Terms of Service

1. Acceptance of Terms

By accessing or using the Blessed Foundation website and services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services. These Terms apply to all visitors, users, and members of the website.

2. Description of Services

Blessed Foundation provides educational information and consulting services related to financial planning, including but not limited to Indexed Universal Life (IUL) insurance, Fixed Indexed Annuities (FIA), life insurance, and retirement planning. Our website offers tools such as needs analysis forms, quote requests, consultation scheduling, and a member portal for plan management.

3. Not Financial Advice

The information provided on this website is for general informational and educational purposes only. It does not constitute financial, investment, tax, or legal advice. You should consult with qualified professionals before making any financial decisions. Blessed Foundation does not guarantee specific outcomes from any financial product or strategy discussed on this website.

4. User Accounts

Certain features of our Services require you to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Promptly notify us of any unauthorized access or use of your account
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or are used for unauthorized purposes.

5. Member Portal

The member portal provides access to your plan details, documents, and policy change request features. Information displayed in the portal is provided for your convenience and reference. While we strive for accuracy, you should verify all plan details with your insurance carrier directly. Policy change requests submitted through the portal are subject to review and approval by our team and the relevant insurance carrier.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Blessed Foundation or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent.

7. Prohibited Uses

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt the operation of our website
• Attempt to gain unauthorized access to any part of our Services
• Use automated systems to access our website without permission
• Harass, threaten, or harm other users or our staff

8. Third-Party Links and Services

Our website may contain links to third-party websites or services, including insurance carrier portals, scheduling tools, and social media platforms. We are not responsible for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Blessed Foundation shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services. Our total liability for any claim arising from these Terms shall not exceed the amount you paid to us, if any, during the twelve months preceding the claim.

10. Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our Services will be uninterrupted, error-free, or free of viruses or other harmful components. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Indemnification

You agree to indemnify and hold harmless Blessed Foundation, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Services or your violation of these Terms.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our Services after any changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of Bexar County, Texas.

14. Contact Us

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