Terms and Conditions for Use of Terry Hobbs Financial Website ("Terms of Use")

Please read these terms before using this site. By using this site, you agree to these terms.

Your Acceptance

These Terms of Use constitute an electronic contract between you and Terry Hobbs Financial LLC ("Terry Hobbs Financial"), a licensed insurance agent for Athene USA Corporation and its subsidiaries (collectively, "Athene"). These terms govern your use of this website (the "Site"). By using this Site, you agree to these Terms of Use and our Privacy Policy. Your use of a keypad, mouse, or other device to select items, buttons, icons, or similar actions constitutes your electronic signature ("E-Signature") and acceptance of these terms. No third-party verification is needed to validate your E-Signature. Each use of your E-Signature constitutes agreement to the Terms of Use as they exist on that date.

Intellectual Property Rights, Confidentiality

This Site and its materials are property of Terry Hobbs Financial and/or our partners and licensors, protected by applicable intellectual property laws. You may not use the Site or its materials in ways that infringe our rights or lack authorization. You may download and print individual pages for your personal use, maintaining all copyright notices. For permission requests, contact [email protected]. All materials on this Site are confidential and may only be used for exploring insurance products offered through Terry Hobbs Financial.

Limitation of Liability

To the fullest extent permitted by law, neither Terry Hobbs Financial, its partners, officers, employees, nor agents shall be liable for any direct, indirect, incidental, special, punitive, or consequential damages resulting from:

- Errors or inaccuracies in content

- Personal injury or property damage from Site use

- Unauthorized access to servers or stored information

- Service interruptions

- Viruses or malicious code

- Errors or omissions in content

Disclaimer of Warranties

Your use of the Site is at your sole risk. The Site and its services are provided "as is" without warranties of any kind. Terry Hobbs Financial disclaims all warranties, express or implied, including merchantability and fitness for a particular purpose. We do not warrant the accuracy or completeness of the Site's content or linked sites.

Registration

To access certain features, you may need to provide identifying information. You agree to provide accurate information and maintain password confidentiality. You are responsible for all activities under your login credentials. Notify us immediately of any unauthorized access.

Indemnity

You agree to defend and hold harmless Terry Hobbs Financial and its partners from claims arising from your Site use or Terms of Use violations.

Termination

We may terminate your Site access at any time without notice. All restrictions, disclaimers, and limitations survive termination.

Other

These Terms are governed by Iowa law. Any disputes will be adjudicated in Polk County, Iowa courts. These Terms constitute the entire agreement regarding Site use and supersede prior agreements. If any provision is invalid, the remaining provisions stay in effect.

For questions about these Terms, contact Terry Hobbs Financial at [email protected].