1. Introduction
Welcome to Nicole Scrofani and Clear Legacy Financial. By accessing or using this website, nicolescrofani.com, you agree to these Terms of Service.
This website provides educational information about life insurance, financial protection, and legacy planning, along with access to free resources, training materials, and opportunities to request additional information or consultations.
If you do not agree with these Terms of Service, please discontinue use of this website.
2. Educational Information Only
The information provided on this website, including articles, videos, training materials, guides, and downloadable resources, is intended for general educational and informational purposes only.
Nothing on this website constitutes personalized financial, investment, tax, or legal advice. Information presented should not be considered a recommendation to purchase any specific insurance product or policy.
Life insurance needs, eligibility, costs, and benefits vary based on individual circumstances. Any insurance recommendations will be based on a separate review of your needs and available options.
You should consult qualified financial, tax, or legal professionals when appropriate before making decisions regarding your personal circumstances.
3. Life Insurance Products and Coverage
Clear Legacy Financial provides information about life insurance products and may assist individuals and families in exploring available coverage options.
All insurance products are subject to availability, state licensing requirements, underwriting guidelines, and approval by the issuing insurance company.
Submitting a form, requesting information, scheduling a consultation, or completing educational training does not establish insurance coverage or guarantee eligibility for a policy.
Coverage becomes effective only according to the terms and conditions established by the issuing insurance company.
Policy premiums, benefits, limitations, exclusions, and other provisions vary by product and insurer. Certain policy values, including illustrated cash value growth, may not be guaranteed.
Clear Legacy Financial and Nicole Scrofani do not guarantee policy approval, investment performance, or specific financial outcomes.
4. Free Resources and Training
This website offers complimentary educational materials, including life insurance training videos, articles, guides, checklists, and downloadable resources.
These materials are provided for personal, noncommercial educational use. You may download and print resources for your own use but may not reproduce, sell, redistribute, or commercially exploit them without prior written permission.
While reasonable efforts are made to provide accurate and useful information, materials may become outdated as insurance products, regulations, and industry practices change.
Clear Legacy Financial reserves the right to update, modify, or discontinue any free resource or training material without prior notice.
5. Website Forms and Communications
When you submit a form on this website, you agree to provide accurate information to the best of your knowledge.
Information submitted through website forms may be used to deliver requested resources, provide access to training materials, respond to inquiries, or follow up regarding services you have expressed interest in.
Submitting a form does not obligate you to purchase insurance or establish a client relationship.
Marketing emails or text messages will be sent only when you have provided the applicable consent. Consent to receive marketing communications is not a condition of purchasing insurance or accessing services.
You may unsubscribe from marketing emails using the unsubscribe link provided or opt out of text messages by replying STOP, where applicable.
Personal information is handled in accordance with our Privacy Policy.
5. Website Forms and Communications
When you submit a form on this website, you agree to provide accurate information to the best of your knowledge.
Information submitted through website forms may be used to deliver requested resources, provide access to training materials, respond to inquiries, or follow up regarding services you have expressed interest in.
Submitting a form does not obligate you to purchase insurance or establish a client relationship.
Marketing emails or text messages will be sent only when you have provided the applicable consent. Consent to receive marketing communications is not a condition of purchasing insurance or accessing services.
You may unsubscribe from marketing emails using the unsubscribe link provided or opt out of text messages by replying STOP, where applicable.
Personal information is handled in accordance with our Privacy Policy.
7. Third-Party Websites and Services
This website may contain links to third-party websites, insurance carriers, educational platforms, scheduling services, and other external resources.
These third-party websites and services operate independently and may have their own terms of service and privacy policies.
Clear Legacy Financial and Nicole Scrofani are not responsible for the content, accuracy, availability, security, or privacy practices of third-party websites.
Accessing third-party links is at your own discretion. We encourage you to review the applicable terms and privacy policies before providing personal information.
8. Limitation of Liability
Clear Legacy Financial and Nicole Scrofani make reasonable efforts to ensure that information provided on this website is accurate and up to date. However, website content is provided on an "as is" and "as available" basis without warranties of any kind, to the extent permitted by applicable law.
We do not guarantee that the website will always be available, uninterrupted, error-free, or free from technical issues.
To the fullest extent permitted by applicable law, Clear Legacy Financial and Nicole Scrofani are not liable for indirect, incidental, consequential, or special damages arising from the use of this website or reliance on its general educational content.
Nothing in these Terms of Service excludes or limits liability that cannot legally be excluded or limited, or any rights or remedies available under applicable insurance and consumer protection laws.
9. Changes to These Terms
Clear Legacy Financial and Nicole Scrofani reserve the right to update or modify these Terms of Service as needed to reflect changes in our website, services, business practices, or applicable laws.
Any updates will be posted on this page with a revised effective date.
Your continued use of this website after updated Terms of Service are posted constitutes acceptance of the revised terms, to the extent permitted by applicable law.
We encourage visitors to review this page periodically for updates.
10. Contact Information
If you have questions or concerns regarding these Terms of Service, please contact us:
Clear Legacy Financial
Nicole Scrofani
Website: www.nicolescrofani.com
Email: [email protected]
We welcome questions regarding our website, educational resources, and services.