Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the website operated by The Agency (“The Agency,” “we,” “us,” or “our”), including its content, online forms, appointment scheduling features, portals, resources, and related digital services (collectively, the “Website”).

By accessing or using the Website, you agree to these Terms. If you do not agree, please discontinue use of the Website.

General Information Only

Information provided on the Website is intended for general educational and informational purposes.

Nothing on the Website should be construed as individualized legal, tax, investment, financial, insurance, accounting, or other professional advice.

Individual circumstances vary significantly. You should obtain professional guidance appropriate to your individual circumstances before making legal, financial, estate planning, retirement, insurance, tax, or investment decisions.

Professional Services

Accessing the Website, submitting information, scheduling an appointment, completing an intake questionnaire, or using any Website feature does not constitute a recommendation or determination that any particular estate planning, financial, retirement, insurance, tax, or other strategy is appropriate for you.

Recommendations concerning estate planning, retirement planning, insurance products, financial strategies, or related matters are made only after consideration of the information and circumstances relevant to the individual client.

No Investment or Financial Advisory Relationship

Information presented on the Website does not, by itself, establish an investment advisory, fiduciary, brokerage, insurance, or financial-planning relationship.

Any recommendation regarding a particular financial or insurance product will depend upon the client’s individual circumstances, objectives, financial condition, risk tolerance, eligibility, product availability, and applicable regulatory requirements.

No Guarantee of Results

Financial markets, interest-crediting strategies, insurance products, tax laws, estate planning laws, and individual circumstances may change.

Past performance does not guarantee future results.

No statement on the Website should be interpreted as a guarantee of investment performance, interest crediting, income, tax savings, asset protection, probate avoidance, Medicaid eligibility, estate planning results, or any other particular outcome.

Insurance and Financial Products

Insurance and financial products may contain limitations, exclusions, surrender charges, withdrawal restrictions, eligibility requirements, tax consequences, and other terms.

Any product-specific decision should be based upon the applicable contract, policy, disclosure materials, carrier documentation, and individualized analysis—not Website content alone.

Insurance product guarantees are subject to the claims-paying ability of the issuing insurance company.

Tax Information

The Website may discuss tax concepts in connection with retirement, estate, insurance, or financial planning. Such information is educational and should not be construed as individualized tax advice.

Users should consult an appropriately qualified tax professional concerning their individual circumstances.

Estate Planning Information

Estate planning information provided through the Website is general in nature. Estate planning laws vary by jurisdiction and may change over time.

Documents, structures, or strategies appropriate for one individual or family may not be appropriate for another. Estate planning recommendations should be based upon a review of the individual’s circumstances, objectives, assets, family considerations, and applicable law.

Appointment Scheduling

The Website may permit users to request or schedule consultations, discovery meetings, planning meetings, or other appointments.

Submitting an appointment request does not guarantee the availability of any particular service, professional, date, or time.

We reserve the right to reschedule, cancel, or decline appointments when appropriate.

Client Portals

Certain clients may receive access to password-protected portals or other secure systems.

You are responsible for maintaining the confidentiality of your login credentials and for activity conducted through your account.

You must promptly notify us if you believe your credentials or account have been compromised.

Acceptable Use

You agree not to:

• Attempt unauthorized access to the Website or related systems;
• Circumvent Website security;
• Introduce viruses, malicious code, or harmful technology;
• Scrape or systematically extract Website content without authorization;
• Impersonate another person;
• Submit false, fraudulent, or misleading information;
• Interfere with Website functionality; or
• Use the Website for unlawful purposes.

Intellectual Property

Unless otherwise stated, the Website and its content—including text, graphics, logos, photographs, videos, educational materials, planning methodologies, downloads, presentations, and other materials—are owned by or licensed to The Agency and are protected by applicable intellectual property laws.

No content may be reproduced, distributed, modified, republished, commercially exploited, or used to create derivative works without prior written authorization, except as permitted by law.

Third-Party Links and Services

The Website may contain links to or integrations with third-party websites, financial institutions, insurance companies, scheduling systems, portals, or other service providers.

We do not control and are not responsible for third-party websites, content, security, availability, or privacy practices.

A link does not necessarily constitute endorsement of a third party.

Website Availability and Accuracy

We endeavor to provide accurate and useful information but do not warrant that Website content will always be complete, current, error-free, or applicable to every circumstance.

We may modify, suspend, discontinue, or restrict any portion of the Website without notice.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE AGENCY AND ITS OWNERS, PROFESSIONALS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE WEBSITE.

Nothing in these Terms excludes liability that cannot legally be excluded or limited.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless The Agency and its owners, employees, contractors, affiliates, and representatives from claims, damages, liabilities, costs, or expenses resulting from your unlawful use of the Website or material violation of these Terms.

Privacy

Use of the Website is also governed by our Privacy Policy and Cookie Policy.

Governing Law

These Terms shall be governed by the laws of the State of Maryland, without regard to conflict-of-law principles, except where applicable federal law provides otherwise.

Changes to These Terms

We may update these Terms periodically. Revised Terms will become effective when posted unless otherwise stated.

Continued use of the Website following an update constitutes acceptance of the revised Terms to the extent permitted by law.

Contact

Questions concerning these Terms may be directed to: