Agreement to Terms

These Terms and Conditions (“Terms”) govern your use of the **Life & Wealth Strategies, LLC** website (“the Site,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any part of these Terms, you are prohibited from using or accessing this Site.

Nature of Our Service and Disclaimers

Life & Wealth Strategies, LLC is an independent insurance and financial services agency. We provide information, quotes, and consultation regarding insurance products (Life, Health, Supplemental, Travel) and financial strategies (Annuities, Estate Preservation) offered by various third-party carriers.

• No Guarantee of Coverage: The quotes and information provided on this Site or by our agents are estimates and summaries only. No coverage is bound, altered, or confirmed until an application is officially accepted and processed by the insurance carrier.
• Carrier Responsibility: All insurance policies are contracts between you and the respective third-party insurance carrier, not with Life & Wealth Strategies, LLC. We are not responsible for the financial stability or claims practices of any carrier.
• Financial Advice: Information provided on the Site is for educational purposes only and does not constitute personalized financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.

User Obligations and Accuracy of Information

When requesting a quote or service, you agree to provide true, current, and complete information about yourself. You understand that providing inaccurate or misleading information may void any policy issued by an insurance carrier or result in inaccurate premium quotes. You agree to use the Site only for lawful purposes related to obtaining insurance or financial services.

Intellectual Property Rights

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Site are protected under applicable copyrights, trademarks, and other proprietary rights (including but not limited to intellectual property laws). The name **Life & Wealth Strategies, LLC**, our logo, and all associated graphics are trademarks of the Company. You may not copy, redistribute, use, or publish any part of the Site without our express written permission.

Links to Other Websites

Our Site may contain links to third-party websites, such as insurance carriers or educational resources. These links are provided solely as a convenience to you. We do not endorse or take responsibility for the content or accuracy of these external sites, and your use of such sites is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Life & Wealth Strategies, LLC, its agents, employees, and affiliates will not be liable for any direct, indirect, incidental, consequential, or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data, or other intangible losses resulting from (a) the use or inability to use the Site or our services; (b) the cost of procurement of substitute goods and services; or (c) any matter relating to third-party insurance carriers or products.

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. As an agency licensed in multiple states (including TX, OH, FL, NM, WA, CO, CA, and RI), all services provided will adhere to the licensing and regulatory requirements of the client’s state of residence.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will indicate the date of the last revision at the top or bottom of this page. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms.

Contact Information

Questions about these Terms and Conditions should be sent to us at:

• Email: info@lifepluswealthstrategies.com
• Phone/Text: 832-971-1963