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Governing your use of this website and our federal benefits education services.
Effective Date: January 1, 2026
By accessing or using the website of Heather Hudec, operating as "Your Financial Advocate" ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services. We may update these Terms at any time without prior notice; your continued use constitutes acceptance of the updated Terms.
Heather Hudec provides educational services regarding federal employee benefits, including but not limited to the Federal Employees’ Group Life Insurance (FEGLI), the Federal Employees Retirement System (FERS), the Thrift Savings Plan (TSP), survivor benefits, and pension elections.
Important Disclaimer: We are an education-first service. We do not sell insurance products during our educational sessions. Heather Hudec is a licensed independent insurance agent (License No. PL144254) and may offer insurance products separately if you request product-specific information. Our educational services are not a substitute for professional legal, tax, or financial advice from qualified professionals.
The information provided on this website and during our educational sessions is for general informational and educational purposes only. It does not constitute financial planning, legal, tax, or investment advice. You should consult with qualified professionals regarding your individual situation. We make no representations or warranties regarding the accuracy, completeness, or suitability of any information provided.
Use of this website, scheduling a consultation, or participating in an educational session does not create a fiduciary, advisory, or client-agent relationship unless and until a separate written agreement is signed by both parties. Our educational sessions are intended to inform, not to advise.
We do not guarantee any specific financial outcome, savings, or benefit election result from our educational services. Federal benefits outcomes depend on your individual circumstances, federal regulations, and other factors beyond our control.
Heather Hudec is a licensed independent insurance agent. All services are provided in compliance with applicable insurance regulations in the states where we are licensed (TX, VA, MI, FL, AR, AZ, OH, WV, SC, NH, VT, RI, IN, CT, TN, GA, IA, WA). We are not affiliated with the U.S. Office of Personnel Management (OPM), the Federal Retirement Thrift Investment Board, or any federal agency.
You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. Prohibited activities include, but are not limited to:
All content on this website, including text, graphics, logos, images, and software, is the property of Heather Hudec or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.
Our website may link to or integrate with third-party platforms (including but not limited to GoHighLevel for CRM and communication purposes). We are not responsible for the content, privacy practices, or terms of third-party services. Your use of third-party platforms is subject to their respective terms and policies. We may use GoHighLevel to manage client communications, scheduling, and follow-ups in compliance with our Privacy Policy.
To the fullest extent permitted by law, Heather Hudec and Your Financial Advocate shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of our website or services, whether based on warranty, contract, tort, or any other legal theory, even if we have been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless Heather Hudec and Your Financial Advocate from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your use of our website, your violation of these Terms, or your violation of any third-party rights.
Your use of our website and services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.
By providing your phone number and email address, you consent to receive communications from us regarding your consultation requests, appointments, and related educational information. Standard message and data rates may apply. You may opt out of non-essential communications at any time by contacting us. We comply with all applicable TCPA (Telephone Consumer Protection Act) regulations. Your consent is not a condition of purchasing any service.
These Terms shall be 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 out of or relating to these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration to be held in Duval County, Florida. You agree to resolve disputes on an individual basis and waive any right to participate in a class action.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Heather Hudec regarding your use of our website and services, superseding any prior agreements or understandings.
If you have any questions about these Terms, please contact us:
Heather Hudec — Your Financial Advocate
Phone: (904) 703-9572
Email: hudat2315@gmail.com
License No. PL144254
Last updated: January 1, 2026