The rules of the road

By accessing or using pebylfinancial.com (the "Site"), you agree to these Terms of Use, our Privacy Policy, and our Disclosures. If you don't agree, please don't use the Site.

The Site is for general education about fixed insurance and annuity products. Nothing on the Site is tax, legal, accounting, or investment advice. Calculators and illustrations on the Site are estimates based on the inputs you provide and the assumptions stated; they are not predictions of future results and not an offer to sell or a solicitation to purchase any product.

Any product purchase is governed by the issuing carrier's contract and disclosure documents, not by anything on this Site.

Pebyl Financial transacts insurance business only in U.S. states where it and its agents are properly licensed and (where applicable) appointed by the relevant carrier. Information on the Site is not directed at, and is not an offer to, any person in a state, country, or jurisdiction where such an offer would be unlawful.

You agree not to: (a) use the Site in violation of any law or these Terms; (b) attempt to gain unauthorized access to any part of the Site, our systems, or other users' data; (c) probe, scan, or test the vulnerability of the Site without our prior written permission; (d) interfere with or disrupt the Site; (e) use any automated means (bots, scrapers, headless browsers) to access the Site beyond ordinary browsing; or (f) submit content that is unlawful, infringing, defamatory, or fraudulent.

All content on the Site (text, design, graphics, calculators, articles) is owned by Pebyl Financial or its licensors and is protected by copyright and other intellectual property laws. You may view and print pages for your own personal, non-commercial use; any other use requires our written permission.

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We don't warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Third-party links are provided for convenience and don't constitute endorsement; we're not responsible for content on linked sites.

To the fullest extent permitted by law, in no event will Pebyl Financial, its officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site, even if advised of the possibility of such damages. Our aggregate liability for any direct damages will not exceed one hundred U.S. dollars ($100).

Nothing in these Terms limits any liability that cannot be limited under applicable law, including the rights of consumers under state insurance and consumer-protection statutes.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or the Site will be brought exclusively in the state or federal courts located in Florida, except where applicable law gives you a different, non-waivable right.

We may update these Terms from time to time. The "last updated" date at the top reflects the most recent revision. Continued use of the Site after a change means you accept the updated Terms.