Terms of Use
These Terms of Use (“Terms”) govern your use of the website operated by Gary Penn Financial & Insurance Strategies (“Company,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use this website.
1. Who We Are
Business Name: Gary Penn Financial & Insurance Strategies
Address: 989 Davey Lane, The Villages, FL 32163
Phone: 859-325-5781
Email: garypennins@gmail.com
2. Informational Purposes Only
The content on this website is provided for general informational and educational purposes only and does not constitute individualized financial, investment, tax, or legal advice. You should not act or refrain from acting based solely on information presented here without seeking appropriate professional advice that considers your personal circumstances.
3. No Client Relationship Created by Website Use
Your use of this website, including sending us a message through any contact form, does not by itself create a client relationship between you and the Company. A client relationship is established only after we have entered into a written agreement with you.
4. User Responsibilities
By using this website, you agree that you will not:
- Use the site for any unlawful purpose or in violation of any applicable law or regulation.
- Attempt to gain unauthorized access to any portion of the site, our systems, or the systems of our service providers.
- Introduce any malicious or harmful code, including viruses or malware.
- Use the site in any manner that could interfere with other users’ access or damage the site’s functionality.
5. Intellectual Property
Unless otherwise noted, all content on this website—including text, graphics, logos, images, and other materials—is owned or licensed by the Company and is protected by applicable intellectual property laws. You may view and download content for your own personal, non-commercial use. You may not copy, reproduce, modify, distribute, or create derivative works based on any content from this site without our prior written permission.
6. Third-Party Links
This website may contain links to third-party websites or resources. These links are provided for your convenience only. We do not control and are not responsible for the content, products, services, or privacy practices of any third-party websites. Accessing third-party links is at your own risk.
7. No Warranties
While we strive to keep information on this website accurate and current, the site and all content are provided on an “as is” and “as available” basis, without warranties of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
8. Limitation of Liability
To the fullest extent permitted by law, in no event shall the Company, its owners, employees, or representatives be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of profits or data, arising out of or in connection with your use of, or inability to use, this website—even if we have been advised of the possibility of such damages. Your sole and exclusive remedy for dissatisfaction with the site is to stop using it.
9. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its owners, employees, and representatives from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the website or any violation of these Terms.
10. Privacy
Your use of this website may involve the submission of personal information. Our collection and use of such information are described in our Privacy Policy, which is incorporated into these Terms by reference.
11. Changes to the Website and These Terms
We may update, modify, or discontinue any part of this website at any time, with or without notice. We may also update these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the website after changes have been posted constitutes your acceptance of the updated Terms.
12. Governing Law
These Terms and any disputes related to your use of this website shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws principles.
13. Contact Us
If you have questions about these Terms, please contact us at:
Gary Penn Financial & Insurance Strategies
989 Davey Lane
The Villages, FL 32163
Phone: 859-325-5781
Email: garypennins@gmail.com
These Terms of Use are provided for general informational purposes and do not constitute legal advice. You should consult with your own legal counsel to ensure that your website terms and related disclosures comply with all applicable laws and regulations.