Terms of Service

Acceptance of Terms

By using this website, you agree to these Terms of Service. If you do not agree, please do not use this website.

Website Purpose

This website provides educational information about annuities and insurance-based retirement income strategies. Content is for general educational purposes only and is not financial, investment, legal, or tax advice.

No Advisory Relationship

Use of this website does not create an investment advisory relationship. Today Financial Agency is not a registered investment advisory firm unless that relationship is explicitly stated in a separate written agreement.

Insurance Product Clarification

Annuities are insurance products, not securities. Product terms and availability vary by contract, issuer, and state. Any guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

Permitted Use

You may use this website for personal, lawful, non-commercial purposes.

Prohibited Conduct

You agree not to:

• Use the site for unlawful or harmful activity
• Attempt unauthorized access to systems, data, or accounts
• Scrape, copy, or misuse content beyond normal personal use
• Interfere with site operation or security

Intellectual Property

Website content, branding, and materials are owned by Today Financial Agency or used with permission. You may not reproduce or distribute content for commercial use without written permission.

Third-Party Services and Links

This website may include links to third-party services. We are not responsible for third-party content, policies, or practices.

No Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, express or implied.

Limitation of Liability

To the maximum extent allowed by applicable U.S. law, Today Financial Agency will not be liable for damages arising from use of, or inability to use, this website or its content.

Indemnification

You agree to be responsible for claims, losses, and expenses arising from your misuse of the website or your violation of these terms.

Changes to Terms

We may update these Terms of Service at any time. Changes become effective when posted with a revised "Last Updated" date.

Applicable U.S. Law

These terms are governed by applicable laws of the United States, without regard to conflict of law principles.

Contact Us

If you have questions about these terms, contact us at:

Email: info@todayfinancialagency.com

Phone: 385-422-8331