Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Fairmont Trust & Annuity website at fairmonttrust.com, including any related webinars, forms, educational content, and communications ("Services"). Please read these Terms carefully before using our site.

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.

1. Acceptance of Terms

Your use of this website constitutes your acceptance of these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and prospective clients who access or use the Services in any way.

2. Our Services

Fairmont Trust & Annuity is an independent insurance agency specializing in fixed index annuities (FIAs). We are licensed to sell insurance products in the states where we operate, in accordance with applicable insurance laws and regulations.

Our Services include, but are not limited to:

• Educational webinars and workshops about fixed index annuities and retirement planning concepts
• Informational content published on this website
• Free strategy sessions and consultations with licensed representatives
• Product illustrations and comparisons from licensed insurance carriers

We are not a registered investment adviser, broker-dealer, or securities firm. Our services are limited to insurance products, specifically fixed index annuities.

3. Not Financial, Legal, or Tax Advice

Every individual's financial situation is unique. Before making any financial decision, you should consult with a qualified and licensed financial advisor, attorney, and/or CPA who can evaluate your specific circumstances. Fairmont Trust & Annuity representatives are licensed insurance agents, not investment advisers or attorneys.

Past performance of any index, product, or strategy referenced on this site is not a guarantee of future results. Illustrations and projections are hypothetical and based on assumptions that may not reflect actual outcomes.

4. Eligibility

You must be at least 18 years of age to use our Services. By using this site, you represent and warrant that you are 18 or older and have the legal capacity to enter into these Terms. Our products are only available where we are duly licensed. Availability of specific products varies by state.

5. Acceptable Use

You agree to use this website only for lawful purposes and in a manner consistent with these Terms. You agree not to:

• Use the site in any way that violates applicable federal, state, or local laws or regulations
• Attempt to gain unauthorized access to any part of our site, servers, or systems
• Transmit any unsolicited or unauthorized advertising, spam, or promotional material
• Reproduce, duplicate, copy, sell, or exploit any portion of the Services without our express written permission
• Submit false, misleading, or fraudulent information through any form on this site
• Interfere with or disrupt the integrity or performance of our website or services

6. Intellectual Property

All content on this website, including text, graphics, logos, images, webinar recordings, and educational materials, is the property of Fairmont Trust & Annuity or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may view and print content from this site for your personal, non-commercial use only. You may not reproduce, distribute, publish, modify, or create derivative works from any content on this site without our prior written consent.

7. Third-Party Services and Links

Our website may use third-party platforms including webinar software, scheduling tools, CRM systems, and email service providers. Your use of those platforms is subject to their own terms of service and privacy policies.

This site may also contain links to external websites. We do not endorse, control, or take responsibility for the content or practices of any third-party sites. Visiting any linked site is at your own risk.

8. Disclaimers

THIS WEBSITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, FAIRMONT TRUST & ANNUITY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any information on this site.

Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company, not by Fairmont Trust & Annuity or any government agency.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FAIRMONT TRUST & ANNUITY AND ITS OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR OUR SERVICES.

Our total liability to you for any claims arising from your use of the Services shall not exceed the amount you paid us, if any, in the three months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Fairmont Trust & Annuity and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of a third party.

11. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of the Services shall be resolved exclusively in the state or federal courts located in Broward County, Florida, and you consent to the personal jurisdiction of those courts.

You agree that any claim or cause of action arising from your use of the Services must be filed within one year after the claim arose, or be forever barred.

12. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14. SMS Messaging Program

Program description: By providing your phone number and checking the SMS consent box on our contact or inquiry forms, you agree to receive text messages from Fairmont Trust & Annuity. Messages may include appointment reminders, follow-up communications about your inquiry, and educational content related to fixed index annuities and retirement planning. This is an optional program and consent is not required as a condition of any purchase or service.

How to opt out: You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message confirming your opt-out and no further messages will be sent. To re-enroll, reply START.

Help: Reply HELP to any message for assistance, or contact us at fairmonttrust.com/contact.

Message and data rates: Message and data rates may apply to all SMS messages sent and received. Message frequency varies. Fairmont Trust & Annuity does not charge for SMS messages, but your mobile carrier's standard messaging rates apply.

Carrier liability disclaimer: Fairmont Trust & Annuity and its SMS service providers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your network operator. Carrier message and data rates may apply.

Supported carriers: SMS service is available on major US carriers including but not limited to AT&T, Verizon, T-Mobile, and Sprint. Carrier support is not guaranteed for all networks or MVNOs.

13. Contact Us

If you have questions about these Terms, please contact us: