Terms and Conditions

These Terms and Conditions govern your access to and use of smartmoneyannuity.com and related pages, forms, tools, and services that link to these Terms.

The website is operated in connection with Freedom Financial and Accurate Advisory Group, Inc.

SmartMoney™ is a branded process, trademark, and marketing term used by the site owners and operators identified herein.

By accessing or using this website, you agree to these Terms. If you do not agree, do not use the website.

1. Use of the Website

You may use the website only for lawful purposes. You agree not to:

- violate applicable law or third-party rights

- submit false, misleading, or fraudulent information

- interfere with website operation or security

- attempt unauthorized access to systems or accounts

- scrape, harvest, or copy website content or data through automated means except as permitted by law

- upload malicious code, spam, or harmful material

2. Educational Use Only; No Relationship

The content on this website is provided for educational and informational purposes only. It is not individualized financial, investment, legal, tax, insurance, or accounting advice.

Your use of the website, submission of information, scheduling of an appointment, or communication through the website does not by itself create an advisory, fiduciary, insurance, legal, tax, or client relationship.

3. No Offer or Guarantee

Nothing on this website constitutes an offer to sell, a solicitation to buy, or a recommendation of any security, investment, insurance product, annuity, or financial service in any jurisdiction where such offer, solicitation, or recommendation would be unlawful.

Nothing on this website should be interpreted as a guarantee, warranty, or assurance of any specific financial result, performance, income stream, rate, return, tax outcome, or planning result.

4. Product and Service Availability

Products and services referenced on this website may not be available in all states or to all individuals. Eligibility, suitability, licensing, carrier approval, underwriting, and other requirements may apply. Features, rates, riders, charges, limitations, exclusions, and availability vary by product, carrier, and state.

5. Intellectual Property

All content on this website, including text, graphics, design, layout, branding, logos, icons, images, videos, downloads, and other materials, is owned by or licensed to the site owners and operators and is protected by applicable law. SmartMoney™ is a branded process, trademark, and marketing term used by the site owners and operators identified herein.

You may view and print reasonable portions of website content for personal, non-commercial use only. You may not reproduce, distribute, modify, publish, transmit, display, sell, license, create derivative works from, or otherwise exploit website content without prior written permission.

6. Third-Party Links and Tools

The website may contain links to third-party websites, carriers, tools, scheduling systems, videos, social platforms, service providers, or regulatory resources. These are provided for convenience only. We are not responsible for their content, functionality, security, privacy practices, or terms.

7. User Submissions

If you submit information through the website, you represent that the information is accurate to the best of your knowledge and that you have the right to provide it. We may use information you submit in accordance with the Privacy Policy and applicable law.

8. Disclaimer of Warranties

The website and all content and materials made available through it are provided on an “as is” and “as available” basis without warranties of any kind, to the fullest extent permitted by law.

9. Limitation of Liability

To the fullest extent permitted by law, the site owners and operators shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or relating to your use of, or inability to use, the website or reliance on website content.

Nothing in these Terms limits liability to the extent such limitation is prohibited by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless the site owners and operators from and against claims, liabilities, losses, damages, judgments, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your violation of these Terms, your misuse of the website, or your violation of applicable law or third-party rights.

11. Privacy

Your use of the website is also subject to the Privacy Policy.

12. Modifications

We may update or modify these Terms at any time. When we do, we will post the updated version on this page and revise the Effective Date.

13. 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 laws principles, except to the extent superseded by applicable federal law.

14. Contact Information

If you have questions about these Terms, please contact:

Freedom Financial / Accurate Advisory Group, Inc.

Email: [email protected]

Phone: (856) 656-1608

Address: 7010 Kaighns Ave, Pennsauken New Jersey 08109