Effective Date: May 18, 2026

Last Updated: May 28, 2026

These Website Terms of Use (“Terms”) govern your access to and use of the website, services, content, communications, and related online resources provided by Athira Network LLC dba Ellner Financial Network (“Company,” “we,” “our,” or “us”).

By accessing or using this website, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree to these Terms, you should not use this website.

1. Company Services

Athira Network LLC dba Ellner Financial Network is an employee benefits, insurance consulting, and financial-services-support firm that provides consulting, brokerage, educational, and related professional services.

Services may include:

• Employee benefits consulting
• Group health and welfare plan consulting
• Executive and supplemental benefits planning
• Insurance product consulting and placement
• Wellness and employee engagement services
• Benefits administration support
• Coordination with financial advisors and professional consultants
• Educational resources and informational content

Nothing on this website constitutes legal, tax, accounting, investment, securities, or medical advice. Insurance products and services may be offered through appropriately licensed insurance professionals where required by law.

2. Eligibility and Use of Website

You agree to use this website only for lawful purposes and in accordance with these Terms.

By using this website, you represent that:

• You are at least 18 years old
• You have authority to enter into these Terms
• You will not use the website for unlawful or fraudulent purposes
• You will not interfere with website security or functionality
• You will not attempt unauthorized access to systems or data

We reserve the right to restrict or terminate access to the website at our discretion.

3. No Professional Advice

Content provided on this website is for general informational and educational purposes only.

The information provided does not constitute:

• Legal advice
• Tax advice
• Investment advice
• Securities advice
• Accounting advice
• Medical advice
• Insurance coverage guarantees

Users should consult their own qualified legal, tax, accounting, investment, insurance, or healthcare professionals before making decisions based on website content.

Use of this website does not create a client, fiduciary, advisory, broker, consulting, or professional relationship unless expressly agreed to in writing.

4. No Guarantee of Coverage or Benefits

Insurance products, employee benefit programs, and financial strategies discussed on this website are subject to:

• Underwriting approval
• Eligibility requirements
• Policy terms and exclusions
• Applicable laws and regulations
• Carrier approval
• Availability by jurisdiction

Coverage terms, premiums, rates, and benefits may vary.

Nothing on this website guarantees:

• Insurance coverage approval
• Benefit eligibility
• Tax outcomes
• Financial results
• Regulatory compliance
• Future performance

5. Electronic Communications

By communicating with us electronically, including through website forms or email, you consent to receive electronic communications from us.

Electronic communications may include:

• Service notices
• Administrative communications
• Marketing materials
• Newsletters
• Appointment confirmations
• Event invitations
• Educational information

You may opt out of marketing communications as described in our Privacy Policy.

6. Intellectual Property Rights

All website content is owned by or licensed to Athira Network LLC dba Ellner Financial Network and is protected under applicable intellectual property laws.

Protected content may include:

• Text
• Graphics
• Logos
• Branding
• Icons
• Images
• Videos
• Downloads
• Articles
• Educational materials
• Website design and layout

You may view and print materials solely for personal or internal business informational use.

You may not:
• Reproduce or republish content
• Modify materials
• Distribute website content
• Create derivative works
• Use content for commercial exploitation
• Remove copyright or proprietary notices

Without prior written consent from Athira Network LLC dba Ellner Financial Network.

7. User Submissions

If you submit information through the website, including contact forms, applications, surveys, or uploaded documents, you:

• Represent that the information provided is accurate
• Grant us the right to use the information to provide services and respond to inquiries
• Acknowledge that transmissions over the internet may not be fully secure

You agree not to submit:
• False or misleading information
• Malicious code or harmful content
• Confidential information you are not authorized to disclose
• Unlawful, defamatory, or infringing materials

We reserve the right to remove or refuse submissions at our discretion.

8. Privacy

Your use of this website is also governed by our Privacy Policy.

Please review the Privacy Policy carefully to understand how we collect, use, disclose, and safeguard personal information.

9. Third-Party Links and Services

This website may contain links to third-party websites, platforms, or services.

We do not control and are not responsible for:
• Third-party content
• Privacy practices
• Security practices
• Availability of external websites
• Accuracy of external information

Inclusion of links does not imply endorsement.

Users access third-party websites at their own risk.

10. Website Availability

We strive to maintain website availability but do not guarantee uninterrupted access.

We reserve the right to:
• Modify website content
• Suspend or terminate website access
• Update or discontinue services
• Restrict access to portions of the website

Without prior notice.

11. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Athira Network LLC dba Ellner Financial Network DISCLAIMS ALL WARRANTIES, INCLUDING:
• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy
• Reliability
• Security
• Availability

WE DO NOT WARRANT THAT:
• The website will operate without interruption
• The website will be error-free
• Defects will be corrected
• The website will be free of viruses or harmful components

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Athira Network LLC dba Ellner Financial Network SHALL NOT BE LIABLE FOR ANY:
• Indirect damages
• Incidental damages
• Consequential damages
• Special damages
• Exemplary damages
• Lost profits
• Lost data
• Business interruption

ARISING FROM OR RELATED TO:
• Use of the website
• Inability to use the website
• Reliance on website content
• Third-party links or services
• Security incidents
• Electronic communications

EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN JURISDICTIONS THAT DO NOT ALLOW CERTAIN LIMITATIONS, LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

13. Indemnification

You agree to defend, indemnify, and hold harmless Athira Network LLC dba Ellner Financial Network, its owners, officers, employees, contractors, affiliates, licensors, agents, and representatives from and against any claims, liabilities, damages, losses, costs, or expenses arising out of:
• Your use of the website
• Your violation of these Terms
• Your violation of applicable laws
• Your infringement of third-party rights
• Information you submit through the website

14. Compliance With Laws

Users are responsible for complying with all applicable federal, state, local, and international laws related to their use of this website.

Nothing on this website is intended to solicit business in jurisdictions where the Company or its representatives are not properly licensed or authorized.

Insurance and financial-related products or services may not be available in all states or jurisdictions.

15. SMS and Telephone Communications

If you provide your mobile number or telephone information, you consent to communications from us consistent with our Privacy Policy and applicable law.

Such communications may include:
• Appointment reminders
• Service communications
• Marketing messages
• Event notices
• Educational information

Message and data rates may apply.

You may opt out by following the instructions provided in communications.

16. Accessibility

Athira Network LLC dba Ellner Financial Network strives to make its website accessible to individuals with disabilities.

If you experience accessibility difficulties, please contact us using the information provided below.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of NJ, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or website use shall be resolved exclusively in the state or federal courts located in Camden County, New Jersey, and you consent to the jurisdiction of such courts.

18. Changes to These Terms

We reserve the right to modify these Terms at any time.

Updated Terms become effective upon posting to the website with a revised “Last Updated” date.

Continued use of the website following updates constitutes acceptance of the revised Terms.

19. Contact Information

If you have questions regarding these Terms of Use, please contact:

Athira Network LLC dba Ellner Financial Network
Email: [email protected]
Website: https://www.ellnerfinancialnetwork.com/