The rules and expectations for using this site.

By accessing or using this website (the "Site"), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, please do not use the Site.

These terms apply to all visitors, users, and others who access or use the Site. We may update these terms at any time, and your continued use of the Site after changes are posted means you accept the updated terms.

You are welcome to use this Site for personal, non-commercial purposes — to learn about our services, read educational content, and get in touch with us. When you use the Site, you agree not to:

• Use the contact form to send spam, solicitations, or misleading information
• Scrape, copy, or download large portions of the Site for unauthorized use
• Attempt to interfere with the Site's security, availability, or performance
• Use automated tools (such as bots or crawlers) to access or interact with the Site without permission
• Impersonate another person or misrepresent your identity in any submission

We reserve the right to restrict access or remove submissions that violate these rules or appear to be abusive.

All content on this Site — including text, images, graphics, logos, design elements, and the overall look and feel — is owned by or licensed to Melissa LeMay Financial and is protected by copyright, trademark, and other intellectual property laws.

You may view, print, or share links to pages for personal, non-commercial use. You may not reproduce, distribute, modify, display, or create derivative works from any part of the Site without our prior written permission.

The information on this Site is for general educational and informational purposes only. It is not personalized financial, insurance, tax, or legal advice, and it is not a recommendation to buy any specific product or service.

• Insurance and financial products are subject to underwriting, carrier approval, and their own terms and conditions
• Coverage, rates, and availability vary by person, location, carrier, and other factors
• While we make reasonable efforts to keep information accurate and current, we do not guarantee that everything on the Site is complete, error-free, or up to date
• Past performance, examples, or case studies do not guarantee future results

Decisions about insurance, planning, and finances should be made based on a personal conversation with a qualified professional who understands your specific situation.

This Site is provided "as is" and "as available," without warranties of any kind, either express or implied, to the fullest extent permitted by law.

To the fullest extent permitted by law, Melissa LeMay Financial and its representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to your use of, or inability to use, this Site or any information contained on it — even if we have been advised of the possibility of such damages.

This Site may include links to external websites, tools, or resources for your convenience. These links are not endorsements, and we are not responsible for the content, privacy practices, or accuracy of any third-party site.

When you leave this Site, you are subject to the terms and policies of the third-party site you visit. We encourage you to review those terms before providing any personal information.

These Terms of Use are governed by the laws of the State of New York, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these terms or your use of the Site shall be brought in the state or federal courts located in or near Saratoga County, New York.

We may update these Terms of Use from time to time to reflect changes in our practices, services, or applicable law. When we do, we will revise the "last updated" date above. Material changes will be posted on this page. Your continued use of the Site after any changes means you accept the revised terms.

If you have questions about these Terms of Use, please reach out directly.