Terms of Service

Important: Please read these Terms of Service carefully before using the Kuorum Partners Wealth website. By accessing or using our website, you agree to be bound by these terms. If you do not agree, please discontinue use of the site.

1. Acceptance of Terms

These Terms of Service (“Terms”) govern your use of the website operated by Kuorum Partners Wealth (“KPW,” “we,” “us,” or “our”) at its domain and any associated pages or services. By using this website, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2. Description of Services

Kuorum Partners Wealth is a licensed insurance and financial services agency offering guidance on life insurance and retirement planning. Our website provides:

• Educational content about insurance and financial planning topics.
• Interactive calculators designed to provide general estimates and illustrations.
• A contact form to connect with licensed KPW advisors.

KPW operates as a call center with licensed agents who hold Letters of Authority (LOA) with various insurance carriers. We are not a registered investment advisor and do not provide securities advice.

3. Not Financial or Legal Advice

The content on this website, including all calculators, articles, and tools, is provided for general informational and educational purposes only. It does not constitute financial, legal, tax, or investment advice. Calculator results are estimates based on simplified assumptions and should not be relied upon as the sole basis for any financial decision. Always consult with a qualified licensed professional before making insurance or financial decisions.

4. Licensing and Regulatory Compliance

Kuorum Partners Wealth and its agents are licensed in the states in which they conduct business. Insurance products and availability vary by state. Not all products described on this website are available in all states. Nothing on this website constitutes an offer or solicitation to sell insurance products in any jurisdiction where such offer or solicitation would be unlawful.

5. Accuracy of Information

We strive to ensure the information on our website is accurate and current. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information. Insurance rates, product features, and regulatory requirements change frequently, and information on this site may not reflect the most current conditions.

6. Calculator Disclaimer

The interactive calculators on this website are provided as educational tools only. Results are based on simplified mathematical models and general assumptions. Actual insurance premiums, coverage amounts, retirement projections, and income estimates will vary based on individual underwriting, carrier guidelines, market conditions, and other factors. Calculator outputs do not represent a quote, commitment, or guarantee of any insurance product or financial outcome.

7. User Conduct

By using this website, you agree not to:

• Use the site for any unlawful purpose or in violation of any applicable regulations.
• Transmit any false, misleading, or fraudulent information through our contact forms.
• Attempt to gain unauthorized access to any portion of the website or its related systems.
• Reproduce, distribute, or create derivative works from our content without express written permission.

8. Intellectual Property

All content on this website, including text, graphics, logos, calculator code, and design elements, is the property of Kuorum Partners Wealth or its licensors and is protected by applicable intellectual property laws. You may not reproduce, republish, or redistribute any content without prior written consent.

9. Third-Party Links and Services

Our website may contain links to third-party websites or use third-party services (such as form processing tools). These are provided for convenience only. KPW does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party sites or services.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Kuorum Partners Wealth shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, this website or its content. Our total liability for any claim arising from your use of the website shall not exceed the amount you paid to us in the twelve months preceding the claim, if any.

11. Indemnification

You agree to indemnify and hold harmless Kuorum Partners Wealth, its officers, agents, and employees from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the website, your violation of these Terms, or your violation of any rights of a third party.

12. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the website with an updated “Last Updated” date. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Hillsborough County, Florida.

15. Contact Us

If you have questions about these Terms, please contact us: