01 Educational Purpose — Not Advice
All content on this Site — including articles, guides, the Wealth Glossary, historical examples, quiz results, calculators, and downloadable resources — is provided for general educational and informational purposes only. Nothing on this Site constitutes legal, tax, accounting, or investment advice, and nothing on this Site is a recommendation to buy, keep, or replace any specific financial product. You should consult qualified professionals — including a licensed attorney and tax advisor — regarding your individual circumstances before making financial decisions.
02 Insurance Products and Licensing
Insurance services are offered by Sarbjit Kaur, California Life & Health Insurance License #4559962, affiliated with World Financial Group. Insurance products, including indexed universal life insurance, are subject to state availability, carrier underwriting approval, and the terms, conditions, limitations, and exclusions of the individual policy issued by the carrier. Policy guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier, not by Legacy Wealth Builders LLC. Products and services may not be available in all states.
03 No Legal or Tax Services
Legacy Wealth Builders LLC does not practice law and does not provide legal or tax services. Trust and estate planning documents are prepared exclusively by licensed estate attorneys in our independent referral network, who are solely responsible for the legal services they provide. Discussion of tax treatment on this Site reflects general rules under current federal law, which may change; your results depend on your individual situation, and you should confirm tax questions with a qualified tax professional.
04 Illustrations, Calculators, and Quiz Results
Any projections, calculator outputs, hypothetical examples, or strategy illustrations on this Site — including references to the Infinite Banking Concept and policy cash value growth — are hypothetical and for illustration only. They are not a guarantee, prediction, or promise of future results. Actual performance varies by carrier, product, policy design, funding, timing, and individual circumstances. Policy loans and withdrawals are subject to carrier terms, reduce cash value and death benefit, and may have tax consequences if a policy lapses or is classified as a modified endowment contract.
05 Assessment Quiz and Lead Resources
Our assessment quiz and downloadable resources are educational tools designed to help you identify topics worth discussing. Quiz scores and categories are not a financial plan, a suitability determination, or a product recommendation. Submitting the quiz or a form constitutes your request for us to contact you about the topics you selected.
06 Intellectual Property
The Site and its content — including text, graphics, logos, the Legacy Wealth Builders name and marks, page designs, interactive tools, and downloadable materials — are owned by Legacy Wealth Builders LLC or used with permission, and are protected by copyright and trademark law. You may view, download, and print content for your personal, non-commercial use. You may not copy, republish, distribute, sell, license, or create derivative works from Site content without our prior written permission.
07 Acceptable Use
You agree not to misuse the Site — including attempting to interfere with its operation, scraping content, submitting false information, or using the Site for any unlawful purpose.
08 Third-Party Services and Links
The Site uses and links to third-party services, including scheduling, email, chat, and carrier websites. Those services are governed by their own terms and privacy policies. We are not responsible for third-party content or practices.
09 Disclaimer of Warranties
The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied. While we work to keep content accurate and current, we do not warrant that the Site will be error-free, uninterrupted, or that content reflects the most recent legal, tax, or product developments.
10 Limitation of Liability
To the fullest extent permitted by law, Legacy Wealth Builders LLC and its members, officers, and representatives will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Site or reliance on its content. Nothing in these terms limits any rights you may have under an insurance policy issued to you by a carrier, which is governed by the policy's own terms.
11 Governing Law
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Site will be resolved in the state or federal courts located in San Joaquin County, California.
12 Changes to These Terms
We may update these Terms from time to time. The “Last updated” date above reflects the most recent version. Continued use of the Site after changes means you accept the updated Terms.
13 Contact
Legacy Wealth Builders LLC
4539 South B Street, Stockton, CA 95206
info@legacywealthbuildersllc.com · (209) 250-7716