Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and MaxFunded IUL ("Company," "we," "us," "our") regarding your access to and use of the MaxFundedIUL.com website and all related services (collectively, the "Service").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not access or use the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Services

MaxFundedIUL.com provides educational information and resources related to Indexed Universal Life (IUL) insurance and related financial products, including but not limited to:

• Educational articles and content about IUL insurance
• Financial calculators and planning tools
• Policy comparison information
• Case studies and examples
• Contact forms to request consultations
• Resources about retirement planning and tax strategies

What We Are NOT

Our Service does NOT include:

• Personalized financial advice without formal consultation
• Tax or legal advice
• Securities investment advice
• Direct online policy sales (policies require consultation and application)

3. Eligibility

Age Requirement: You must be at least 18 years of age to use this Service. By using the Service, you represent and warrant that you are at least 18 years old.

Legal Capacity: You must have the legal capacity to enter into binding contracts. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

Geographic Restrictions: Our services are intended for users in the United States. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

4. User Accounts

Account Creation: Certain features of the Service may require you to create an account. When creating an account, you must provide accurate, complete, and current information.

Account Security: You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

Account Termination: We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion.

5. Acceptable Use

You may use the Service for lawful purposes only. You agree to use the Service in compliance with all applicable federal, state, and local laws and regulations.

Permitted Uses:

• View and read educational content for personal use
• Use calculators and tools for personal financial planning
• Contact us for consultations through provided forms
• Share links to our content on social media
• Print pages for personal, non-commercial reference

6. Prohibited Activities

You agree NOT to:

6.1 Content Misuse

• Copy, reproduce, distribute, or republish significant portions of our content without written permission
• Use our content for commercial purposes without authorization
• Modify, create derivative works, or reverse engineer any part of the Service
• Remove copyright notices or proprietary markings

6.2 Technical Interference

• Use automated systems, bots, or scrapers to access or download content
• Attempt to gain unauthorized access to our systems or networks
• Introduce viruses, malware, or other harmful code
• Interfere with or disrupt the Service or servers
• Bypass any security measures or access restrictions

6.3 Fraudulent Activity

• Provide false, misleading, or inaccurate information
• Impersonate any person or entity
• Misrepresent your affiliation with us
• Engage in any fraudulent, abusive, or illegal activity

6.4 Improper Communications

• Send spam or unsolicited communications
• Harass, threaten, or abuse other users or our staff
• Post or transmit illegal, offensive, or inappropriate content