Terms and Conditions and Consent Agreement

1. IMPORTANT LEGAL NOTICE

PLEASE READ THESE TERMS AND CONDITIONS AND CONSENT AGREEMENT CAREFULLY BEFORE ACCESSING, USING, SUBMITTING INFORMATION THROUGH, OR OTHERWISE INTERACTING WITH ANY WEBSITE, LANDING PAGE, FORM, ADVERTISEMENT, FREE GUIDE, DOWNLOADABLE RESOURCE, CONSULTATION REQUEST, COMMUNICATION CHANNEL, OR OTHER SERVICE OPERATED BY CRI FINANCIALS.

These Terms and Conditions and Consent Agreement, collectively referred to as the “Terms,” constitute a legally binding agreement between you and CRI Financials concerning your access to and use of the Company’s websites, landing pages, advertisements, forms, free guides, educational materials, consultations, insurance-related information, communications, and related services.

By accessing or using any Company service, downloading or requesting any free resource, submitting a form, scheduling a consultation, providing your contact information, clicking a button indicating agreement, or otherwise affirmatively accepting these Terms, you acknowledge that you have read, understood, and agreed to be legally bound by them.

If you do not agree to these Terms, you must not access or use the Services or submit your information through any Company form.

Nothing in these Terms eliminates or limits any right or remedy that cannot lawfully be waived under applicable federal or state law.

2. PARTIES AND DEFINITIONS

For purposes of these Terms:

“Company,” “CRI Financials,” “we,” “us,” and “our” refer to CRI Financials and, where applicable, its owners, licensed insurance agents, representatives, contractors, service providers, successors, and permitted assigns.

“User,” “you,” and “your” refer to any person who accesses, visits, uses, downloads, requests, submits information through, communicates with, or otherwise interacts with the Services.

“Services” means all educational content, free information products, insurance-related information, consultations, guides, reports, checklists, downloadable materials, advertisements, landing pages, forms, referrals, email communications, text messages, telephone communications, digital content, and other services provided or facilitated by the Company.

“Content” means all text, graphics, videos, audio recordings, presentations, guides, reports, frameworks, systems, methodologies, worksheets, documents, advertisements, educational materials, website content, and other intellectual property made available by or through the Company.

“Insurance Products” means life insurance policies and any other insurance products that may be presented, discussed, illustrated, or offered by a properly licensed insurance professional where legally authorized.

3. SCOPE OF SERVICES

CRI Financials provides free educational and informational content concerning life insurance, financial protection concepts, retirement-related considerations, tax-advantaged concepts where applicable, and other general financial education topics. The Company may also provide opportunities for Users to request consultations and obtain information regarding life insurance products from a properly licensed insurance professional.

The Company’s lead generation activities may include free guides, downloadable resources, landing pages, digital advertisements, online forms, referrals, educational content, consultations, email campaigns, telephone communications, and text messaging.

Availability of any particular insurance product, policy, feature, rider, benefit, premium, illustrated value, tax treatment, underwriting classification, or coverage amount is subject to applicable law, state availability, carrier rules, licensing requirements, underwriting, policy terms, exclusions, limitations, and other factors.

Submission of information through a Company form does not guarantee eligibility for insurance coverage, approval of an application, issuance of a policy, a particular underwriting classification, or any specific premium or policy outcome.

4. EDUCATIONAL PURPOSE ONLY

All information, Content, guides, reports, advertisements, illustrations, communications, consultations, and other materials made available through the Services are provided for general educational and informational purposes unless expressly identified otherwise in a formal insurance application, carrier-approved illustration, policy contract, or other legally operative document.

Educational Content may discuss general concepts involving life insurance, retirement planning considerations, financial protection, cash value accumulation, tax treatment, market risk, estate considerations, income strategies, or related topics. Such Content is intended to promote general understanding and should not be interpreted as an individualized recommendation or professional advice.

Users are responsible for evaluating their own financial circumstances, objectives, risk tolerance, insurance needs, tax situation, legal circumstances, and other relevant considerations before making any decision.

5. NO PROFESSIONAL ADVICE DISCLAIMER

Unless expressly stated in writing and legally authorized, CRI Financials does not provide legal, tax, accounting, securities, investment, or fiduciary advice.

Nothing contained in the Services shall be interpreted as:

(a) legal advice;

(b) tax advice;

(c) accounting advice;

(d) investment advice;

(e) securities advice;

(f) a fiduciary recommendation;

(g) a guarantee concerning the tax treatment of any insurance product;

(h) a recommendation to buy, sell, hold, exchange, surrender, or replace any security or investment; or

(i) a substitute for advice from an attorney, certified public accountant, tax professional, registered investment adviser, securities professional, or other appropriately qualified professional.

The Company may provide general educational information concerning concepts such as taxation, retirement income, cash value life insurance, indexed universal life insurance, policy loans, withdrawals, death benefits, insurance riders, market indexes, downside protection features, or other financial topics. Such general information does not create an attorney-client, accountant-client, investment adviser-client, fiduciary, or similar professional relationship.

Users should consult appropriately qualified professionals regarding their individual circumstances before acting upon information obtained through the Services.

6. INSURANCE DISCLOSURES

Insurance products are subject to the terms, conditions, exclusions, limitations, underwriting requirements, and contractual provisions of the issuing insurance carrier.

Life insurance policy approval and pricing may depend on factors including age, health, medical history, occupation, lifestyle, tobacco or nicotine use, financial justification, state of residence, underwriting guidelines, and other carrier requirements.

Any insurance illustration is hypothetical unless expressly stated otherwise. Non-guaranteed policy values may be higher or lower than illustrated and may change based on interest crediting, index performance where applicable, policy charges, premium payments, loans, withdrawals, carrier practices, and other factors.

Policy loans and withdrawals may reduce cash value and death benefits and may have tax consequences. A policy that lapses or is surrendered with an outstanding loan may create taxable income. Tax laws may change, and individual tax treatment depends upon specific circumstances.

No insurance coverage exists merely because a User requests information, completes a lead form, participates in a consultation, receives an illustration, submits preliminary information, or makes an initial inquiry. Coverage exists only when issued and placed in force in accordance with the applicable carrier’s requirements.

7. NO GUARANTEES AND NO INCOME CLAIMS

CRI Financials makes no guarantee, promise, representation, or warranty regarding:

(a) financial results;

(b) income generation;

(c) investment performance;

(d) insurance approval;

(e) policy issuance;

(f) premium rates;

(g) underwriting classifications;

(h) cash value accumulation;

(i) credited interest;

(j) index performance;

(k) tax savings;

(l) tax-free income;

(m) retirement income;

(n) death benefit amounts;

(o) business success;

(p) wealth accumulation; or

(q) any other financial or insurance-related outcome.

Any examples, illustrations, case studies, hypothetical scenarios, projections, historical information, or testimonials are provided solely for educational purposes and do not guarantee future results.

Past performance of any market index, financial instrument, insurance crediting strategy, or other benchmark does not guarantee future performance.

The User acknowledges that financial and insurance outcomes vary according to individual circumstances and factors beyond the Company’s control.

8. PAYMENT TERMS

Certain Services or products may be offered without charge. If the Company offers paid products or services, all fees, prices, payment schedules, and applicable terms will be disclosed at or before the time of purchase.

By making a purchase, the User authorizes the Company or its authorized payment processor to charge the payment method provided for all applicable fees and charges.

The User is responsible for providing accurate billing and payment information.

The Company reserves the right to modify pricing prospectively, discontinue paid offerings, refuse transactions where legally permitted, and use third-party payment processors.

9. REFUND POLICY

Unless expressly stated otherwise in writing at the time of purchase, all purchases are final and non-refundable to the maximum extent permitted by applicable law.

No refund will be provided solely because a User:

(a) changes their mind;

(b) fails to use a purchased product or service;

(c) does not achieve an expected result;

(d) misunderstands educational Content that was accurately described;

(e) fails to complete training or educational materials; or

(f) experiences circumstances outside the Company’s reasonable control.

Nothing in this section limits any non-waivable refund, cancellation, rescission, free-look, or other consumer right provided by applicable law or by the contractual terms governing an insurance policy.

Any insurance premium refund, policy cancellation, free-look period, surrender, or rescission right is governed by the applicable insurance policy, issuing carrier requirements, and applicable law.

10. LEAD MAGNET AND FREE CONTENT DISCLAIMER

The Company may offer free guides, reports, checklists, educational resources, webinars, videos, consultations, or other Content in exchange for contact information or other requested information.

Free Content is provided for general educational purposes and may contain simplified explanations of complex insurance, financial, retirement, tax, or legal concepts.

The User agrees not to rely exclusively upon free Content when making financial, insurance, tax, legal, investment, or retirement decisions.

