Terms and Conditions

Introduction

Welcome to On Point Finances. By accessing or using this website, you agree to be bound by these terms and conditions. Please read them carefully before using our services. If you do not agree with these terms, you must discontinue use of this website and our services.

Acceptable use

You agree to use this website for lawful purposes only. You must not:

• Use the website in any way that breaches applicable laws or regulations.
• Transmit harmful, offensive, or illegal material through the website.
• Attempt to gain unauthorized access to the website or its systems.

Intellectual property

All content on this website, including text, images, logos, and trademarks, is the property of On Point Finances or its licensors. You may not reproduce, distribute, or modify any part of this website without prior written consent from On Point Finances.

Services disclaimer

The information provided on this website is for general educational purposes only and does not constitute financial, tax, or legal advice. It is not a recommendation to buy any insurance or annuity product. Any recommendation requires a full review of your individual situation. You should consult a qualified professional before making any decisions.

On Point Finances is a licensed life insurance agency, California Department of Insurance License #0G82966. We are licensed in the State of California. Nothing on this website is an offer or solicitation in any jurisdiction where we are not licensed.

Limitation of liability

On Point Finances will not be held liable for any damages, including direct, indirect, incidental, or consequential damages, arising from your use of this website or our services.

Third-party links

This website may contain links to third-party websites. These links are provided for your convenience and do not imply endorsement. On Point Finances is not responsible for the content or policies of any third-party website.

Privacy

Your privacy matters to us. Please review our Privacy Policy for details on how we collect, use, and protect your information. If you opt in to text messages, our Messaging Terms & Consent also apply.

Governing law

These terms and conditions are governed by and construed in accordance with the laws of the State of California. Any disputes will be resolved exclusively in the courts located in Santa Clara County, California.

Changes to these terms

On Point Finances reserves the right to update these terms and conditions at any time. Changes take effect immediately upon posting on this page. Your continued use of the website constitutes acceptance of the updated terms.

Contact

If you have any questions about these terms and conditions, contact us at:

On Point Finances
14585 S Bascom Ave, Los Gatos, CA 95032
(669) 666-6967
ml@opfinances.com