Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and The Simon Group USA, doing business as InsureMyPension ("Company," "we," "us," or "our"), concerning your access to and use of the InsureMyPension.com website and our financial services.

By accessing our website or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. Company Information

3. Licensing and Regulatory Disclosures

Florida Insurance Licensing

Our insurance agents are licensed in the State of Florida under Chapter 626 of the Florida Statutes. All insurance products and services are offered in compliance with Florida insurance regulations and the Florida Office of Financial Regulation requirements.

FINRA Compliance

Investment advisory services, where applicable, are provided in accordance with FINRA (Financial Industry Regulatory Authority) regulations. Securities products, if offered, are subject to investment risks including potential loss of principal.

Florida Department of Financial Services

We operate under the oversight of the Florida Department of Financial Services and comply with all applicable state regulations governing financial services and insurance products.

4. Services and Limitations

Service Offerings

• Retirement Planning Services (including DROP options for Florida state employees)
• Life Insurance Products and Advisory
• Health Insurance Guidance
• Long-Term Care Insurance
• Medicare Planning and Enrollment Assistance
• General Financial Planning Consultation

Service Limitations

• Services are primarily designed for Florida state employees and retirees
• Insurance products are subject to underwriting approval and state regulations
• Investment advice, where provided, is general in nature and not personalized unless specifically stated
• We do not provide legal or tax advice; clients should consult appropriate professionals

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information during consultations and applications
• Maintain the confidentiality of any account information or personal data
• Comply with all applicable laws and regulations
• Use our website and services only for lawful purposes
• Notify us promptly of any changes to your contact information or circumstances
• Review all documents and policies before making financial decisions

6. Financial Disclaimers

7. Limitation of Liability

To the fullest extent permitted by Florida law, The Simon Group USA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

Our total liability for any claims arising from our services shall not exceed the amount of fees paid to us for the specific service giving rise to the claim.

8. Indemnification

You agree to indemnify and hold harmless The Simon Group USA, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms or your use of our services in violation of applicable law.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which complies with the Gramm-Leach-Bliley Act (GLBA) and other applicable privacy laws. Please review our Privacy Policy for detailed information about our data practices.

10. Intellectual Property

All content on the InsureMyPension website, including text, graphics, logos, and software, is the property of The Simon Group USA or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

11. Termination

We reserve the right to terminate or suspend your access to our services at any time, with or without cause, and with or without notice. Upon termination, your right to use our services will cease immediately, but the provisions of these Terms that by their nature should survive termination will remain in effect.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any legal disputes arising from these Terms or our services shall be resolved in the state or federal courts located in Florida.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after such modifications constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

15. Contact Information

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

16. Acknowledgment

By using InsureMyPension services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.