Terms of Service

By accessing, browsing, or using UPointAnnuity.com (the "Website"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must discontinue use of the Website immediately. We reserve the right to modify these Terms at any time, and your continued use of the Website following any changes constitutes acceptance of the updated Terms.

UPointAnnuity.com provides educational content and resources about Fixed Annuity products for informational purposes. Our services include:

• Educational articles, guides, and resources about Fixed Annuities and retirement planning
• A glossary of annuity and financial terms
• Tools and calculators for illustrative purposes only
• The ability to request a consultation with a licensed insurance professional
• Newsletter subscriptions for ongoing educational content

We are not a financial advisory firm, broker-dealer, or registered investment adviser. We do not provide personalized financial, investment, tax, or legal advice through this Website.

All content on this Website is provided for educational and informational purposes only. Nothing on this Website should be construed as:

• A recommendation to purchase any specific annuity product or financial instrument
• Personalized financial, investment, tax, or legal advice
• A guarantee of any specific financial outcome or rate of return
• An offer to sell or a solicitation to buy any insurance or financial product

Fixed Annuity products are insurance contracts issued by licensed insurance carriers. Product features, rates, availability, and guarantees vary by state, carrier, and individual circumstances. Guarantees are backed solely by the financial strength and claims‑paying ability of the issuing insurance company and are not guaranteed by any federal or state agency.

You must be at least 18 years of age to use this Website. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

When using this Website, you agree not to:

• Provide false, misleading, or inaccurate information in any form submission
• Use the Website for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Website, its servers, or any connected systems
• Interfere with or disrupt the Website's functionality, security, or performance
• Use automated systems, bots, or scrapers to access or collect data from the Website without prior written consent
• Transmit any viruses, malware, or other harmful code
• Reproduce, distribute, modify, or create derivative works from any content on the Website without express written permission
• Use the Website to send unsolicited communications or spam

All content on this Website — including but not limited to text, graphics, logos, images, illustrations, audio, video, software, and design elements — is the property of Union Point Insurance Agency LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non‑exclusive, non‑transferable license to access and use the Website for personal, non‑commercial purposes. This license does not include the right to:

• Modify, copy, or distribute any content from the Website
• Use any content for commercial purposes without written authorization
• Remove any copyright, trademark, or other proprietary notices
• Frame or mirror any portion of the Website on another website or platform

When you submit a consultation request or any form on this Website:

• You consent to being contacted by a licensed insurance professional regarding your inquiry via phone, email, or other methods you provide
• You understand that submitting a form does not create a client‑agent relationship or obligate you to purchase any product
• You agree to provide accurate and truthful information
• You acknowledge that response times may vary and are not guaranteed

All consultations are provided free of charge and without obligation. You are under no pressure to purchase any product as a result of requesting information.

This Website may contain links to third‑party websites, resources, or services that are not owned or controlled by Union Point Insurance Agency LLC. We provide these links for your convenience and reference only.

We do not endorse, guarantee, or assume responsibility for the accuracy, relevance, timeliness, or completeness of any third‑party content. Your use of third‑party websites is at your own risk and subject to the terms and conditions of those websites. We encourage you to review the terms and privacy policies of any third‑party site you visit.

THE WEBSITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, UNION POINT INSURANCE AGENCY LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT
• WARRANTIES THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR‑FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT

Any reliance you place on information provided through this Website is strictly at your own risk. We strongly recommend consulting with a qualified financial professional before making any financial decisions.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNION POINT INSURANCE AGENCY LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO:

• Your use of or inability to use the Website
• Any decisions made or actions taken based on information provided on the Website
• Any unauthorized access to or alteration of your data or transmissions
• Any errors, omissions, or inaccuracies in the content
• Any third‑party content, products, or services accessed through the Website

In no event shall our total liability exceed one hundred dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless Union Point Insurance Agency LLC, its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Website or violation of these Terms
• Any content or information you submit through the Website
• Your violation of any applicable law, regulation, or third‑party right

These Terms shall be governed by and construed in accordance with the laws of the State in which Union Point Insurance Agency LLC is organized, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of the Website shall first be attempted to be resolved through good‑faith negotiation. If the dispute cannot be resolved informally, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. You agree that any arbitration or legal proceeding shall be conducted on an individual basis and not as a class action.

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Union Point Insurance Agency LLC regarding your use of the Website. These Terms supersede all prior agreements, communications, and understandings, whether written or oral, relating to the subject matter herein.

If you have questions about these Terms of Service or need further clarification, please contact us: