Terms of Service

Effective Date: November 23, 2025 | Last Updated: November 23, 2025

1. Acceptance of Terms

By accessing www.flofaction.com (the "Website") or using any services provided by Flo Faction LLC ("we," "us," "our"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.

2. Services Overview

Flo Faction LLC provides:

• Financial Calculators: Educational tools for debt management, mortgage analysis, investment projections, college savings, retirement planning, and tax estimation
• Insurance Information: General information about life insurance, health insurance, business insurance, and related products
• AI-Powered Tools: Technology-assisted financial and insurance analysis tools
• Educational Content: Articles, guides, and resources about financial planning and insurance

3. No Professional Advice

3.1 Financial Calculators & Tools

All calculators and financial tools provided on our Website:

• Are educational estimates based on information YOU provide
• Are NOT personalized financial advice
• Should NOT be the sole basis for financial decisions
• May contain errors, inaccuracies, or outdated information
• Do NOT account for your specific financial situation, goals, or risk tolerance

3.2 Insurance Information

Insurance information provided:

• Is general in nature and may not apply to your specific situation
• Does NOT constitute an offer to sell insurance
• Should be verified with licensed insurance professionals
• May vary by state, company, and individual circumstances

3.3 Investment & Tax Information

We do NOT provide investment advice or tax advice.

Any investment returns, tax calculations, or projections shown are:

• Hypothetical and based on assumptions
• NOT guarantees of future performance
• Subject to market volatility and economic conditions
• NOT a recommendation to buy, sell, or hold any security

4. User Responsibilities

4.1 You Agree To:

• Verify All Information: Independently verify any information obtained from our Website
• Consult Professionals: Seek advice from licensed financial advisors, tax professionals, insurance agents, and attorneys before making any financial decisions
• Provide Accurate Data: Enter accurate information into our calculators (garbage in = garbage out)
• Use at Your Own Risk: Accept full responsibility for decisions based on our tools
• Comply with Laws: Follow all applicable federal, state, and local laws

4.2 Prohibited Uses

You may NOT:

• Use our services for illegal purposes
• Attempt to hack, reverse engineer, or compromise our systems
• Scrape, copy, or reproduce our content without permission
• Misrepresent your identity or affiliation
• Upload malware, viruses, or harmful code
• Interfere with other users' access to our services
• Use our tools to provide advice to third parties without proper licensing

5. Limitation of Liability

6. No Warranty

We make NO WARRANTIES of any kind, including but not limited to:

• Accuracy or completeness of calculations
• Fitness for a particular purpose
• Uninterrupted or error-free service
• Results that will be achieved
• Currency of tax laws or financial information

7. Third-Party Services & Links

Our Website may contain links to third-party websites or integrate third-party services (including APIs for market data). We are NOT responsible for:

• Content, accuracy, or practices of third-party sites
• Third-party API errors or data delays
• Products or services offered by third parties
• Privacy practices of external sites

Use of third-party services is at your own risk and subject to their terms.

8. Intellectual Property

All content on this Website, including but not limited to:

• Calculators and software code
• Text, graphics, logos, and images
• Design and layout
• Trademarks and service marks

...are owned by or licensed to Flo Faction LLC and protected by copyright, trademark, and other intellectual property laws.

You may NOT: Copy, modify, distribute, sell, or create derivative works without our written permission.

9. User Data & Privacy

Our collection and use of personal information is governed by our Privacy Policy. Key points:

• Calculator inputs are processed locally when possible
• We do NOT store your financial information from calculators
• We use cookies and analytics to improve our services
• Read our full Privacy Policy for details

10. Modifications to Service

We reserve the right to:

• Modify, suspend, or discontinue any service at any time
• Update calculators, formulas, or methodologies
• Change features without notice
• Restrict access to certain features or users

We are NOT liable for any modifications, suspensions, or discontinuations.

11. Updates to Terms

We may update these Terms at any time. Changes will be effective when posted with a new "Last Updated" date. Your continued use after changes constitutes acceptance of the modified Terms. Check this page periodically for updates.

12. Indemnification

You agree to indemnify, defend, and hold harmless Flo Faction LLC, its officers, directors, employees, and agents from any claims, losses, damages, liabilities, or expenses (including legal fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any laws or rights of third parties
• Financial decisions made based on our tools

13. Governing Law & Dispute Resolution

Governing Law: These Terms shall be governed by the laws of the State of [YOUR STATE], without regard to conflict of law principles.

Arbitration: Any dispute arising from these Terms or use of our services shall be resolved through binding arbitration in [YOUR COUNTY, STATE], except where prohibited by law.

Class Action Waiver: You agree to resolve disputes individually and waive the right to participate in class actions.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. No Agency Relationship

Nothing in these Terms creates a partnership, employment, agency, or fiduciary relationship between you and Flo Faction LLC.

16. Contact Information

For questions about these Terms, contact us at:

Flo Faction LLC
Email: legal@flofaction.com
Website: www.flofaction.com