Terms of Use

Welcome to bowersadvisorygroup.org. These Terms of Use ("Terms") govern your access to and use of the Bowers Advisory Group website (the "Site"). By using this Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Informational Purpose Only

The content on this Site is provided for general informational and educational purposes only. It does not constitute legal, tax, investment, or financial advice, and no attorney-client, fiduciary, or advisory relationship is created by your use of the Site. You should consult qualified professionals regarding your specific circumstances.

2. No Guarantees or Investment Advice

Bowers Advisory Group provides financial education, insurance-based strategies, and consulting services. We do not provide investment management or securities advice, and no guarantees are made regarding financial outcomes. Any references to strategies, products, or planning concepts are illustrative only.

3. Licensing & State Availability

Insurance and consulting services offered through Bowers Advisory Group are available only in states where the firm and its representatives are properly licensed. Product availability and features may vary by license, carrier, and state requirements. Nothing on this Site constitutes an offer or solicitation in a jurisdiction where such offer or solicitation would be unlawful.

4. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. You may not use the Site to (a) transmit malicious code, (b) attempt to access data not intended for you, (c) interfere with the Site's operation, or (d) engage in fraudulent activity.

5. Intellectual Property

All content on this Site — including text, images, logos, marks, and the "Legacy Blueprint™" framework — is the property of Bowers Advisory Group or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

6. Third-Party Links & Content

The Site may contain links to third-party websites or resources. We are not responsible for the content, accuracy, or practices of any third-party site, and inclusion of a link does not imply endorsement.

7. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Bowers Advisory Group, its representatives, and its affiliates will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of the Site, even if advised of the possibility of such damages.

9. Privacy

Your use of the Site is also subject to our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the state in which Bowers Advisory Group maintains its principal place of business, without regard to conflict-of-law principles.

12. Contact

Questions about these Terms can be sent to legacy@bowersadvisorygroup.org or by phone at (661) 802-3486.