Acceptance of these terms
By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the site.
General information only
Website content is provided for general educational and informational purposes. It is not individualized insurance, investment, tax, accounting, legal, medical, or financial advice, and it is not a recommendation or offer to buy, sell, or replace any product. A website submission does not create an advisor-client, agent-client, fiduciary, attorney-client, or other professional relationship.
No guarantee of eligibility or results
Product availability, eligibility, premiums, benefits, underwriting decisions, tax treatment, investment outcomes, and other results depend on individual circumstances and may change. No outcome, approval, savings, return, employment opportunity, compensation level, or business result is promised or guaranteed.
Permitted use
You may use the site only for lawful personal or business-information purposes. You may not interfere with its operation; attempt unauthorized access; introduce malicious code; scrape or copy content at scale; impersonate another person; submit false information; or use the site in a way that violates law or the rights of others.
Intellectual property
The site design, text, graphics, logos, and other content are owned by or licensed to Newline and are protected by applicable intellectual-property laws. Limited personal viewing does not transfer any ownership rights or authorize commercial reuse.
Third-party services and links
The site may link to or use services operated by third parties. Newline does not control and is not responsible for third-party content, availability, security, terms, privacy practices, products, or services. A link does not necessarily indicate endorsement.
Disclaimer of warranties
To the fullest extent permitted by law, the site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. We do not warrant that the site will always be uninterrupted, error-free, secure, complete, or current.
Limitation of liability
To the fullest extent permitted by law, Newline and its owners, affiliates, personnel, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of data, revenue, profits, or opportunity, arising from use of or inability to use the site. Nothing in these terms limits liability that cannot lawfully be limited.
Indemnification
To the extent permitted by law, you agree to indemnify and hold Newline harmless from claims, losses, and reasonable costs arising from your unlawful misuse of the site, your violation of these terms, or your infringement of another party’s rights.
Changes and governing law
We may update these terms or modify the site at any time. Updated terms apply when posted. These terms are governed by applicable United States law and the law of the state in which Newline is principally located, without overriding any consumer protection that cannot lawfully be waived.
Contact
Questions about these terms may be sent to info@newlinefis.com or directed to 951-704-9422.