Free Content may contain examples based on hypothetical assumptions that do not reflect the User’s individual circumstances. The Company does not guarantee that any concept, strategy, policy design, product, feature, or result discussed in free Content will be available, suitable, or appropriate for any particular User.

11. USER REPRESENTATIONS AND RESPONSIBILITIES

By using the Services, you represent and warrant that:

(a) you are at least eighteen years of age or have reached the age of legal majority in your jurisdiction;

(b) you have legal capacity to enter into these Terms;

(c) all information you provide is truthful and accurate to the best of your knowledge;

(d) you will not use the Services for unlawful, fraudulent, abusive, or deceptive purposes;

(e) you will independently evaluate information before making significant financial, legal, tax, investment, or insurance decisions; and

(f) you understand that educational information does not replace individualized professional advice.

You are solely responsible for decisions made based upon your personal circumstances and for obtaining professional advice where appropriate.

12. ASSUMPTION OF RISK

By accessing or using the Services, you knowingly and voluntarily assume the risks associated with relying upon general educational information, financial concepts, insurance illustrations, hypothetical examples, projections, or other Content.

Such risks may include financial loss, unexpected tax consequences, policy lapse, reduced death benefits, reduced cash values, changes in insurance costs, differences between illustrated and actual policy performance, changes in law, changes in tax treatment, carrier insolvency risk subject to applicable guaranty association protections, and other financial consequences.

You acknowledge that insurance products may involve costs, surrender charges, limitations, exclusions, policy expenses, underwriting requirements, and other risks.

You accept responsibility for reviewing actual policy contracts, carrier illustrations, disclosures, applications, and other official documents before making an insurance purchasing decision.

13. COMMUNICATIONS CONSENT

By voluntarily providing your telephone number, mobile number, email address, or other contact information through a Company website, landing page, form, advertisement, guide request, consultation request, referral process, or other affirmative submission mechanism, and where required by applicable law by affirmatively checking a consent box or otherwise electronically agreeing, you authorize CRI Financials to contact you regarding your inquiry, requested information, educational resources, appointments, insurance-related products and services, promotional offers, and related marketing communications.

Subject to applicable law and the scope of your consent, communications may be made by:

(a) telephone call;

(b) text message or SMS;

(c) email;

(d) voicemail;

(e) prerecorded or artificial voice message where lawfully authorized;

(f) automated messaging technology where lawfully authorized; and

(g) other electronic communication methods.

Where applicable, you expressly consent to receive marketing calls and text messages at the telephone number you provide, including communications that may use an automatic telephone dialing system, artificial or prerecorded voice, or other automated technology, to the extent permitted by applicable law and covered by your consent.

Message frequency may vary. Message and data rates may apply.

Consent to receive marketing communications is not a condition of purchasing any goods or services.

You represent that you are the subscriber or customary user of any telephone number you provide and that you are authorized to consent to communications at that number. You agree to promptly notify the Company if you relinquish or transfer a telephone number previously provided.

The Company intends to conduct marketing communications in accordance with applicable federal and state laws, including applicable provisions of the Telephone Consumer Protection Act and related regulations. The precise legal requirements governing calls, texts, prerecorded messages, automated technology, consent, and revocation may vary according to the communication method, technology used, jurisdiction, purpose of the communication, and other circumstances.

14. OPT-OUT AND REVOCATION OF COMMUNICATION CONSENT

You may opt out of promotional text messages by replying STOP to a text message where that functionality is available.

You may unsubscribe from promotional emails by using the unsubscribe link contained in the email, where provided, or by contacting the Company at contact@criwealthmanagementgroup.com.

You may request to stop promotional telephone calls by informing the Company during a call or by contacting the Company using the contact information stated in these Terms.

The Company will process valid opt-out and revocation requests in accordance with applicable law. Certain non-promotional communications may continue where legally permitted or necessary to respond to an active request, administer an existing transaction, provide required notices, maintain records, or comply with law.

15. ELECTRONIC COMMUNICATIONS AND ELECTRONIC CONSENT

By using the Services and electronically accepting these Terms, you consent to receiving agreements, disclosures, notices, records, and other communications electronically where permitted by law.

Your electronic acceptance, including clicking an acceptance button, checking a consent box, submitting a form after receiving conspicuous notice, or using another legally recognized electronic method, may constitute your electronic signature and agreement.

You are responsible for maintaining accurate contact information and access to the electronic systems necessary to receive communications.

