Terms of Service

1. Agreement to Terms

By accessing or using the website and services of Spaulding Financial Unlimited ("Company," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services.

2. Description of Services

Spaulding Financial Unlimited provides financial planning, insurance, retirement planning, and related financial services. Our services include but are not limited to:

• Life insurance and annuities
• Retirement and financial planning
• Medicare planning and guidance
• Group insurance for businesses
• Individual and family insurance solutions
• Tax strategy and cost segregation services

3. Professional Relationship

The information provided on our website is for general informational purposes only and does not constitute financial, legal, or tax advice. A formal client relationship is established only through a signed engagement agreement. Until such an agreement is executed, no advisory or fiduciary relationship exists.

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Not interfere with or disrupt our services or servers
• Not attempt to gain unauthorized access to our systems

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Spaulding Financial Unlimited or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

6. Disclaimer of Warranties

OUR SERVICES AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• Our services will meet your specific requirements
• Our services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our services will be accurate or reliable
• Any errors in our services will be corrected

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SPAULDING FINANCIAL UNLIMITED SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your access to or use of (or inability to access or use) our services
• Any conduct or content of any third party on our services
• Unauthorized access, use, or alteration of your transmissions or content

8. Indemnification

You agree to indemnify, defend, and hold harmless Spaulding Financial Unlimited, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our services, your violation of these Terms, or your violation of any third-party rights.

9. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

View our Privacy Policy

10. Third-Party Links and Services

Our website may contain links to third-party websites or services that are not owned or controlled by Spaulding Financial Unlimited. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

11. Regulatory Compliance

Spaulding Financial Unlimited operates in compliance with applicable federal and state laws and regulations governing financial services, insurance, and investment advisory services. Our services are subject to oversight by relevant regulatory authorities.

12. Modification of Services

We reserve the right to modify, suspend, or discontinue any part of our services at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of our services.

13. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use our services will immediately cease.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in Broward County, Florida, except that either party may seek injunctive relief in a court of competent jurisdiction.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published on our website, constitute the entire agreement between you and Spaulding Financial Unlimited regarding your use of our services.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our services after such modifications constitutes your acceptance of the updated Terms.

18. Contact Information

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