

●    Entire Agreement: These Terms (together with our Privacy Policy) constitute the entireagreement between you and FirstGen regarding the Site.

●    Severability: If any provision is held invalid or unenforceable, the remainingprovisions remain in full effect.

●    Waiver:Our failure to enforce any right or provision does not constitute a waiver.

●    Assignment: We may assign these Terms; you may not assign them without ourconsent.

●    No Third-Party Beneficiaries: These Terms are solely for your and our benefit.

11. Contact Us

If you have questions about these Terms,please contact:

First Gen Industries LTD DBA First GenFinancial

Email: support@1gfg.com

Thank you for visiting 1gfg.com.