Terms of Use

1. Educational and Informational Purposes Only

The content on this website is provided solely for general educational and informational purposes. Nothing on this website constitutes individualized financial, investment, securities, legal, accounting, medical, or tax advice.

Website content should not be relied upon as a substitute for advice from appropriately qualified professionals who understand your complete financial situation, goals, tax status, legal circumstances, retirement timeline, liquidity needs, and tolerance for risk.

2. No Client or Advisory Relationship

Accessing this website, submitting a contact form, requesting information, downloading materials, communicating electronically, or scheduling an appointment does not by itself create an insurance-agent, advisory, fiduciary, professional, contractual, or client relationship.

Any relationship involving an insurance or annuity product will be governed by applicable licensing requirements, suitability or best-interest standards, carrier requirements, completed applications, required disclosures, and the terms of the insurance contract.

3. No Offer, Solicitation, or Guarantee

Nothing on this website constitutes an offer to sell, a solicitation to buy, or a recommendation concerning any particular insurance, annuity, investment, security, or financial product.

Product availability, rates, bonuses, caps, participation rates, spreads, income percentages, rider features, underwriting requirements, surrender periods, and other contract terms may vary and may change without notice.

No financial result, rate of return, level of income, tax result, market performance, approval, or product availability is guaranteed unless expressly stated in the final contract issued by the applicable insurance company.

4. Annuity and Insurance Information

Annuities are insurance contracts. Guarantees associated with an annuity are subject to the financial strength and claims-paying ability of the issuing insurance company.

Fixed indexed annuities do not invest directly in a market index. Interest credited under an indexed strategy may be affected by caps, participation rates, spreads, volatility controls, index methodology, contract provisions, or other limitations.

Withdrawals may reduce contract values and benefits and may be subject to surrender charges, market-value adjustments, income taxes, and additional tax penalties when applicable. Optional riders may involve additional charges and restrictions.

5. Illustrations, Examples, and Projections

Any hypothetical examples, calculators, projections, illustrations, income estimates, market comparisons, or historical scenarios shown on this website are provided only to demonstrate general concepts.

They are not promises, guarantees, or predictions of future performance. Actual results will depend on product terms, age, state, premium amount, timing, withdrawals, tax treatment, carrier practices, index performance, and other individual circumstances.

6. Accuracy and Availability

CAB Financial Solutions™ attempts to provide useful and accurate information but does not warrant that website content will always be complete, accurate, current, available, secure, or free from errors.

Information may become outdated because of changes in laws, regulations, tax rules, carrier practices, insurance products, market conditions, rates, or other circumstances. We may update, remove, or modify website content at any time without notice.

7. Market Data and Third-Party Information

Market prices, charts, index information, economic data, news, quotations, and other third-party information may be delayed, estimated, incomplete, or inaccurate.

CAB Financial Solutions™ does not independently control or verify all third-party data and is not responsible for decisions made in reliance on that information.

8. Third-Party Websites and Services

This website may contain links to Zoom, scheduling platforms, social-media services, insurance companies, market-data providers, government resources, or other third-party websites.

These links are provided for convenience only. CAB Financial Solutions™ does not control and is not responsible for the content, security, availability, privacy practices, products, representations, or services of any third party.

Your use of a third-party website or service is governed by that party’s own terms and privacy policies and is at your own risk.

9. Acceptable Use

You agree not to use this website to:

• Violate any applicable federal, state, or local law.
• Transmit malware, harmful code, spam, or unauthorized commercial communications.
• Attempt to gain unauthorized access to the website, its servers, accounts, databases, or security systems.
• Scrape, copy, reproduce, distribute, or commercially exploit website content without written permission.
• Impersonate another person or submit false, misleading, or fraudulent information.
• Interfere with the proper operation, security, or availability of the website.

10. Intellectual Property

Unless otherwise identified, the text, design, branding, graphics, layouts, videos, educational materials, and other original content appearing on this website are owned by or licensed to Central Alabama Benefits LLC.

You may view and print limited content for your personal, noncommercial use. You may not reproduce, modify, publish, distribute, sell, license, or commercially exploit website content without prior written permission.

11. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this website and all content are provided on an “as is” and “as available” basis without warranties of any kind, whether express, implied, statutory, or otherwise.

CAB Financial Solutions™ and Central Alabama Benefits LLC disclaim warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, noninfringement, security, and freedom from viruses or harmful components.

12. Limitation of Liability

To the fullest extent permitted by applicable law, CAB Financial Solutions™, Central Alabama Benefits LLC, and their owners, employees, agents, contractors, affiliates, and service providers will not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your access to, use of, inability to use, or reliance upon this website or any linked website.

This limitation includes, without limitation, losses involving income, savings, profits, business opportunities, data, retirement assets, investment performance, taxes, market activity, computer systems, or unauthorized access.

Some jurisdictions do not permit certain exclusions or limitations of liability. In those jurisdictions, the limitations in these Terms will apply only to the fullest extent permitted by law.

13. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless CAB Financial Solutions™, Central Alabama Benefits LLC, and their owners, employees, agents, affiliates, contractors, and service providers from claims, liabilities, losses, damages, expenses, and reasonable legal fees arising from your misuse of the website, violation of these Terms, infringement of another party’s rights, or violation of applicable law.

14. Privacy and Electronic Communications

Information submitted through this website is subject to our Privacy Policy. Although reasonable measures may be used to protect information, no internet transmission or electronic storage system can be guaranteed to be completely secure.

By contacting us electronically, you consent to receive replies through the email address, telephone number, or other contact information you provide, subject to applicable law and your communication preferences.

15. Availability by State

Insurance products and services are available only in jurisdictions where the applicable insurance professional and insurance company are properly licensed and where the product is approved for sale.

References to a product or service do not mean that the product is available or appropriate in every state or for every person.

16. Changes to These Terms

We may revise these Terms of Use at any time. Updated Terms will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

17. Governing Law

These Terms are governed by the laws of the State of Alabama, without regard to conflict-of-law principles, except where federal law or another applicable law requires otherwise.

Any legal proceeding relating to these Terms or use of the website will be brought in a court of competent jurisdiction, subject to applicable law.

18. Severability and Entire Agreement

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

These Terms, together with the Privacy Policy and any other notices posted on the website, constitute the agreement concerning use of this website.