Terms of Service

1. Agreement to Terms

Welcome to Liquid Legacy Financial. These Terms of Service ("Terms") govern your access to and use of our website, services, and applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our Services. We reserve the right to modify these Terms at any time, and your continued use of the Services constitutes acceptance of any changes.

2. Description of Services

Liquid Legacy Financial provides life insurance brokerage services, including but not limited to:

• Life insurance policy consultation and recommendations
• Policy application assistance and processing
• Living benefits and indexed universal life (IUL) strategies
• Business protection and key person insurance
• Estate planning and wealth transfer strategies
• Educational resources about life insurance products
• Annuity consultation and retirement planning

3. User Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information during consultations and applications
• Maintain and promptly update your information as needed
• Maintain the security and confidentiality of any login credentials provided to you
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account or any security breach
• Comply with all applicable laws and regulations

4. Prohibited Conduct

You agree not to use our Services to:

• Violate any applicable laws, regulations, or third-party rights
• Submit false, misleading, or fraudulent information on insurance applications
• Impersonate any person or entity or misrepresent your affiliation
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any part of the Services
• Use automated means to access the Services without our permission
• Transmit viruses, malware, or other harmful code
• Harvest or collect user information without consent

5. Insurance Services Disclaimer

Liquid Legacy Financial acts as an independent insurance broker. Please understand that:

• We are not an insurance company and do not underwrite policies
• Policy approval, terms, and premiums are determined solely by insurance carriers
• Information provided is for educational purposes and should not be considered financial, tax, or legal advice
• Coverage and premiums may vary based on individual circumstances, health history, and underwriting decisions
• Past performance, illustrations, or quotes do not guarantee future results
• Policy values and benefits are subject to the claims-paying ability of the issuing insurance company

6. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are the exclusive property of Liquid Legacy Financial or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use our intellectual property without our express written permission.

7. Privacy

Your use of our Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using our Services, you consent to our collection and use of information as described in the Privacy Policy.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied
• We do not warrant that the Services will be uninterrupted, secure, or error-free
• We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
• Our total liability shall not exceed the amount you paid us in the twelve months preceding the claim, if any
• We are not liable for any decisions you make based on information provided through our Services

9. Indemnification

You agree to indemnify, defend, and hold harmless Liquid Legacy Financial, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any third-party rights.

10. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Services shall be resolved exclusively in the state or federal courts located in Harris County, Texas.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Services after any changes constitutes your acceptance of the new Terms.

13. Contact Us

If you have any questions about these Terms of Service, please contact us: