Terms and Conditions

Welcome to Infinite Banking Solutions. These Terms and Conditions ("Terms", "Agreement") govern your access to and use of our website, services, and AI-powered chatbot (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.

1. Agreement to Terms

By accessing our website at any Infinite Banking Solutions domain, using our chatbot, scheduling consultations, or engaging with our educational content, you confirm that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You will comply with all applicable laws and regulations
• You have read, understood, and agree to be bound by these Terms and our Privacy Policy

2. Description of Services

2.1 Educational Platform

Infinite Banking Solutions provides educational content, resources, and guidance regarding the Infinite Banking Concept (IBC), whole life insurance policies, cash value accumulation, and related financial strategies. Our Services include:

• Educational Content: Articles, guides, calculators, and resources about IBC principles
• AI-Powered Chatbot: Interactive assistant providing information about infinite banking strategies
• Free Strategy Sessions: Personalized consultations to discuss your financial goals
• Financial Calculators: Tools to illustrate cash value growth and policy performance
• Insurance Solutions: Access to whole life insurance products from mutual insurance carriers

2.2 What We Are NOT

Our Services do not constitute:

• Legal, tax, accounting, or investment advice (consult appropriate professionals)
• Guarantees of financial outcomes or policy performance
• A substitute for professional financial planning or legal counsel
• An insurance carrier (we work with licensed mutual insurance companies)

4. User Responsibilities and Conduct

4.1 Accurate Information

You agree to provide accurate, current, and complete information when:

• Filling out contact forms or scheduling consultations
• Interacting with our AI chatbot
• Applying for insurance policies
• Engaging in any communication with our team

4.2 Prohibited Uses

You agree NOT to:

• Use our Services for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to our systems, networks, or data
• Transmit viruses, malware, or other harmful code
• Scrape, harvest, or collect user data without permission
• Impersonate any person or entity or misrepresent your affiliation
• Use automated systems (bots, scrapers) to access our Services without authorization
• Interfere with or disrupt the operation of our Services
• Reproduce, modify, or distribute our content without written permission

5. Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, images, calculators, software, chatbot responses, and educational materials, is the property of Infinite Banking Solutions or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and use our content for personal, non-commercial educational purposes only. Any commercial use, reproduction, distribution, or modification requires our prior written consent.

Trademarks: "Infinite Banking Solutions" and associated logos are trademarks. Unauthorized use is prohibited.

6. Third-Party Services and Links

6.1 Integrated Services

Our Services integrate with third-party platforms:

• Anthropic Claude AI: Powers our chatbot functionality
• Calendly: Manages appointment scheduling
• Vercel Analytics: Provides website analytics
• Insurance Carriers: Mutual insurance companies that underwrite policies

6.2 Third-Party Terms Apply

Your use of third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices, content, or services of third parties.

6.3 AI Chatbot Limitations

Our AI-powered chatbot provides general information about the Infinite Banking Concept. While we strive for accuracy:

• Chatbot responses may contain errors or inaccuracies
• AI-generated content should be verified with human advisors
• Chatbot interactions are not confidential attorney-client or advisor-client communications
• The chatbot cannot provide personalized financial advice tailored to your situation

7. Insurance-Specific Terms

7.1 Licensing and Appointments

Our insurance representatives are licensed and appointed to sell life insurance products in accordance with state regulations. Licensing information is available upon request.

7.2 Application and Underwriting

Insurance applications are subject to carrier underwriting approval. Submission of an application does not guarantee policy issuance. Approval depends on health status, age, financial underwriting, and carrier guidelines.

7.3 Policy Ownership

Once issued, the insurance policy is a contract between you and the insurance carrier, not Infinite Banking Solutions. Policy terms, benefits, and obligations are governed by the policy contract and carrier.

7.4 Compensation Disclosure

We may receive commissions from insurance carriers when policies are issued. These commissions are built into premium costs and do not result in additional charges to you. Commission structures vary by carrier and product.

7.5 Suitability

We strive to recommend insurance solutions suitable for your needs based on information you provide. However, ultimate suitability determination is your responsibility in consultation with appropriate advisors.

8. Disclaimers and Warranties

8.1 "As Is" Basis

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

8.2 No Warranty of Accuracy

While we strive for accuracy, we do not warrant that:

• Our Services will be uninterrupted, secure, or error-free
• Information provided is complete, accurate, or current
• Calculators and projections reflect actual policy performance
• AI chatbot responses are free from errors or omissions

8.3 Internet and Technology Risks

You acknowledge risks inherent in internet communications including security breaches, data interception, system failures, and service interruptions. We are not liable for losses resulting from such risks.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INFINITE BANKING SOLUTIONS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Financial losses from investment or insurance decisions
• Reliance on information provided through our Services
• Inability to access or use our Services

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

Some jurisdictions do not allow limitation of liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Infinite Banking Solutions, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your violation of these Terms
• Your use or misuse of our Services
• Your violation of any laws or regulations
• Your infringement of any third-party rights
• Information you provide through our Services

11. 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 is incorporated into these Terms by reference.

By using our Services, you consent to our data practices as described in the Privacy Policy, including compliance with the Gramm-Leach-Bliley Act (GLBA), CCPA, and other applicable privacy laws.

12. Modifications to Terms and Services

12.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website with an updated "Last Updated" date. Material changes will be communicated via email or prominent notice on our website.

12.2 Continued Use Constitutes Acceptance

Your continued use of our Services after changes are posted constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must discontinue use of our Services.

12.3 Service Modifications

We may modify, suspend, or discontinue any aspect of our Services at any time without prior notice or liability.

13. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Prolonged inactivity
• At our sole discretion for any other reason

Upon termination, your right to use our Services will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, limitations of liability, and indemnification.

14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Infinite Banking Solutions is primarily located, without regard to conflict of law principles.

14.2 Dispute Resolution Process

In the event of any dispute, claim, or controversy arising from or relating to these Terms or our Services, you agree to first contact us to seek informal resolution:

We will attempt to resolve disputes in good faith within 60 days of receiving your notice.

14.3 Jurisdiction and Venue

Any legal action or proceeding relating to these Terms shall be brought exclusively in the state or federal courts located in [Your Jurisdiction], and you consent to the personal jurisdiction of such courts.

14.4 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. Miscellaneous Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Infinite Banking Solutions regarding our Services and supersede all prior agreements and understandings.

15.2 Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed and shall not affect the validity and enforceability of the remaining provisions.

15.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

15.5 No Agency Relationship

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and Infinite Banking Solutions.

15.6 Force Majeure

We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including acts of God, war, terrorism, labor disputes, internet failures, or government actions.

16. Contact Information

If you have questions, concerns, or feedback regarding these Terms and Conditions, please contact us: