Terms & Conditions
Website Terms of Use
By accessing or using this website, you agree to the following Terms & Conditions. Please read them carefully before using this site. If you do not agree with these terms, please do not use this website.
Purpose of This Website
This website is provided for informational and educational purposes only.
The content on this site is intended to help users understand general life insurance options and processes. It does not constitute insurance advice, legal advice, or a binding offer of coverage.
No Guarantee of Coverage
Reviewing information, completing questionnaires, contacting us, or scheduling a call does not guarantee:
Insurance coverage
Policy issuance
Approval
Rates or pricing
All insurance products are subject to carrier underwriting, eligibility requirements, and approval.
No Obligation or Payment Required
There is no obligation to apply for insurance and no payment is required to:
Review information on this website
Complete a questionnaire
Contact us for general guidance
Use of Information
Information provided through this website or questionnaire is used to:
Understand your interests and needs
Provide general information and guidance
Respond to inquiries
Your use of this website is subject to our Privacy Policy.
Accuracy of Information
We make reasonable efforts to ensure that the information on this website is accurate and up to date. However, we do not guarantee that all information is complete, current, or error-free.
Insurance products, terms, and availability may change and vary by carrier and jurisdiction.
Third-Party Services & Links
This website may include links to third-party websites or services. These links are provided for convenience only. We are not responsible for the content, availability, or privacy practices of third-party websites.
Intellectual Property
All content on this website—including text, graphics, logos, and layout—is the property of Melendez Financial Services and may not be copied, reproduced, or distributed without prior written consent.
Limitation of Liability
Melendez Financial Services is not liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on its content.
