TERMS OF USE
Last updated: August 4, 2026
These Terms of Use govern your access to and use of fppfinancial.com and its related pages, calculators, educational materials, videos, forms and resources (collectively, the “Website”). The Website is operated by FPP Financial (“FPP Financial,” “we,” “us” or “our”).
By accessing or using the Website, you agree to these Terms. If you do not agree, do not use the Website.
EDUCATIONAL PURPOSE ONLY
The Website provides general educational information about retirement income, retirement taxes, insurance strategies, annuities, indexed universal life insurance, Roth conversions, estate-planning considerations and related subjects.
Website content is not individualized financial, investment, insurance, legal, accounting or tax advice. It is not a recommendation to purchase, sell or change any financial or insurance product.
You should consult appropriately licensed financial, insurance, legal and tax professionals regarding your individual circumstances before making decisions.
NO PROFESSIONAL RELATIONSHIP
Using the Website, downloading a resource, submitting a form, using the chat feature or scheduling an appointment does not automatically create an advisory, fiduciary, attorney-client, accountant-client or insurance-client relationship.
Any professional relationship must be established separately and will be governed by applicable disclosures, contracts, applications and other written documents.
INSURANCE AND FINANCIAL-PRODUCT INFORMATION
Insurance and annuity products vary by company, state, eligibility, policy terms and individual circumstances. Product availability and features are not guaranteed.
Insurance guarantees are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company. Insurance and annuity products are not bank deposits and are not FDIC insured.
Withdrawals, loans, surrenders and other transactions may affect policy values, benefits, guarantees and taxes. Some products may include surrender charges, expenses, limitations or eligibility requirements. Review the applicable carrier documents and consult appropriate professionals before proceeding.
NO GUARANTEES
Examples, projections, historical information, illustrations, hypothetical scenarios and discussions of potential outcomes are provided for educational purposes only.
Past performance does not guarantee future results. Actual results may differ materially due to product performance, fees, taxes, withdrawals, policy charges, interest rates, market conditions, changes in law and individual circumstances.
FPP Financial does not guarantee that any strategy will eliminate taxes, prevent losses, produce a particular return or provide a specific amount of retirement income.
CALCULATORS AND ESTIMATES
Any calculator, scorecard, worksheet or interactive tool available through the Website provides general educational estimates based on the information entered and the assumptions used.
Calculator results are not quotes, carrier illustrations, financial plans, tax calculations or guarantees. Results may not account for all fees, product charges, tax rules, underwriting considerations, policy provisions or personal circumstances.
Do not make a financial or insurance decision based solely on a Website calculation.
ESTATE-PLANNING INFORMATION
FPP Financial is not a law firm and does not provide legal advice or prepare legal documents.
EstateDocsPro and other estate-document providers referenced on the Website are independent third parties. Their products, services, terms, privacy practices and legal-document processes are controlled by those providers.
Estate laws vary by state and individual circumstances. Consult a qualified estate-planning attorney before creating, signing or relying upon legal documents.
THIRD-PARTY SERVICES AND LINKS
The Website may contain links to or integrations with third-party websites and services, including Calendly, MailerLite, YouTube, EstateDocsPro, chat providers and other educational or technology platforms.
FPP Financial does not control independent third parties and is not responsible for their content, availability, security, privacy practices, products or services. A link or reference does not necessarily constitute an endorsement.
Your use of a third-party service is governed by that provider’s own terms and privacy policy.
DOWNLOADS AND EDUCATIONAL MATERIALS
Guides, scorecards, videos, worksheets and other downloadable resources are provided for personal, noncommercial educational use.
You may download and print these materials for your own use. You may not sell, republish, modify, distribute, reproduce commercially or represent the materials as your own without prior written permission from FPP Financial.
INTELLECTUAL PROPERTY
Unless otherwise stated, the Website’s text, graphics, branding, videos, downloads, page designs and original materials are owned by or licensed to FPP Financial and are protected by applicable intellectual-property laws.
FPP Financial, its logo and related branding may not be used without written permission.
ACCEPTABLE USE
You agree not to:
• Use the Website for unlawful, fraudulent or harmful purposes
• Attempt to gain unauthorized access to the Website, accounts, servers or data
• Introduce malware, harmful code or disruptive technology
• Interfere with the Website’s operation or security
• Copy, scrape or harvest Website content or personal information through automated means without permission
• Misrepresent your identity or submit false or misleading information
• Use Website materials in a manner that infringes another party’s rights
USER SUBMISSIONS
You are responsible for information you submit through forms, chat, email or other Website features.
Do not submit Social Security numbers, financial-account credentials, medical records or other highly sensitive information through ordinary Website forms, chat or email.
Submissions do not create a confidential professional relationship unless one is established separately in writing.
PRIVACY
Your use of the Website is also governed by our Privacy Policy. Review that policy to understand how information may be collected, used and shared.
WEBSITE AVAILABILITY AND ACCURACY
We attempt to provide useful and accurate information, but we do not guarantee that all Website content will always be complete, current, accurate, uninterrupted or error-free.
Financial, tax, insurance and estate laws and products may change. We may modify, suspend or discontinue any Website feature or content without notice.
DISCLAIMER OF WARRANTIES
To the fullest extent permitted by law, the Website and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied.
We disclaim implied warranties of merchantability, fitness for a particular purpose, title and non-infringement to the extent permitted by law.
LIMITATION OF LIABILITY
To the fullest extent permitted by law, FPP Financial and its owners, employees, agents and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from or related to your use of—or inability to use—the Website, its content, third-party links, calculators or downloadable materials.
Nothing in these Terms excludes liability that cannot legally be excluded.
INDEMNIFICATION
To the extent permitted by law, you agree to indemnify and hold harmless FPP Financial and its owners, employees and agents from claims, losses or expenses arising from your unlawful use of the Website, violation of these Terms or infringement of another party’s rights.
CHANGES TO THESE TERMS
We may update these Terms periodically. Changes become effective when posted on this page with a revised “Last updated” date. Continued use of the Website after an update constitutes acceptance of the revised Terms.
SEVERABILITY
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
GOVERNING LAW
These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law principles. Subject to applicable law, disputes relating to these Terms or the Website will be handled in the appropriate state or federal courts located in Maricopa County, Arizona.
CONTACT INFORMATION
Questions about these Terms may be directed to:
FPP Financial
Dylan Foster
Email: Dylan@FPPFinancial.com
Phone: 602-292-2768
Website: https://fppfinancial.com