Terms of Service

Last Updated: December 30, 2025

1. Acceptance of Terms

By accessing and using the Flo Faction LLC website and services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

2. Services Description

Flo Faction LLC provides:

Insurance brokerage and advisory services
Financial planning tools and calculators
Wealth management consultation
Digital and creative services

3. User Responsibilities

You agree to:

Provide accurate and complete information
Use our services for lawful purposes only
Not interfere with the proper functioning of our website
Maintain the confidentiality of any account credentials

4. Insurance Services Disclaimer

Flo Faction LLC is a licensed insurance broker. Insurance products are offered through various carriers. Coverage, rates, and availability vary by state and individual circumstances. Quotes provided are estimates and subject to underwriting approval.

5. Financial Calculator Disclaimer

Our financial calculators are for educational and illustrative purposes only. Results are estimates and should not be considered financial advice. Consult with a qualified financial professional before making financial decisions.

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Flo Faction LLC and protected by copyright laws.

7. Limitation of Liability

Flo Faction LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

8. Indemnification

You agree to indemnify and hold harmless Flo Faction LLC from any claims arising from your use of our services or violation of these terms.

9. Modifications

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the modified terms.

10. Governing Law

These terms shall be governed by the laws of the State of Florida, without regard to conflict of law principles.

11. Contact Information

For questions about these terms, contact us at:

Email: flofaction.business@gmail.com
Phone: (888) 555-0123