16. INTELLECTUAL PROPERTY RIGHTS

All Content made available through the Services, including without limitation:

(a) guides;

(b) reports;

(c) checklists;

(d) ebooks;

(e) educational documents;

(f) videos;

(g) audio recordings;

(h) presentations;

(i) training materials;

(j) frameworks;

(k) systems;

(l) methodologies;

(m) processes;

(n) worksheets;

(o) illustrations created by the Company;

(p) advertising copy;

(q) website copy;

(r) graphics;

(s) logos;

(t) branding elements; and

(u) other original materials,

is owned by or licensed to the Company and is protected by applicable copyright, trademark, trade secret, unfair competition, and other intellectual property laws.

The Company grants Users a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use Content solely for personal, lawful, non-commercial educational purposes.

No ownership rights are transferred to the User.

17. ACCEPTABLE USE OF MATERIALS

Without prior written authorization from the Company, Users may not:

(a) reproduce Content for commercial purposes;

(b) copy, republish, resell, sublicense, distribute, or publicly display Content;

(c) remove copyright, trademark, attribution, or proprietary notices;

(d) create derivative commercial products from Company Content;

(e) use Company frameworks, systems, methodologies, training materials, or documents to create competing products or services;

(f) scrape, harvest, systematically download, or extract Content through automated means;

(g) falsely claim authorship or ownership of Company Content;

(h) share paid or restricted Content with unauthorized persons;

(i) use Content to mislead, defraud, or harm another person; or

(j) use the Services in violation of applicable law.

Unauthorized use may result in termination of access and pursuit of available legal remedies.

18. PROTECTION AGAINST MISUSE AND UNAUTHORIZED RELIANCE

The User agrees not to present, distribute, or characterize general educational Content as individualized legal, tax, investment, fiduciary, accounting, or insurance advice.

The Company shall not be responsible for losses arising from:

(a) modification of Company Content by a third party;

(b) removal of disclaimers or disclosures;

(c) unauthorized redistribution;

(d) reliance upon incomplete excerpts;

(e) use of outdated versions of Content;

(f) application of general information without consideration of individual circumstances; or

(g) any other misuse beyond the Company’s reasonable control.

19. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

THE COMPANY DISCLAIMS, TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, AND RESULTS.

THE COMPANY DOES NOT WARRANT THAT:

(a) THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE;

(b) ALL CONTENT WILL ALWAYS BE CURRENT OR COMPLETE;

(c) ANY PARTICULAR INSURANCE PRODUCT WILL BE AVAILABLE;

(d) ANY USER WILL QUALIFY FOR INSURANCE;

(e) ANY ILLUSTRATED OR EXPECTED FINANCIAL RESULT WILL OCCUR; OR

(f) DIGITAL SYSTEMS WILL BE COMPLETELY FREE FROM SECURITY RISKS, MALWARE, OR TECHNICAL FAILURES.

Nothing in this section disclaims warranties that cannot legally be disclaimed.

20. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CRI FINANCIALS AND ITS OWNERS, AGENTS, REPRESENTATIVES, CONTRACTORS, AFFILIATES, SERVICE PROVIDERS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST INCOME, LOST SAVINGS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITY, TAX CONSEQUENCES, INVESTMENT LOSSES, OR OTHER ECONOMIC LOSS ARISING OUT OF OR RELATED TO THE SERVICES, CONTENT, COMMUNICATIONS, OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR DAMAGES RESULTING FROM:

(a) reliance on educational Content as individualized professional advice;

(b) insurance carrier decisions;

(c) underwriting decisions;

(d) policy performance;

(e) changes in interest rates, index performance, policy charges, tax laws, regulations, or carrier practices;

(f) inaccurate information supplied by a User;

(g) unauthorized third-party conduct;

(h) technical failures;

(i) third-party websites or services; or

(j) circumstances beyond the Company’s reasonable control.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF THE AMOUNT ACTUALLY PAID DIRECTLY BY THE USER TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY OR ONE HUNDRED UNITED STATES DOLLARS ($100).

This limitation does not apply where prohibited by applicable law.

21. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless CRI Financials and its owners, agents, representatives, contractors, service providers, affiliates, successors, and assigns from and against claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising from or relating to:

(a) your unlawful use of the Services;

(b) your violation of these Terms;

(c) your infringement of another person’s intellectual property or other legal rights;

(d) false, inaccurate, or misleading information knowingly provided by you;

(e) your unauthorized redistribution or commercial exploitation of Company Content; or

(f) your fraud, willful misconduct, or violation of applicable law.

