Terms of Service

Agreement to Terms

By accessing or using the SPAX Legacy Services website and services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access our services.

Services Provided

SPAX Legacy Services provides:

• Financial planning and consultation services
• Life insurance products and services
• Retirement planning strategies
• Annuities
• College fund planning
• Income replacement solutions
• Financial education resources
• Business opportunity information

Professional Licensing

SPAX Legacy Services operates under License #4414972. Our advisors are licensed to provide financial services in the United States and Canada, subject to applicable state and provincial regulations.

No Financial Advice Without Consultation

Information on this website is for general educational purposes only and should not be considered personalized financial advice. Specific recommendations are only provided after a formal consultation and assessment of your individual circumstances.

Consultation Process

Our consultation process includes:

• Initial consultation (free of charge)
• Needs assessment and financial review
• Personalized recommendations
• Product selection and application assistance
• Ongoing support and service

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties about the completeness, accuracy, or reliability of any information on our website. Financial products, rates, and regulations may change.

Client Responsibilities

As a client or prospective client, you agree to:

• Provide accurate and complete information
• Disclose all relevant financial and health information
• Review all documents and applications before signing
• Maintain regular communication regarding changes in circumstances
• Pay any applicable fees or premiums in a timely manner

Product Suitability

We recommend products based on your stated needs, goals, and circumstances. However, final product selection and application decisions rest with you. We are not responsible for decisions made contrary to our recommendations.

Third-Party Products and Services

We may recommend products from third-party insurance carriers and financial institutions. We are not responsible for the actions, products, or services of these third parties. Your relationship with insurance carriers is governed by your policy contract.

Compensation Disclosure

We may receive commissions or compensation from insurance carriers and financial institutions when you purchase products through our services. This compensation does not increase the cost of products to you.

Business Opportunity

Information about business opportunities presented on this website is for informational purposes. Success in any business opportunity depends on individual effort, skills, and circumstances. Past performance or success of others does not guarantee future results.

Limitation of Liability

To the fullest extent permitted by law, SPAX Legacy Services shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of SPAX Legacy Services and protected by copyright laws. You may not reproduce, distribute, or create derivative works without written permission.

Privacy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how we collect and use your information.

Termination

We reserve the right to terminate or suspend access to our services immediately, without prior notice, for any reason, including breach of these Terms of Service.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state where services are provided, without regard to conflict of law provisions.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of our services constitutes acceptance of the modified terms.

Contact Information

If you have questions about these Terms of Service, please contact us: