Terms of Use

1. This site is for information

Everything here is general information. It is not an offer to sell, or a solicitation to buy, insurance or any other product in any state where we are not properly licensed, appointed, and authorized. Rainmaker Wealth Innovations is not an insurance carrier.

2. No advice without a licensed review

Nothing on this site is personal insurance, financial, tax, or legal advice. Your needs and options can only be reviewed in a conversation with a licensed professional who knows your situation. Talk to your own tax or legal adviser about those matters.

3. No guarantees

We do not guarantee that you will be offered or approved for any coverage, or that any rate, benefit, or feature will be available to you. Product availability, eligibility, contract terms, and benefits vary by state and by issuing insurer. Underwriting decisions are made by the carrier.

4. Quotes and illustrations

A quote, estimate, or illustration is not a contract and not a promise of coverage. Coverage begins only when an insurance carrier issues a policy or contract and its conditions are met. The carrier's policy or contract terms govern, and they control if anything on this site differs.

5. Sending us a request

Sending a form asks us to contact you. It does not create coverage, a client relationship, or an agent appointment. Please do not include Social Security numbers, health records, bank details, or other sensitive personal information in your message. See our Privacy Policy for how we handle what you send.

6. Calls and texts

If you tick the optional consent box, you agree to receive marketing calls or texts as described in the wording shown beside it. Consent is not a condition of buying insurance or receiving information. Message and data rates may apply. Reply STOP to opt out of texts, or contact us at the details below to stop calls. [CONFIRM: final text-message terms, such as how often messages are sent, once the marketing consent wording is approved by legal]

7. Agent opportunities

Content about joining Rainmaker is general information. It is not a promise of income, earnings, a job, or an appointment. Results depend on licensing, effort, market conditions, carrier appointments, and other factors, and vary from person to person. Becoming an agent requires the proper license and carrier approval. Any relationship with Rainmaker starts only when a separate written agreement is signed.

8. Links to other sites

This site may link to other websites, such as insurance carriers. We do not control them and are not responsible for their content or practices. A link is not an endorsement.

9. Our content

The text, design, logos, and other material on this site belong to Rainmaker or its licensors and are protected by law. You may view and share pages for your own personal, non-commercial use. You may not copy, sell, or reuse the content for other purposes without our written permission.

10. Using the site properly

Please do not misuse the site: no attempts to break or overload it, to gain unauthorized access, to send false or harmful information, or to submit a form using someone else's details.

11. Disclaimer

The site and everything on it are provided "as is" and "as available," without warranties of any kind, to the fullest extent the law allows. We try to keep information accurate and current but do not promise that it is complete, up to date, or free of errors, or that the site will always be available or error-free.

12. Limit of liability

To the fullest extent the law allows, Rainmaker and its owners, staff, and service providers are not liable for indirect, incidental, special, or consequential damages, or for lost profits, arising from your use of the site or reliance on its content. Some places do not allow these limits, so they may not apply to you. Nothing here limits any right you have that the law does not allow to be limited.

13. Governing law

These terms are governed by the laws of the State of California, without regard to its conflict-of-law rules. [CONFIRM: governing law and where disputes are heard]

14. Changes

We may change these terms or the site at any time. The effective date at the top shows the latest version. Continued use after a change means you accept it.

15. Contact

Rainmaker Wealth Innovations, Inc. ("RWI Financial")
Email: [email protected]
Phone: [PHONE]
Mailing address: [MAILING ADDRESS]

See also: Privacy Policy and Insurance Disclosures.