This provision shall not require indemnification for matters for which indemnification is prohibited by applicable law.

22. THIRD-PARTY LINKS AND SERVICES

The Services may contain links to websites, applications, insurance carriers, technology providers, payment processors, scheduling systems, social media platforms, or other resources operated by third parties.

The Company does not control and is not responsible for the content, availability, security, privacy practices, terms, accuracy, or conduct of third-party services.

The inclusion of a third-party link does not necessarily constitute endorsement, sponsorship, or guarantee.

Users access third-party services at their own risk and should review the applicable third party’s terms and privacy policies.

23. INSURANCE CARRIERS AND THIRD-PARTY PRODUCT PROVIDERS

CRI Financials may provide information concerning products issued by third-party insurance carriers. The issuing carrier, rather than CRI Financials, is responsible for the contractual obligations contained in an issued insurance policy.

Carrier-approved policy contracts, endorsements, riders, illustrations, disclosures, and other official documents control over conflicting summaries, advertisements, educational materials, or informal communications.

Product availability varies by jurisdiction and may be subject to licensing, appointment, suitability, underwriting, and other legal or carrier requirements.

24. PRIVACY AND INFORMATION SUBMISSIONS

The Company’s collection, use, storage, and disclosure of personal information may be governed by a separate privacy policy and applicable law.

Users should not submit highly sensitive information through general website forms unless specifically requested through an appropriate and authorized process.

Information submitted for an insurance application may be subject to additional disclosures, authorizations, carrier privacy notices, underwriting processes, consumer reporting requirements, and other legally required documentation.

25. NO CREATION OF FIDUCIARY OR OTHER SPECIAL RELATIONSHIP

Accessing Content, downloading a guide, submitting a form, communicating with the Company, or participating in a general consultation does not by itself create an attorney-client, accountant-client, investment advisory, securities brokerage, fiduciary, or other special professional relationship.

An insurance producer-client relationship, where applicable, shall be subject to applicable law, licensing requirements, actual communications, applications, carrier relationships, and the facts of the specific transaction.

26. ARBITRATION AGREEMENT

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except for disputes that cannot legally be subject to mandatory arbitration and requests for temporary or preliminary injunctive relief concerning actual or threatened infringement, misuse, or misappropriation of intellectual property, any dispute, controversy, or claim arising out of or relating to these Terms, the Services, Content, communications, advertising, marketing, lead generation, consent, insurance-related interactions, or the relationship between the User and the Company shall be resolved through final and binding individual arbitration to the maximum extent permitted by law.

Before initiating arbitration, the complaining party shall provide written notice describing the dispute and requested relief and allow the other party at least thirty days to attempt an informal resolution, unless applicable law requires otherwise.

Unless the parties agree otherwise, arbitration shall take place in Charlotte, North Carolina, or remotely where permitted by the applicable arbitration rules and agreed upon or ordered by the arbitrator.

The arbitration shall be administered by a nationally recognized arbitration provider mutually agreed upon by the parties. If the parties cannot agree upon a provider, either party may seek appointment or designation of an appropriate arbitration forum or arbitrator by a court of competent jurisdiction as permitted by law.

The arbitrator shall have authority to award relief available under applicable law on an individual basis, subject to the lawful limitations contained in these Terms.

Nothing in this section prevents either party from bringing an individual claim in small claims court if the claim qualifies and remains solely within that court’s jurisdiction.

27. WAIVER OF JURY TRIAL

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, CONTENT, COMMUNICATIONS, MARKETING, INSURANCE-RELATED INTERACTIONS, OR THE PARTIES’ RELATIONSHIP.

If a dispute is determined not to be subject to arbitration, this jury trial waiver shall apply to court proceedings to the maximum extent permitted by law.

28. CLASS ACTION WAIVER

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL DISPUTES SHALL BE BROUGHT SOLELY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party’s individual claim, except where applicable law requires otherwise.

If any portion of this class action waiver is determined unenforceable with respect to a particular claim or form of relief, that portion shall be severed and handled as required by applicable law.

29. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to conflict-of-law principles, except to the extent superseded by applicable federal law.

For disputes that are not subject to arbitration, the parties consent to the jurisdiction and venue of the state and federal courts having jurisdiction over Charlotte, Mecklenburg County, North Carolina, unless applicable law requires a different forum.

30. COMPLIANCE WITH APPLICABLE LAW

The Company intends to conduct its activities in accordance with applicable federal and state laws governing insurance, advertising, consumer protection, electronic communications, telemarketing, privacy, and related matters.

Nothing in these Terms authorizes the Company or any User to engage in conduct prohibited by applicable law.

If a provision of these Terms conflicts with a mandatory legal requirement that cannot be waived, the mandatory legal requirement shall control solely to the extent of the conflict.

31. MODIFICATION OF TERMS

The Company may modify these Terms from time to time to reflect changes in law, regulation, business practices, technology, Services, or operational requirements.

Updated Terms will become effective when posted or on any later effective date expressly identified in the updated Terms, subject to applicable law.

Material changes affecting existing contractual rights will be handled in accordance with applicable legal requirements.

Continued use of the Services after updated Terms become effective constitutes acceptance of those updated Terms where such acceptance is legally valid.

32. TERMINATION OR SUSPENSION OF ACCESS

The Company may suspend, restrict, or terminate access to the Services where reasonably necessary due to:

(a) violation of these Terms;

(b) suspected fraud;

(c) unlawful activity;

(d) misuse of intellectual property;

(e) threats to security or system integrity;

(f) abusive conduct; or

(g) discontinuation of a Service.

Termination does not affect rights or obligations that accrued before termination or provisions that by their nature should survive.

33. FORCE MAJEURE

The Company shall not be liable for delay, interruption, or failure to perform caused by events beyond its reasonable control, including natural disasters, severe weather, acts of government, changes in law, war, terrorism, civil unrest, labor disputes, internet failures, telecommunications outages, cybersecurity incidents, power outages, pandemics, carrier system failures, third-party service interruptions, or other events beyond reasonable control.

34. SEVERABILITY

If any provision of these Terms is determined by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permitted by law or severed where necessary, and the remaining provisions shall remain in full force and effect.

35. NO WAIVER

Failure by the Company to enforce any provision of these Terms shall not constitute a waiver of that provision or any other right.

Any waiver must be in writing and authorized by the party against whom the waiver is asserted, unless applicable law provides otherwise.

36. ASSIGNMENT

The User may not assign or transfer rights or obligations under these Terms without prior written consent from the Company.

The Company may assign these Terms in connection with a merger, acquisition, sale of assets, corporate restructuring, business transfer, or other lawful transaction, subject to applicable law.

37. SURVIVAL

Provisions concerning intellectual property, acceptable use, disclaimers, limitation of liability, indemnification, dispute resolution, arbitration, jury trial waiver, class action waiver, governing law, and any other provisions that by their nature should survive shall remain effective following termination of access or use.

38. ENTIRE AGREEMENT

These Terms, together with any applicable privacy policy, specific purchase terms, insurance carrier documents, consent disclosures, and other agreements expressly incorporated by reference, constitute the agreement governing the matters addressed herein.

In the event of a conflict involving an issued insurance policy, the actual policy contract and applicable carrier documents shall govern the rights and obligations arising under that insurance policy.

39. CONTACT INFORMATION

Questions, legal notices, communication preferences, or other inquiries concerning these Terms may be directed to:

CRI Financials
Charlotte, North Carolina
Email: contact@criwealthmanagementgroup.com
Phone: 704-459-7623

40. ACKNOWLEDGMENT AND CONSENT

BY ACCESSING OR USING THE SERVICES, REQUESTING FREE CONTENT, SUBMITTING INFORMATION, SCHEDULING A CONSULTATION, OR OTHERWISE AFFIRMATIVELY ACCEPTING THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS AND CONDITIONS AND CONSENT AGREEMENT.

YOU FURTHER ACKNOWLEDGE THAT:

(a) educational Content is not a substitute for individualized legal, tax, accounting, investment, fiduciary, or other professional advice;

(b) insurance products are subject to underwriting, carrier requirements, contractual terms, exclusions, limitations, and applicable law;

(c) financial and insurance outcomes are not guaranteed;

(d) you are responsible for reviewing official insurance documents before making a purchasing decision;

(e) communications consent may be revoked through the methods described in these Terms and as otherwise provided by applicable law; and

(f) disputes may be subject to individual binding arbitration, jury trial waiver, and class action waiver to the maximum extent permitted by law.

YOUR USE OF THE SERVICES CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THESE TERMS TO THE EXTENT PERMITTED BY APPLICABLE LAW.