BTO FINANCIAL WEBSITE TERMS AND CONDITIONS

Effective Date: 01/01/2026

These Terms and Conditions govern your use of the BTO Financial website. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, do not use the website.

WEBSITE PURPOSE

This website provides general educational information about insurance and financial planning concepts. It does not provide legal, tax, or personalized financial advice.

Insurance products are offered only through properly licensed agents and are subject to underwriting and carrier approval.

NO PROFESSIONAL ADVICE DISCLAIMER

All content on this website is for informational purposes only and should not be considered financial, investment, tax, or legal advice. Any decisions regarding insurance or financial products should be made only after consultation with a licensed professional.

ACCEPTABLE USE

You agree to use this website only for lawful purposes. You may not attempt to gain unauthorized access to systems, interfere with website functionality, use the website for fraudulent purposes, or copy or misuse content for commercial purposes without permission.

INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, images, videos, and design elements, is the property of BTO Financial or its licensors and is protected by applicable intellectual property laws. Unauthorized use is prohibited.

INSURANCE PRODUCT DISCLOSURES

Insurance products are subject to availability and underwriting, may vary by state, are not bank deposits, are not FDIC insured, and are not guaranteed unless expressly stated in the policy contract. No coverage is in force until a policy is issued by the insurance carrier.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, BTO Financial shall not be liable for any direct or indirect damages arising from use of this website, reliance on website content, or website interruptions.

THIRD-PARTY SERVICES

We may utilize third-party platforms for scheduling, analytics, CRM, or communications. BTO Financial is not responsible for service interruptions or errors caused by third-party providers.

INDEMNIFICATION

You agree to indemnify and hold harmless BTO Financial from any claims, damages, or expenses arising from your misuse of the website or violation of these Terms.

GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the United States and the state in which BTO Financial primarily operates, without regard to conflict-of-law principles.

CHANGES TO TERMS

We reserve the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date.

CONTACT INFORMATION

BTO Financial
Email: [email protected]
Phone: 78-930-3193