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Texting Terms of Use

Text Messaging Program Terms of Use

Last Updated: June 22, 2026

Please review these terms of use (“Terms of Use”) for more information regarding the text messaging service (the “Service”) offered by CHC Financial Solutions LLC (“CHC”). In these Terms of Use, “we,” “us” and “our” all refer to CHC and employees and contractors of CHC, having a principal place of business at 2101 Gaither Road, Suite 290, Rockville MD 20850. The term "office staff" refers to employees and contractors of CHC. The terms “you” and “your” refer to the individual using the Service to communicate with CHC and employees or contractors of CHC.

This Service allows you to communicate with us via a mobile or web application (the “Text Number”). We may provide access to the Service to office staff, and such office staff members: (i) may send messages to you on behalf of other office staff members, and (ii) may have access to your text message history with any other office staff member. Any staff member will identify themselves to you when using the Service. The Service may also be used to provide you with automated messages, including appointment reminders.

ALL MESSAGES SENT TO, RECEIVED BY AND SENT BY THE TEXT NUMBER WILL BE MONITORED AND ARCHIVED BY CHC.

You may opt out of the Service and stop receiving text messages at any time by texting STOP to the Text Number.

By using the Service, you represent and warrant that you:

  1. Are 18 years of age or older;
  2. Reside in a geographic area in which CHC products and services are available (your eligibility for particular products and services is subject to final determination and approval by the CHC); and
  3. Will comply with all applicable laws, rules and regulations.

CHC does not charge for any content sent through this Service; however, message and data rates may apply from your mobile carrier. You may incur additional charges and fees from your mobile carrier if you exceed your text message plan.

CHC is committed to protecting the security and confidentiality of personal information. To learn more about the measures that we take to safeguard information that you might share with us and how we may use your information, please read our Privacy Policy 

Please do not send any of the following types of information to the Text Number:

  1. Trade requests or other transaction requests; or
  2. Tax or financial documents; or
  3. Any unlawful, infringing or fraudulent content.

The Service is provided through a third party vendor “Service Provider.” For analysis, reporting and industry insights, the Service Provider may use anonymized aggregated data, which includes data created from a set of proprietary algorithm, surveys, and features of software as a service (“SaaS”) that analyze user data to produce reports, performance metrics and other usage analytics of the SaaS. The Service Provider will also share message content with other third party vendors in order to deliver and receive messages sent through the Service.

If we make changes to these Terms of Use, we will revise the “Last Updated” date at the top of this page. Any changes to these Terms of Use will become effective when we make the revised Terms of Use available at the above link. Please routinely check for any updates. Your use of the Service following these changes means that you accept the revised Terms of Use.

If you have questions regarding the Service or technical issues, please contact Customer Support at:

Email: support@ionlake.com
Phone: 844.402.2428

If you have questions regarding these Terms of Use, you may write to us at:

CHC Financial Solutions, LLC
2101 Gaither Road Suite 290
Rockville MD 20850

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. EXCEPT FOR ANY WARRANTIES THAT CANNOT BE EXCLUDED, RESTRICTED, OR MODIFIED UNDER LAW APPLICABLE TO THESE TERMS OF USE, CHC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SERVICE. CHC DOES NOT GUARANTEE OR WARRANT THAT THE SERVICE WILL BE AVAILABLE, OR THAT ACCESS TO THE SERVICE WILL BE UNINTERRUPTED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, CHC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR CONDITIONS OF TITLE, FITNESS FOR A PARTICULAR PURPOSE (WHETHER OR NOT CHC KNOWS, HAS REASON TO KNOW, HAS BEEN ADVISED OR IS OTHERWISE IN FACT AWARE OF ANY SUCH PURPOSE), AND NON-INFRINGEMENT, AND ANY SUCH WARRANTIES OR CONDITIONS ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF DEALING OR USAGE OF TRADE.

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, NEITHER CHC NOR ITS AFFILIATES WILL BE RESPONSIBLE OR LIABLE FOR ANY DAMAGES TO YOU OR YOUR EQUIPMENT ARISING FROM YOUR USE OF THE SERVICE. IN NO EVENT WILL CHC OR ITS AFFILIATES BE LIABLE FOR ANY INJURY, LOSS, DAMAGE OR CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES, OR INCONVENIENCES OF ANY KIND, UNDER ANY THEORY OF LIABILITY, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, ARISING FROM OR IN ANY WAY CONNECTED WITH (A) ANY USE OF THE SERVICE, EVEN IF CHC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (B) ANY FAILURE, DELAY, OR UNAVAILABILITY (INCLUDING BUT NOT LIMITED TO THE INABILITY TO USE THE SERVICE), EVEN IF CHC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, THE AGGREGATE LIABILITY OF CHC AND ITS AFFILIATES TO YOU FOR ALL DAMAGES OF EVERY KIND AND TYPE, WHETHER ARISING IN CONTRACT OR TORT, SHALL NOT EXCEED ONE HUNDRED DOLLARS.

NEITHER CHC NOR ITS AFFILIATES WILL BE LIABLE FOR ANY LOSSES, CLAIMS, INJURIES, LIABILITIES OR DAMAGES RESULTING FROM A CAUSE OVER WHICH CHC DOES NOT HAVE DIRECT CONTROL, INCLUDING BUT NOT LIMITED TO THE FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATION LINES, INACCESSIBILITY OF ANY SERVICE PROVIDERS, UNAUTHORIZED ACCESS, THEFT, SEVERE WEATHER, WAR, ACTS OF TERRORISM, STRIKES OR OTHER LABOR PROBLEMS, GOVERNMENT RESTRICTION, PANDEMICS, ACTS OR OMISSIONS OF UNAFFILIATED THIRD PARTIES, ACTS OF GOD OR UNFORESEEN ILLEGAL ACTIONS OF ANOTHER (“FORCE MAJEURE” CONDITIONS).

To the maximum extent permitted by applicable law, these Terms of Use are governed by the laws of the State as set forth in an applicable customer agreement between you and CHC; if no such agreement is in effect, these Terms of Use are governed by the laws of the State of California, in each instance without regard to conflict of law principles.

These Terms of Use do not modify, amend, or replace any other agreements that you may have with CHC, including without limitation investment advisory agreements, account agreements and electronic delivery agreements. In the event of any conflict between the provisions of these Terms of Use and any other agreements you may have with CHC or any of its affiliates (collectively, the “Other Agreements”), then the provisions of the Other Agreements will govern, except with respect to the subject matter hereof.