Terms of Service

📋 Agreement to Terms

By accessing or using the Ryan Wert Insurance website ("Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

These Terms constitute a legally binding agreement between you and Ryan Wert Insurance ("we," "us," or "our") governing your access to and use of this Site.

🎯 Description of Services

Ryan Wert Insurance provides insurance advisory services and related informational content focused on:

• Premium financing strategies for high-value life insurance
• High net worth (HNW) life insurance planning
• Estate planning with life insurance integration
• Business succession planning
• Wealth transfer strategies

The content on this Site is provided for informational purposes only and does not constitute financial, tax, legal, or insurance advice.

👤 User Responsibilities

When using our Site, you agree to:

• Provide accurate and complete information in any forms or communications
• Use the Site only for lawful purposes and in compliance with these Terms
• Not attempt to gain unauthorized access to any portion of the Site or related systems
• Not interfere with or disrupt the integrity or performance of the Site
• Not reproduce, duplicate, copy, sell, or exploit any portion of the Site without express written permission
• Not use any automated means to access the Site for any purpose

© Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, images, audio clips, digital downloads, and data compilations, is the property of Ryan Wert Insurance or its content suppliers and is protected by United States and international copyright laws.

The compilation of all content on this Site is the exclusive property of Ryan Wert Insurance and is protected by U.S. and international copyright laws.

Our trademarks and trade dress may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Ryan Wert Insurance.

🛡️ Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RYAN WERT INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION:

• Loss of profits, revenue, or data
• Loss of goodwill or business opportunities
• Personal injury or property damage
• Any matter beyond our reasonable control

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

📄 Disclaimer of Warranties

THIS SITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that:

• The Site will be uninterrupted, timely, secure, or error-free
• The results obtained from use of the Site will be accurate or reliable
• Any errors in the Site will be corrected
• The Site is free of viruses or other harmful components

⚖️ Indemnification

You agree to indemnify, defend, and hold harmless Ryan Wert Insurance, its officers, directors, employees, agents, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including, but not limited to, any use of the Site's content other than as expressly authorized in these Terms.

🔗 Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by Ryan Wert Insurance. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

🏛️ Governing Law & Jurisdiction

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

You agree to submit to the personal and exclusive jurisdiction of the courts located in California for the resolution of any disputes arising out of or relating to these Terms or your use of the Site.

✏️ Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes by updating the "Last Updated" date at the top of these Terms.

Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes.

📑 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.