1. Website purpose

This website provides general information about our business, financial topics, insurance, retirement planning, and related subjects. Its content is intended for educational and informational purposes.

2. No individualized advice

Website content is not individualized investment, financial, insurance, tax, legal, or medical advice. General information may not address your circumstances, objectives, risk tolerance, eligibility, or applicable requirements.

Consult appropriately qualified professionals before acting on information presented here. Nothing on this website is a recommendation that every visitor purchase, sell, replace, or retain any particular product or strategy.

3. No client relationship through website use

Viewing this website, sending an email, submitting a form, or requesting a meeting does not by itself establish an advisory, insurance, fiduciary, or other professional relationship. Any such relationship depends on applicable requirements and the agreements or disclosures provided for the service.

Website forms and ordinary email are not channels for placing trades, requesting transactions, binding insurance coverage, or issuing time-sensitive account instructions.

4. Availability and eligibility

Products and services described may not be available in every jurisdiction or appropriate for every person. Availability depends on applicable licensing, registration, eligibility, carrier rules, and other requirements.

Website information is not an offer to provide a service or product where doing so would be unlawful.

5. Financial and insurance information

Investments involve risk, including possible loss of principal. Past performance does not guarantee future results. Illustrations, examples, projections, and calculators are not promises of actual outcomes.

Insurance and annuity benefits depend on the issuing insurer, contract terms, limitations, exclusions, and applicable claims-paying ability. Review actual policy and contract documents before making a decision.

6. Medicare and government information

Medicare information is educational. Eligibility, enrollment rights, coverage, premiums, deductibles, provider networks, and prescription formularies may change.

Confirm current details with Medicare, Social Security, the applicable government agency, or the relevant insurer. Certified Financial Group, LLC is not affiliated with or endorsed by Medicare or any government agency.

7. Accuracy and website availability

Content may contain errors, omissions, or information that has become outdated. We may change or remove content and features. We do not guarantee continuous website availability or that every feature will operate without interruption.

To the extent permitted by law, website content is provided “as is” and “as available,” without warranties of accuracy, completeness, or suitability for a particular purpose.

8. Permitted use

You may use the website for lawful personal and informational purposes. You agree not to:

• Attempt unauthorized access to systems, accounts, or data.
• Introduce malicious code or interfere with website operation.
• Submit fraudulent, misleading, unlawful, or abusive material.
• Use website forms for spam or unauthorized solicitation.
• Copy or commercially exploit protected content without permission or another lawful basis.

9. Intellectual property

Website text, graphics, logos, designs, and other materials are owned by or licensed to their respective owners and may be protected by intellectual property law. Website access does not transfer ownership of those materials.

These terms do not restrict uses otherwise permitted by law. Third-party names and marks remain the property of their respective owners.

10. External links and third-party tools

Links, embedded content, and third-party tools are provided for convenience. Their availability does not by itself constitute endorsement. Third-party content and services are subject to their own terms, privacy policies, and coverage or eligibility requirements.

11. Information you submit

Provide accurate information when contacting us and submit only information you are authorized to share. Do not send account credentials, Social Security numbers, medical records, or other sensitive information through general website forms.

Our handling of personal information is described in the website Privacy Policy and any applicable client privacy notices.

12. Limitations and preserved rights

To the extent permitted by applicable law, we are not responsible for losses caused by reliance on general website information, interruptions, or third-party websites and services.

Nothing in these terms excludes liability that cannot lawfully be excluded, waives nonwaivable consumer or investor rights, or limits obligations imposed by applicable law or a separate professional agreement.

13. Changes and separate agreements

We may revise these terms by posting updated text, with additional notice or agreement where legally required. Separate written service agreements and required disclosures govern the professional services to which they apply.

The current date above updates automatically for your local time. It is not a terms revision date.