Terms of Business Arrangement

1. Scope of Services

The Company provides services that may include, but are not limited to:

• Insurance brokerage and advisory services
• Assistance with insurance applications, renewals, and policy changes
• General financial services and product information
• Ongoing client support related to issued policies or services

Specific services provided will depend on your individual circumstances and the agreements in place.

2. Nature of Our Role

The Company acts as an intermediary between clients and insurance carriers or financial institutions.

• We do not act as the insurer or financial product issuer unless explicitly stated.
• Coverage, pricing, and acceptance are subject to the terms and approval of the relevant provider.

3. No Guarantee of Coverage or Outcomes

• Submission of information does not guarantee insurance coverage or financial product approval.
• All policies and financial products are governed by the final issued documents.
• Past performance or illustrations do not guarantee future results.

4. Client Responsibilities

You agree to:

• Provide accurate, complete, and truthful information
• Promptly notify us of any changes that may affect your coverage or financial position
• Review all documents, policies, and disclosures provided to you
• Comply with applicable laws and contractual obligations

Failure to provide accurate information may result in denied claims, policy cancellation, or regulatory issues.

5. Fees, Commissions, and Compensation

• The Company may receive commissions, fees, or other compensation from insurers or financial institutions.
• In some cases, fees may be charged directly to you and will be disclosed in advance.
• Compensation does not affect our obligation to act in good faith and in your best interest where required by law.

6. Confidentiality and Data Protection

We treat client information as confidential and take reasonable measures to protect it.

• Information may be shared with insurers, financial institutions, service providers, or regulators as required to deliver services or comply with law.
• Our use of personal data is governed by our Privacy Policy.

7. Regulatory Status

• The Company operates in accordance with applicable insurance and financial regulations.
• Licensing is maintained where required by law.
• Services may be limited by jurisdiction or regulatory restrictions.

8. Limitation of Liability

To the fullest extent permitted by law:

• The Company is not liable for losses resulting from inaccurate information provided by the Client.
• We are not responsible for actions, decisions, or solvency of third-party insurers or financial institutions.
• Liability, if any, is limited to direct losses arising from negligence, excluding indirect or consequential damages.

9. Conflicts of Interest

We maintain internal policies to identify and manage potential conflicts of interest. If a conflict arises that could materially affect you, we will disclose it as required by law.

10. Termination

Either party may terminate this arrangement:

• At any time, with or without cause
• Subject to outstanding obligations or regulatory requirements

Termination does not affect rights or obligations accrued prior to termination.

11. Complaints and Dispute Resolution

If you have a complaint:

• Please contact us directly so we can attempt resolution promptly.
• Unresolved disputes may be escalated according to applicable regulatory or legal processes.

12. Governing Law

This Agreement is governed by the laws of the State of Florida, without regard to conflict-of-law principles.

13. Amendments

We may update this Agreement from time to time. The most current version will be made available upon request or via our website.

• Continued engagement of our services constitutes acceptance of any updates.

14. Contact Information