Terms and Conditions
Last Updated: September 14, 2026
These Terms and Conditions govern use of eastcoastfinancialCFL.com, operated by East Coast Financial Center of Florida (“we,” “us,” or “our”). By using this website, you agree to these terms. If you do not agree, please discontinue use.
Use of the website
This website is intended for adults seeking information about retirement planning, insurance, annuities, financial reviews, and related services. Use it lawfully. Do not interfere with its operation, attempt unauthorized access, submit malicious material, misrepresent your identity, or misuse another person’s information.
Educational information and professional advice
Website content, tools, questionnaires, reports, and hypothetical examples are informational and educational. Nothing on the site should be construed as individualized investment, tax, or legal advice unless specifically provided within an appropriate client engagement. Consult appropriately qualified professionals regarding your circumstances. A website or Facebook form submission does not create an investment, insurance, or advisory relationship, execute a financial transaction, or obligate you to purchase a product or service.
No guaranteed outcomes; product terms
We do not guarantee investment, insurance, retirement, tax, or legal outcomes. Past performance and hypothetical examples do not guarantee future results. Tool results depend on submitted information and assumptions; incomplete or estimated answers can limit their usefulness.
Product availability, features, rates, caps, participation rates, surrender schedules, guarantees, and carrier terms may change and vary by product, state, and eligibility. Actual contracts and applicable disclosures govern. Insurance and annuity guarantees are subject to the claims-paying ability of the issuing insurer. Indexed annuities do not directly participate in a securities index. Withdrawals, surrender charges, fees, taxes, and other contract conditions can affect results.
Online forms and appointment requests
Provide accurate information to the best of your knowledge and identify estimates where possible. Do not submit sensitive identifiers or account credentials through general forms. Appointment requests are subject to confirmation and availability. Automated analyses require review and are not product approvals, binding offers, or commitments to provide a particular service. Our Privacy Policy explains information handling.
Electronic communications
By submitting contact information and requesting a service, you consent to electronic communications reasonably related to that request, including scheduling and follow-up communications. Any separate consent for marketing calls or text messages is governed by the consent presented at collection and applicable law. You may request changes to communication preferences by emailing us. Submitting a request does not require a purchase.
Intellectual property
Website text, designs, graphics, logos, and software belong to us or their respective owners and are protected by applicable intellectual property laws. You may view content for personal, noncommercial use. Other copying, distribution, modification, or commercial use requires permission unless otherwise permitted by law. Third-party marks remain the property of their owners.
Third-party links and services
Links and embedded third-party services are provided for convenience. We do not control their content, availability, practices, or terms. A link does not by itself endorse a third party. Review the applicable provider’s terms and privacy policy.
Disclaimer of warranties
To the extent permitted by law, the website and its content are provided “as is” and “as available,” without express or implied warranties, including merchantability, fitness for a particular purpose, or noninfringement. We do not warrant uninterrupted access, error-free operation, or that all information will always be complete or current.
Limitation of liability
To the extent permitted by law, we are not liable for indirect, incidental, consequential, special, or punitive damages arising from use of or inability to use the website, reliance on general educational content, or third-party services. Nothing in these terms excludes liability, remedies, duties, or rights that cannot lawfully be excluded, including applicable professional or statutory obligations.
Indemnification
To the extent permitted by law, you agree to indemnify and hold us harmless from third-party claims, losses, and reasonable expenses arising from your unlawful use of the website, infringement of another person’s rights, or material violation of these terms. This provision does not require indemnification for our own unlawful conduct or liability that cannot lawfully be transferred.
Governing law
These terms are governed by Florida law, without regard to conflict-of-law rules, and applicable federal law. Mandatory protections provided by applicable law remain in effect.
Changes to these terms
We may update these terms by posting revised terms and a new “Last Updated” date. Please review them periodically. Your continued use after changes are posted constitutes acceptance to the extent permitted by law.
Contact information
East Coast Financial Center of Florida
Website: eastcoastfinancialCFL.com
Email: michael@ecfofcf.com