Welcome to the Value Financial Protection website (the “Site”). By accessing or using this website, you agree to be bound by the following Terms of Use. Please read them carefully. If you do not agree with any part of these terms, you should not use our website.

1. Website Purpose

This website is provided for general informational purposes only. It offers content related to health and life insurance products and services, and allows visitors to request consultations or submit inquiries.

Use of this website does not create an insurance agent-client relationship.

2. No Legal or Financial Advice

The information provided on this site is not intended as legal, financial, or tax advice. You should consult with a licensed professional before making any insurance-related decisions. Product availability and eligibility may vary by state and individual circumstances.

3. Intellectual Property

All content on this site—including text, graphics, logos, images, and layout—is the property of Value Financial Protection or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, republish, distribute, or modify any content from this site without our written permission.

4. User Conduct

By using our website, you agree not to:

• Submit false or misleading information through our forms

• Attempt to access non-public areas of the site or server

• Disrupt or interfere with the security or functionality of the website

• Use this site to transmit any spam, viruses, or malicious content

We reserve the right to block or terminate access for any user who violates these terms.

5. Third-Party Links

Our website may contain links to external websites. These links are provided for convenience only. We do not endorse or control the content of third-party sites and are not responsible for their accuracy, privacy policies, or practices.

6. Disclaimer of Warranties

We strive to keep our website accurate and up-to-date, but we make no warranties or guarantees regarding the completeness, accuracy, or reliability of any information on the site.

Your use of the site is at your own risk. The site is provided “as is” without warranties of any kind, express or implied.

7. Limitation of Liability

Value Financial Protection shall not be held liable for any damages—direct, indirect, incidental, or consequential—arising from your use of, or inability to use, the website or its content.

8. Privacy

Your use of this site is also subject to our Privacy Policy, which explains how we collect and use your personal information.

9. Changes to These Terms

We reserve the right to modify these Terms of Use at any time. Updates will be posted here with a new effective date. Your continued use of the site means you accept any updated terms.