Terms of Service

1. Purpose of Website

This Website provides information regarding life insurance, financial education, financial services, and related business offerings. The content provided is intended for informational and educational purposes only.

Use of this Website does not create a client, advisor, fiduciary, insurance agent, broker, or professional relationship unless expressly agreed upon in writing.

2. Educational Information Disclaimer

The information contained on this Website is provided for general informational and educational purposes only.

Nothing on this Website should be construed as:

• Legal advice
• Tax advice
• Accounting advice
• Investment advice
• Financial planning advice
• Insurance recommendations

You should consult qualified professionals regarding your individual circumstances before making financial, insurance, legal, tax, or investment decisions.

3. Insurance Services Disclaimer

Insurance products are offered through licensed insurance professionals and are subject to carrier approval, underwriting requirements, eligibility standards, policy limitations, exclusions, and applicable laws.

Coverage availability, pricing, and benefits may vary by carrier, state, and individual circumstances.

No guarantee is made that any applicant will qualify for coverage or specific policy benefits.

4. Website Use

You agree to use this Website only for lawful purposes.

You agree not to:

• Violate any applicable law or regulation
• Attempt to gain unauthorized access to Website systems
• Interfere with Website functionality
• Upload malicious code, malware, viruses, or harmful content
• Use automated systems to scrape Website content
• Misrepresent your identity or information

We reserve the right to restrict or terminate access to any user who violates these Terms.

5. User Submissions

When you submit information through forms, consultations, appointment requests, contact forms, or other Website features, you represent that:

• The information is accurate
• The information is current
• You have authority to provide such information

You agree that we may use submitted information to respond to inquiries, provide requested services, maintain business records, and comply with applicable laws and regulations.

6. SMS & Electronic Communications

By providing your telephone number or email address, you consent to receive communications regarding requested services.

These communications may include:

• Appointment confirmations
• Service updates
• Follow-up communications
• Educational information
• Administrative notices

Marketing communications may only be sent where permitted by applicable law and may be opted out of at any time.

Message and data rates may apply.

7. Intellectual Property

All content on this Website, including but not limited to:

• Text
• Graphics
• Logos
• Images
• Videos
• Website design
• Branding
• Documents

is owned by or licensed to Tina Hylton and is protected under applicable intellectual property laws.

No Website content may be copied, reproduced, distributed, modified, republished, or exploited without prior written permission.

8. Third-Party Links

This Website may contain links to third-party websites, services, tools, or resources.

We do not control and are not responsible for:

• Third-party content
• Third-party policies
• Third-party privacy practices
• Third-party security practices

Accessing third-party websites is done at your own risk.

9. No Warranties

THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Merchantability
• Fitness for a Particular Purpose
• Non-Infringement
• Accuracy of Content
• Availability of Services

We do not guarantee uninterrupted access, error-free functionality, or complete accuracy of Website information.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TINA HYLTON, HER AFFILIATES, CONTRACTORS, AGENTS, REPRESENTATIVES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM:

• Website use
• Website inability to be used
• Reliance on Website information
• Service interruptions
• Errors or omissions
• Third-party actions

Your sole remedy for dissatisfaction with the Website is to discontinue use.

11. Indemnification

You agree to defend, indemnify, and hold harmless Tina Hylton, her affiliates, contractors, representatives, and service providers from any claims, liabilities, damages, losses, expenses, or legal fees arising from:

• Your use of the Website
• Your violation of these Terms
• Your violation of applicable laws
• Your infringement of any third-party rights

12. Privacy

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

By using the Website, you acknowledge that you have reviewed and understand the Privacy Policy.

13. California Residents

California residents may have additional rights under applicable California privacy laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).

Information regarding these rights can be found in our Privacy Policy.

14. Changes to Terms

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

Updated Terms will become effective immediately upon posting to the Website.

Continued use of the Website after modifications constitutes acceptance of the revised Terms.

15. Governing Law

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

Any disputes arising under these Terms shall be resolved in the appropriate courts located within California.

16. Contact Information

For questions regarding these Terms of Service, please contact us using the information above.