By accessing or using this website (“Site”), you agree to be bound by these Terms of Use.

1. General Information Only
The Site provides general information about insurance, financial planning, and related topics. All content is for informational and educational purposes only. It does not constitute professional, legal, financial, tax, or medical advice.

2. No Warranties

• The Site and its content are provided “as is” and “as available.”

• We make no warranties or representations of any kind, express or implied, regarding the accuracy, completeness, reliability, or availability of the Site.

• All warranties are disclaimed, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

3. No Liability
To the fullest extent permitted by law:

• We are not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of the Site.

• We are not responsible for errors, omissions, or inaccuracies in the content.

• We are not responsible for any losses, claims, or damages resulting from reliance on information provided.

4. No Client Relationship
Use of this Site does not create an advisor-client relationship. Any advice or services require a formal written agreement. Until then, nothing on this Site should be considered personalized financial or insurance advice.

5. Third-Party Links
The Site may include links to third-party websites. We are not responsible for the content, accuracy, or reliability of such sites. Use of third-party sites is at your own risk.

6. User Responsibility
By using this Site, you agree:

• To conduct your own independent research before making decisions.

• That you are solely responsible for any actions you take.

• That we are not liable for any losses, claims, or disputes that may arise.

7. Indemnification
You agree to indemnify, defend, and hold us harmless from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Site.

8. Governing Law
These Terms shall be governed by the laws of [Insert Country/Region], without regard to conflict of law principles.

9. Changes to Terms
We may update or modify these Terms of Use at any time without prior notice. Continued use of the Site constitutes acceptance of changes.