Terms of Use

1. Educational Purpose & No Advice

All content on the Services, including guides, quizzes, calculators, glossary entries, and case studies, is provided for general informational and educational purposes only. It does not constitute financial, tax, legal, investment, or insurance advice. Figures produced by our calculators are simplified illustrations based on assumptions and do not reflect actual policy performance. You should consult a qualified, licensed professional before making any financial decisions.

2. No Guarantees

Insurance dividends are not guaranteed. Actual policy performance, cash value growth, loan rates, and tax treatment vary by carrier, policy design, and jurisdiction. We make no representation that any strategy or projected outcome will occur.

3. Eligibility

You must be at least 18 years of age and legally able to enter into contracts to use the Services or submit information through our forms.

4. Use of the Services

You agree not to:

• Use the Services for any unlawful or unauthorized purpose.
• Attempt to disrupt, disable, or overload the site or its infrastructure.
• Submit false, misleading, or fraudulent information through our forms.
• Reproduce, redistribute, or resell our content without prior written permission.

5. Intellectual Property

All content, branding, text, graphics, logos, and software on the Services are the property of Your Reserve Fund or its licensors and are protected by applicable intellectual property laws. You may view and use the Services for personal, non-commercial purposes.

6. User Submissions

When you submit information through our quiz, calculator, or consultation forms, you represent that the information is accurate and that you consent to our use of it as described in our Privacy Policy.

7. Third-Party Links & Tools

The Services may contain links to third-party websites or embed third-party tools (such as video and advertising technologies). We are not responsible for the content, practices, or policies of third parties. Your interactions with third-party services are solely between you and them.

8. Disclaimer of Warranties

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

9. Limitation of Liability

To the fullest extent permitted by law, Your Reserve Fund and its affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits or data, arising from your use of or inability to use the Services.

10. Indemnification

You agree to indemnify and hold harmless Your Reserve Fund and its affiliates from any claims, damages, or expenses arising from your misuse of the Services or violation of these Terms.

11. Changes to These Terms

We may revise these Terms at any time. The "Last updated" date reflects the most recent revision. Continued use of the Services after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the jurisdiction in which Your Reserve Fund operates, without regard to conflict-of-law principles.

13. Contact

Questions about these Terms can be directed to us through the form on our site or via the Book a Call page.