Last updated: [DATE].
Acceptance of terms
By accessing or using kristorres.com (the «Site»), operated by Kristoffer Torres («we,» «us,» or «our»), you agree to these Terms of Use. If you do not agree, please do not use the Site.
Purpose of this Site
This Site provides general, educational information about business, tax-efficiency, retirement, business continuity, and protection strategies, and allows visitors to request a private strategy session. Nothing on this Site is an offer or solicitation to buy or sell any specific insurance product in any jurisdiction where Kristoffer Torres is not licensed.
No professional advice; no relationship formed
Content on this Site is general in nature and does not constitute tax, legal, investment, or insurance advice. Kristoffer Torres is not a CPA, tax attorney, ERISA attorney, investment adviser, plan actuary/TPA, or lender. Browsing this Site or submitting the contact form does not create a client, advisory, or fiduciary relationship. Any tax or legal conclusion discussed during a strategy session must be validated with your own qualified professionals.
Insurance products
Any insurance products discussed are subject to underwriting, carrier approval, and state availability, and are only offered where properly licensed. Nothing on this Site guarantees eligibility, coverage, or pricing.
Intellectual property
The text, graphics, and other content on this Site are owned by or licensed to us and may not be copied, reproduced, or distributed without our prior written permission, except as permitted by applicable law.
Third-party links
This Site may link to third-party websites for convenience. We do not control and are not responsible for the content, accuracy, or privacy practices of any third-party site.
Limitation of liability
The Site and its content are provided «as is» without warranties of any kind, express or implied. To the fullest extent permitted by law, we are not liable for any damages arising from your use of, or inability to use, the Site.
Governing law
These Terms are governed by the laws of the State of [STATE], without regard to its conflict-of-law principles.
Changes to these terms
We may update these Terms from time to time. The «Last updated» date above reflects the most recent revision. Continued use of the Site after changes are posted means you accept the updated Terms.
Contact us
Questions about these Terms can be sent to contact@kristorres.com or +1 (912) 219-6841.