By accessing and using this website, you agree to the following terms and conditions:

Informative and Educational Content

The information presented on this website is purely informative and educational. The content does not constitute financial, legal, tax, or investment advice, nor should it be interpreted as such.

Product Disclaimer

The insurance products mentioned, including IUL (Indexed Universal Life) and FIA (Fixed Indexed Annuities), have their own specific terms and conditions in accordance with applicable law and are included in the individual contract between the user and an insurance company. The Top Minds does not offer these products directly. Any reference to these products is merely informative and does not constitute an offer for sale.

No Investment Advice

The Top Minds does not offer investment advice. Our protection strategies are based exclusively on insurance industry products and not on any other type of financial vehicle.

Illustrations and Projections

Any illustration or projection presented is hypothetical and does not guarantee future results. Past performance does not guarantee future results. Interest rates, market indices, and other economic factors may affect the performance of IUL and FIA products.

Risk Disclosure

Insurance products, including IUL and FIA, carry risks. Performance may fluctuate and there is a possibility of loss of principal. Users should carefully consider their financial objectives and risk tolerance before considering any insurance product.

Specific Regulatory Compliance

This website complies with all applicable regulations, including but not limited to:

The Securities Act of 1933 and 1934, State insurance and securities laws, NAIC (National Association of Insurance Commissioners) regulations

Privacy and Data Protection

We adhere to all applicable privacy and data protection laws, including the Gramm-Leach-Bliley Act and specific state insurance privacy regulations.

Indemnification

The user agrees to indemnify and hold harmless The Top Minds, its affiliates, related parties, directors, employees, and agents from any claim, damage, loss, or expense (including reasonable legal fees) arising from the use of the website or violation of these terms.

Time Limitation for Claims

Any cause of action or claim you may have with respect to the website must be commenced within one (1) year after the claim or cause of action arises.

No Creation of Professional Relationship

The use of this website does not create any professional relationship between the user and the owners or authors of the site. No rights or benefits are granted to the user unless explicitly established through a written contract with a licensed insurance agent affiliated with The Top Minds or any of its companies or related parties, at the time of issuance of an insurance policy or annuity.

License Requirement

Any transaction related to insurance products must be conducted through one of our duly licensed insurance agents in the corresponding state, following all applicable procedures and regulations.

Applicable Law

These Terms and Conditions are governed by the federal laws of the United States and, to the extent they do not conflict, by the laws of the state where the user resides.

Jurisdiction and Venue

Any legal action related to these terms or the use of the website will be brought exclusively in the federal or state courts located in Fort Bend County, Texas, or in Delaware, at the choice of The Top Minds.

Changes to Terms

We reserve the right to modify these terms of use at any time without prior notice. It is the user's responsibility to periodically review these terms.

Severability

If any provision of these Terms and Conditions is deemed invalid or unenforceable, such provision shall be interpreted in accordance with applicable law to the maximum extent possible to reflect the original intentions, and the remaining provisions shall remain in full force and effect.

Acceptance of Terms and Conditions

By using this website, you acknowledge that you have read, understood, and expressly accepted these Terms and Conditions and agree to review and accept the Privacy Policy.