Terms & Conditions

1. Educational Information Only

The content on this Website, including articles, explanations, examples, and planning topics, is provided for general educational and informational purposes only. It is not individualized investment, tax, accounting, insurance, or legal advice, and it should not be relied upon as the sole basis for any financial decision.

Financial products, strategies, and services may not be appropriate for every person. Before making financial decisions, consult with appropriately licensed financial, tax, and legal professionals who can review your specific circumstances.

2. No Advisor-Client Relationship

Browsing this Website, submitting a contact or consultation request, sending an email, or calling our office does not create an advisor-client, fiduciary, or professional relationship. Any such relationship is established only through a separate written agreement signed by you and National Planning Associates.

Please do not send confidential or time-sensitive financial information through the Website's forms. Requests submitted through the Website are not acted upon as instructions.

3. Investment, Insurance, and Tax Disclosures

• Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results.
• Guarantees associated with insurance and annuity products are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company.
• Tax laws and regulations are subject to change. Any discussion of tax-related strategies is general in nature and should be reviewed with a qualified tax professional.
• Examples, illustrations, and hypothetical scenarios are for illustration only and do not represent actual results or a promise of any outcome.

4. Communications and Text Messages

By submitting your contact information, you agree that we may contact you by phone, email, or text message regarding your inquiry. Consent to receive text messages is not a condition of any purchase or service.

If you opt in to text messages, message frequency may vary and message and data rates may apply. Reply STOP to opt out at any time, or HELP for assistance. Carriers are not liable for delayed or undelivered messages. Our handling of your phone number and consent records is described in our Privacy Policy.

5. Accuracy of Information

We make reasonable efforts to keep the Website accurate and current, but we do not warrant that all content is complete, accurate, or up to date. Information may contain typographical errors or become outdated, and we may change or remove content at any time without notice.

6. Intellectual Property

The Website and its content, including text, graphics, logos, images, and the National Planning Associates name and "Plan • Protect • Prosper" branding, are owned by or licensed to National Planning Associates and are protected by applicable intellectual property laws.

You may view and print content for your personal, non-commercial use. You may not copy, reproduce, modify, distribute, or republish any content without our prior written permission.

7. Acceptable Use

You agree not to:

• Use the Website for any unlawful purpose or in violation of these Terms
• Submit false, misleading, or another person's information through any form
• Attempt to gain unauthorized access to the Website, its servers, or related systems
• Introduce viruses, malicious code, or anything that interferes with the Website's operation
• Use automated tools to scrape, harvest, or collect data from the Website

8. Third-Party Links

The Website may contain links to third-party websites for your convenience. We do not control and are not responsible for the content, policies, or practices of those sites, and a link does not imply endorsement.

9. Disclaimer of Warranties

The Website and all content are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, secure, or error-free.

10. Limitation of Liability

To the fullest extent permitted by law, National Planning Associates and its owners, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Website or reliance on any content on it.

11. Indemnification

You agree to indemnify and hold harmless National Planning Associates from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the Website or your violation of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. Any dispute arising from these Terms or your use of the Website shall be brought in the state or federal courts located in Pinellas County, Florida.

13. Changes to These Terms

We may update these Terms from time to time. Changes are effective when posted on this page, and the "Last updated" date above will be revised. Your continued use of the Website after changes are posted means you accept the updated Terms.

14. Contact Us

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

• By email: jay@nationalplanningassociates.com
• By phone: 602-448-0263
• By mail: 1444 S Belcher Rd #164, Clearwater, FL 33764