Terms of use
The ground rules for using this website, in plain language.
Draft pending legal review. This page is a working draft and has not yet been reviewed by an attorney. Sections marked [REVIEW BY COUNSEL] need review before this page is final.
Effective date:
Agreement
apollosplanning.com is operated by [AGENCY LEGAL NAME] (“Apollos Planning,” “we,” “us”). By using this site, you agree to these terms. If you do not agree, please do not use the site. [REVIEW BY COUNSEL]
Education, not advice
Everything on this site is general education about insurance and annuities. It is not a recommendation for your situation, and it is not legal or tax advice. Apollos Planning does not offer securities or investment advice. For legal and tax questions, talk with your own attorney or tax professional.
No client relationship until we agree to work together
Reading this site, sending a form, or having an introductory conversation does not make you our client and does not create any duty for us to recommend or obtain coverage. A working relationship begins only when we both agree to it, and coverage begins only when an insurer issues a policy or contract and any required premium is paid. Please do not send health details, Social Security numbers or other sensitive information through our website forms. [REVIEW BY COUNSEL]
Calculators and tools are estimates
Educational estimate, not a quote. Our calculators and quizzes use simplified assumptions that you can see on each tool. Real premiums, income amounts and terms depend on the insurer, underwriting, your age and health, the date of purchase, and the contract you sign. Do not rely on a tool’s result to make a decision.
Licensing and availability
Insurance is offered only in states where we are licensed ([LICENSED STATES]). Products are not available in all states. Nothing on this site is an offer to sell insurance where we are not licensed. See disclosures and licensing.
Links to other sites
We link to outside sites, such as license lookups and insurer pages, for your convenience. We do not control those sites and are not responsible for their content, accuracy or privacy practices. A link is not an endorsement.
Our content
The text, illustrations and design of this site belong to Apollos Planning unless noted. You may print or share pages for personal, non-commercial use with credit. Please ask before reusing them otherwise. [REVIEW BY COUNSEL]
Acceptable use
Please do not misuse the site: no automated scraping of forms, no attempts to break its security, and no false information in forms.
Accuracy
We work to keep information accurate and to date each article’s last review. Rules, rates and products change, so information can become out of date. If you spot an error, please tell us.
Disclaimer of warranties [REVIEW BY COUNSEL]
The site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement, to the fullest extent the law allows.
Limitation of liability [REVIEW BY COUNSEL]
To the fullest extent the law allows, Apollos Planning and its owners and agents are not liable for any indirect, incidental, special or consequential damages, or for any loss arising from your use of, or reliance on, this website or its tools. This limit does not apply to our obligations under any insurance transaction, which are governed by the applicable contract and by insurance law, and it does not limit any right you have that cannot be limited by law.
Governing law [REVIEW BY COUNSEL]
These terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law rules. [VENUE / DISPUTE RESOLUTION, IF ANY]
Privacy
How we handle your information is described in our privacy notice and SMS terms.
Changes
We may update these terms. The effective date at the top of this page shows when they last changed.
Contact
Questions about these terms: phone (720) 401-1033, email [email protected].