Terms of Service

1. Acceptance of Terms

By accessing or using the website and services of Perkins Wealth Group LLC ("Company," "we," "our," or "us"), you agree to be fully bound by these Terms of Service and our Privacy Policy, which is incorporated herein by reference. These terms constitute a legally binding agreement between you and Perkins Wealth Group LLC.

If you do not agree to these terms in their entirety, please do not access or use our website or services. Your continued use of our website following the posting of any changes to these Terms constitutes your acceptance of those changes.

2. Services Provided

Perkins Wealth Group LLC provides financial education, coaching, digital products, and referrals to licensed financial professionals offering products including life insurance, annuities, and Indexed Universal Life (IUL) policies. Our services are informational and educational in nature.

Nothing on this website or provided through our services constitutes legal, tax, investment, or securities advice unless explicitly provided by a separately licensed and qualified professional. We strongly encourage all users to consult with a licensed financial advisor, attorney, or tax professional before making any significant financial decisions. Results described or implied on this site are illustrative and not guaranteed.

3. Digital Products

All digital product purchases are final. Due to the nature of digital content, which is immediately accessible upon purchase, we do not offer refunds once a product has been delivered or a download link has been issued. Please review all product descriptions, feature lists, and pricing carefully before completing your purchase.

By purchasing a digital product, you are granted a limited, non-exclusive, non-transferable license to access and use the content for your own personal, non-commercial purposes. You may not share, resell, redistribute, or reproduce any portion of our digital products without express written consent. If you experience a technical issue preventing access to your purchase, contact us at lloyd.perkins@perkinswealthgroup.com and we will work to resolve the issue promptly.

4. User Conduct

You agree not to:

• Use our website or services for any unlawful purpose.
• Reproduce, duplicate, copy, sell, or exploit any portion of our content without express written permission.
• Transmit any harmful, offensive, or disruptive content through our contact channels.
• Attempt to gain unauthorized access to any portion of our website or systems.

5. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and digital products — is the exclusive property of Perkins Wealth Group LLC or its content suppliers and is protected by United States and international copyright and intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any content from our website without prior express written permission. Any unauthorized use constitutes a violation of applicable law and may result in civil or criminal penalties.

6. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Perkins Wealth Group LLC does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no representations or warranties about the accuracy, completeness, or reliability of any information on this site.

7. Limitation of Liability

To the fullest extent permitted by law, Perkins Wealth Group LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, our website or services, even if we have been advised of the possibility of such damages.

Financial results discussed, depicted, or implied are illustrative in nature and are not guaranteed. Individual outcomes will vary significantly based on personal circumstances, effort, market conditions, and other factors outside our control. Our total liability to you for any claim arising out of or relating to these Terms shall not exceed the amount paid by you to us in the 12 months preceding the claim.

8. Third-Party Links

Our website may contain links to third-party websites, including scheduling platforms such as Calendly, social media networks, and partner services. These links are provided for your convenience only. We have no control over the content, privacy policies, or practices of those third-party sites and assume no responsibility for them. We encourage you to review the terms and privacy policies of any third-party site you visit.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and the state in which Perkins Wealth Group LLC is registered, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved through binding arbitration or in the appropriate courts of that jurisdiction.

10. Modifications

We reserve the right to modify these Terms of Service at any time at our sole discretion. Changes will be posted on this page with an updated effective date. We may also notify you of material changes via email if you have provided your contact information. Continued use of our website or services following the posting of any changes constitutes your acceptance of the revised terms.

11. Contact Us

For questions regarding these Terms of Service, please contact us at:

Perkins Wealth Group LLC
Email: lloyd.perkins@perkinswealthgroup.com