The rules of the road for using flofaction.com and working with our team.
By accessing flofaction.com, submitting an intake form, or engaging Flo Faction LLC for services, you agree to these Terms.
If you do not agree, do not use the site or our services.
Insurance brokerage is paid by carrier commission — you pay nothing extra to use us as your broker. For paid consultations, retainers, and project work:
Flo Faction LLC is an independent insurance broker. We represent you, not a single carrier. Coverage is provided by the carrier you choose; policy terms, exclusions, and claim decisions are set by that carrier.
All policy quotes are estimates until the carrier underwrites and issues a final policy. Premiums are subject to change based on underwriting.
Flo Faction LLC is not a registered investment advisor. Information provided about IULs, annuities, retirement planning, and wealth strategy is for educational purposes and does not constitute investment, tax, or legal advice.
Consult a CPA, attorney, or registered advisor before making major financial decisions. Past performance does not guarantee future results.
All site content, OpenClaw agent software, and branding are owned by Flo Faction LLC. You may not copy, redistribute, or build derivative products without written permission. Music production deliverables transfer ownership per your individual project agreement.
Flo Faction LLC's total liability for any claim arising from your use of our services is limited to the fees you paid us in the 12 months preceding the claim. We are not liable for indirect, incidental, or consequential damages.
These Terms are governed by Florida law. Any dispute will first be addressed via good-faith negotiation. If unresolved, disputes will be settled by binding arbitration in Manatee County, Florida, except where applicable law requires otherwise (e.g., insurance regulator complaints).