1. No Professional Advice
All information on this website (“Site”) is provided for general informational and educational purposes only. It does not constitute professional, financial, insurance, legal, medical, or tax advice. You should not rely on this information as a substitute for professional consultation. Always seek the advice of a qualified professional before making financial or insurance decisions.

2. No Client Relationship
Use of this Site does not create an advisor-client relationship between you and us. Any formal advisory relationship requires a written agreement.

3. Accuracy of Information
We make reasonable efforts to ensure the accuracy of the information on this Site, but we do not guarantee that it is complete, accurate, or up-to-date. We are not responsible for errors, omissions, or outdated content.

4. External Links
The Site may contain links to third-party websites. We are not responsible for the accuracy, reliability, or content of such external sites, and inclusion of links does not imply endorsement.

5. Limitation of Liability
To the fullest extent permitted by law, we disclaim all liability for any direct, indirect, incidental, or consequential damages that may result from the use of, or reliance on, the information provided on this Site.

6. Financial and Insurance Products
Any examples, case studies, or scenarios provided are for illustration only. Results, coverage, or benefits may vary depending on the product, insurer, and individual circumstances. Always review official policy documents before purchasing any insurance product.

7. Use at Your Own Risk
Your use of this Site is at your own risk. By using the Site, you agree that we are not responsible or liable for any decisions, actions, or outcomes based on the information provided.