Terms of Use

⚠ DRAFT TEMPLATE — not yet reviewed by legal counsel. These terms are a starting point that reflects how the site actually works. A licensed attorney must review and finalize them (and complete the items marked [ ]) before they are relied upon. This is not legal advice.

Effective date: [ to be set on publish ] · Last updated: June 15, 2026

These Terms of Use ("Terms") govern your access to and use of this website operated by Leaders Financial Group ("we," "us," "our"). By using the site, you agree to these Terms. If you do not agree, please do not use the site.

Informational purposes only

The content on this site, including the calculators, is provided for general informational and educational purposes only. It is not legal, tax, or investment advice, and it is not an offer or solicitation to buy any insurance or financial product. Always consult a licensed professional about your specific situation.

No guarantees; estimates are not quotes

Figures, examples, and calculator results are estimates, not quotes or offers of coverage. Actual eligibility, coverage, and pricing depend on the product you apply for and on underwriting, including your age, health, and other factors. Any insurance or annuity guarantees are subject to the terms of the contract and the claims-paying ability of the issuing insurer; they are not guaranteed by us and are not bank- or FDIC-insured.

Insurance products and licensing

Insurance products are offered through licensed agents. Product availability and terms vary by state. [ add the licensed entity name, state(s), and license number(s) on publish ]

The calculator

The needs calculator produces a rough, educational estimate based on the numbers you enter. It is not an application, a recommendation, or a guarantee of any coverage amount or price.

Acceptable use

You agree not to misuse the site — including attempting to disrupt it, access it without authorization, submit false or others' information, or use it for any unlawful purpose.

Intellectual property

The site's content, design, and branding are owned by Leaders Financial Group or its licensors and may not be copied or reused without permission.

Third-party services and links

The site uses third-party services (such as the embedded scheduling calendar and our CRM) and may link to third-party sites. We are not responsible for the content or practices of third parties; their own terms and privacy policies apply.

Disclaimer of warranties

The site is provided "as is" and "as available," without warranties of any kind to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content. [ counsel to confirm scope and any cap ]

Governing law

These Terms are governed by the laws of the State of Nevada, without regard to its conflict-of-laws rules.

Changes

We may update these Terms. Continued use of the site after changes means you accept the updated Terms.

Contact

Questions: help@leadersfg.com · call us.
See also our Privacy Policy.