Terms & Conditions

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Terms & Conditions

Andyroy Enterprises LLC

Effective Date: July 6, 2026

1. Acceptance of Terms

Welcome to Andyroy Enterprises LLC ("Company," "we," "our," or "us"). By accessing or using [www.andyroyenterprises.com](http://www.andyroyenterprises.com), any associated websites, landing pages, online services, webinars, educational content, appointment scheduling services, or communications provided by Andyroy Enterprises LLC (collectively, the "Services"), you agree to be bound by these Terms & Conditions.

If you do not agree with these Terms & Conditions, please do not use our Services.

2. About Our Services

Andyroy Enterprises LLC provides services and educational resources relating to:

* Financial education

* Insurance education

* Life insurance

* Final expense insurance

* Retirement planning

* Fixed indexed annuities

* Wealth-building education

* Estate planning referrals

* Business consulting

* Agent recruiting and training

* Educational webinars and seminars

Services may be modified, suspended, or discontinued at any time without prior notice.

3. No Financial, Legal, or Tax Advice

The information provided through our website, presentations, webinars, educational materials, social media content, emails, text messages, and other communications is for general informational and educational purposes only.

Nothing contained within our Services shall be construed as:

* Legal advice

* Tax advice

* Accounting advice

* Investment advice

* Fiduciary advice

You should consult qualified legal, tax, accounting, or financial professionals before making financial decisions.

4. Insurance Products

Insurance products are offered through properly licensed insurance professionals and are subject to underwriting approval by the issuing insurance carrier.

Coverage availability, eligibility, premiums, benefits, and policy issuance are determined solely by the insurance carrier.

Andyroy Enterprises LLC does not guarantee:

* Approval for coverage

* Policy issuance

* Specific premium rates

* Future policy performance

* Availability of any specific insurance product

5. Retirement and Financial Planning Information

Any retirement planning information provided by Andyroy Enterprises LLC is educational in nature.

Past performance does not guarantee future results.

Financial products may involve risks, limitations, fees, charges, surrender periods, market fluctuations, or other factors beyond our control.

You remain solely responsible for evaluating whether a financial product is suitable for your personal circumstances.

6. Agent Recruiting Disclaimer

Andyroy Enterprises LLC may recruit licensed and unlicensed individuals interested in careers within the insurance and financial services industry.

Any income examples, success stories, testimonials, or illustrations are provided solely for educational purposes.

We do not guarantee:

* Employment

* Income

* Commissions

* Bonuses

* Promotions

* Career advancement

Individual results vary based upon effort, licensing, experience, market conditions, skills, and numerous other factors.

7. User Responsibilities

You agree that you will:

* Provide accurate information

* Maintain the confidentiality of your account information

* Use the Services only for lawful purposes

* Comply with all applicable laws and regulations

* Not interfere with website functionality

* Not attempt unauthorized access to Company systems

You are solely responsible for all activities conducted through your use of our Services.

8. Intellectual Property Rights

All content appearing on our website and Services, including but not limited to:

* Logos

* Graphics

* Text

* Training materials

* Videos

* Audio recordings

* Downloads

* Presentations

* Designs

* Trademarks

are owned by Andyroy Enterprises LLC or licensed to us and are protected by applicable intellectual property laws.

You may not copy, reproduce, distribute, modify, sell, republish, or exploit any content without prior written consent.

9. Appointment Scheduling

Appointments may be scheduled through Acuity Scheduling or other scheduling platforms.

Appointment availability is not guaranteed.

Andyroy Enterprises LLC reserves the right to:

* Reschedule appointments

* Cancel appointments

* Refuse service when appropriate

Users are responsible for providing accurate scheduling information.

10. SMS Communications

By voluntarily providing your phone number, you consent to receive communications from Andyroy Enterprises LLC, including:

* Appointment reminders

* Customer service messages

* Follow-up communications

* Educational information

* Recruiting communications

* Marketing messages where permitted by law

Message frequency may vary.

Message and data rates may apply.

You may opt out by replying STOP to any text message.

11. Email Communications

By providing your email address, you consent to receive communications from Andyroy Enterprises LLC.

You may unsubscribe from promotional emails at any time using the unsubscribe link provided in applicable communications.

Transactional communications may continue when necessary to provide requested services.

12. Third-Party Services

Our Services may contain links to third-party websites, products, or services.

Andyroy Enterprises LLC does not control and is not responsible for:

* Third-party websites

* Third-party privacy practices

* Third-party content

* Third-party products or services

Your interactions with third parties are governed by their respective policies and agreements.

13. Disclaimer of Warranties

The Services are provided on an "AS IS" and "AS AVAILABLE" basis.

To the fullest extent permitted by law, Andyroy Enterprises LLC disclaims all warranties, whether express or implied, including:

* Merchantability

* Fitness for a particular purpose

* Non-infringement

* Accuracy

* Reliability

* Availability

We do not guarantee uninterrupted or error-free operation of our Services.

14. Limitation of Liability

To the fullest extent permitted by law, Andyroy Enterprises LLC, its officers, directors, employees, agents, contractors, affiliates, successors, and assigns shall not be liable for any:

* Indirect damages

* Incidental damages

* Consequential damages

* Special damages

* Punitive damages

* Loss of profits

* Loss of data

* Business interruption

arising out of or related to your use of the Services.

15. Indemnification

You agree to defend, indemnify, and hold harmless Andyroy Enterprises LLC and its affiliates from any claims, liabilities, damages, losses, costs, or expenses arising from:

* Your use of the Services

* Your violation of these Terms

* Your violation of any law

* Your infringement of any third-party rights

16. Governing Law

These Terms & Conditions shall be governed by and construed under the laws of the State of California, without regard to conflict of law principles.

17. Changes to These Terms

Andyroy Enterprises LLC reserves the right to modify these Terms & Conditions at any time.

Updated versions will become effective upon posting to our website.

Your continued use of the Services constitutes acceptance of the revised Terms.

18. Contact Information

Andyroy Enterprises LLC