Terms of Service

Introduction

Welcome to Armes Financial ("we," "our," or "us"). By accessing or using our website at armesfinancial.com (the "Site") and engaging with our services, you agree to comply with and be bound by these Terms of Service ("Terms").

Please read these Terms carefully before using our services. If you do not agree to these Terms, please do not use our website or services.

By accessing our Site, scheduling consultations, requesting quotes, or purchasing any insurance or financial products through us, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Eligibility & Eligibility Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Provide accurate and complete information when requested
• Have a valid Social Security Number or Tax ID (as required for insurance applications)
• Meet the underwriting requirements of the insurance carriers

Our services are not available to individuals under 18 years of age. By using our Site or services, you represent that you meet these eligibility requirements.

Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, videos, podcasts, downloads, and software, is the property of Armes Financial or its content suppliers and is protected by United States and international copyright laws.

You may:

• View and print pages from this website for personal, non-commercial use
• Share links to our content for informational purposes

You may not:

• Reproduce, distribute, modify, or republish any content without our written consent
• Use our logo or branding for commercial purposes without permission
• Remove or alter any copyright or proprietary notices

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ARMES FINANCIAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, PARTNERS, LICENSED CARRIERS, INSURANCE PROVIDERS, SUCCESSORS, OR ASSIGNS (COLLECTIVELY, "ARMES FINANCIAL PARTIES") BE LIABLE FOR ANY AND ALL DAMAGES, LOSSES, LIABILITIES, COSTS, OR EXPENSES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, OUR WEBSITE, SERVICES, PRODUCTS, OR ANY CONTENT PROVIDED HEREIN.

THIS LIMITATION APPLIES TO ALL OF THE FOLLOWING, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER YOU WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES:

• DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, INCOME, OR ANTICIPATED SAVINGS
• LOSS OF GOODWILL, REPUTATION, OR BUSINESS OPPORTUNITIES
• LOSS OF DATA, WHETHER CAUSED BY BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), BREACH OF STATUTORY DUTY, OR OTHERWISE
• COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES
• ANY INTERRUPTION OF BUSINESS, COMPUTER FAILURE, OR LOSS OF INFORMATION
• ANY OTHER pecuniary loss or CONSEQUENTIAL, SPECIAL, OR INDIRECT DAMAGES
• DAMAGES ARISING FROM ERRORS, OMISSIONS, INACCURACIES, OR INTERRUPTIONS IN SERVICE
• DAMAGES ARISING FROM RELIANCE ON ANY INFORMATION OR ADVICE PROVIDED ON THIS WEBSITE
• DAMAGES RESULTING FROM ACTIONS OR DECISIONS MADE BY THIRD-PARTY INSURANCE CARRIERS

THIS LIMITATION OF LIABILITY APPLIES REGARDLESS OF:

• THE THEORY OF LIABILITY (INCLUDING CONTRACT, TORT, STRICT LIABILITY, OR STATUTE)
• WHETHER THE DAMAGES WERE FORESEEABLE OR CAUSED BY BREACH OF WARRANTY
• WHETHER ARMES FINANCIAL WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
• ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF ARMES FINANCIAL PARTIES FOR ALL CLAIMS ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES EXCEED THE SUM OF ONE HUNDRED DOLLARS ($100.00), OR THE AMOUNT YOU PAID TO ARMES FINANCIAL IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

Third-Party Links & Services

Our website may contain links to third-party websites, services, or resources that are not owned or controlled by Armes Financial. These links are provided for your convenience and information only.

We do not endorse, guarantee, or assume responsibility for:

• The accuracy, reliability, or completeness of third-party content
• The privacy practices of third-party websites
• The products or services offered by third parties
• Any transactions or interactions with third-party providers

Any use of third-party websites is at your own risk and subject to their respective terms and conditions.

Modifications to These Terms

We reserve the right to modify, update, or change these Terms of Service at any time, at our sole discretion. Any changes will be effective immediately upon posting on this website.

We encourage you to review these Terms periodically to stay informed of any updates. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms.

The "Effective Date" at the top of this page indicates when these Terms were last updated.