Terms of Service

1. Acceptance of Terms

By accessing and using this website and our services, you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our services.

2. Services Provided

Grow I|O provides licensed insurance advisory services, including:

• Life insurance consultations and sales
• Financial needs analysis
• Policy review and recommendations
• Educational content and resources

3. Licensing and Compliance

We are licensed insurance professionals operating in compliance with state and federal regulations. All insurance products are subject to underwriting approval by insurance carriers. We act as independent agents representing multiple insurance companies.

4. No Financial Advice

The information provided on this website and during consultations is for educational purposes only and should not be considered financial, investment, legal, or tax advice. We are insurance professionals, not investment advisors or financial planners. You should consult with appropriate licensed professionals for advice specific to your situation.

5. No Guarantees

While we strive to provide accurate information and quality service, we make no guarantees regarding insurance approval, specific policy performance, or financial outcomes. Insurance products are subject to the terms and conditions of the issuing insurance company.

6. User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information
• Update us promptly of any changes to your information
• Review all policy documents carefully before signing
• Ask questions if you don't understand something
• Not misuse or attempt to compromise our website or systems

7. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Grow I|O or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Use of third-party websites is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Grow I|O shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services or inability to use our services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Grow I|O, its affiliates, and their respective officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms or your violation of any law or rights of a third party.

11. Termination

We reserve the right to terminate or suspend your access to our services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the website. Your continued use of our services after changes are posted constitutes acceptance of the modified Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our principal office is located, without regard to conflict of law principles.

14. Contact Information

If you have questions about these Terms of Service, please contact us: