These Terms of Use explain the terms and conditions governing your use of this website.

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 may use this Site for lawful purposes, including learning about our services, educational materials, and contacting us regarding potential services. 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
• Use the Site in a manner that could damage our reputation, interfere with our business operations, or violate applicable laws

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 Melissa LeMay Financial or used with permission from applicable owners, 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.

Melissa LeMay Financial does not provide investment advisory services unless separately authorized and disclosed.

• Insurance products are subject to underwriting, carrier approval, policy 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
• Examples, illustrations, or hypothetical scenarios are for educational purposes only and may not reflect actual results or available policy terms

Any insurance illustrations or examples are hypothetical and are not guarantees of future policy performance. Actual results depend on policy terms, premiums, carrier assumptions, and other factors.

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

Your use of this Site or submission of information through this Site does not create an insurance agent-client relationship, fiduciary relationship, or advisory relationship. Such relationships are created only through a completed engagement or application process.

Information submitted through this website is not an application for insurance coverage unless specifically completed through approved carrier application procedures.

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 these Terms shall be subject to the applicable courts located in New York State, unless otherwise required by applicable law.

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 contact Melissa LeMay Financial using the contact information provided on this website.