Disclaimer

General Information

The information provided on the BlueTide Financial website is for general informational and educational purposes only. It is not intended to be, and should not be construed as, professional financial, legal, tax, or investment advice. You should not rely solely on the information presented on this website when making financial decisions.

No Professional Relationship

The content on this website does not create a professional relationship between you and BlueTide Financial or any of its representatives. Accessing or using this website does not establish a client relationship. A formal professional relationship is only established through a signed agreement and the completion of all necessary documentation.

Not Tax or Legal Advice

BlueTide Financial is an independent insurance agency. We do not provide tax, legal, or accounting advice. The information presented on this website regarding tax strategies, estate planning, or legal matters is for educational purposes only. You should consult with qualified tax professionals, attorneys, or accountants regarding your specific situation before making any decisions.

Insurance Products and Services

Insurance products and services are offered through BlueTide Financial as an independent insurance agency. We are not affiliated with or endorsed by any specific insurance carrier unless explicitly stated. Important considerations regarding insurance products:

• Insurance products are subject to underwriting approval and may not be available in all states
• Policy features, benefits, and costs vary by carrier and product
• Illustrations and projections are hypothetical and not guaranteed
• Past performance does not guarantee future results
• All insurance products have limitations, exclusions, and conditions that are detailed in the policy contract

Indexed Universal Life (IUL) Insurance

Indexed Universal Life insurance policies are complex financial products. Returns are based on the performance of a market index but are subject to caps, participation rates, and floors as defined in the policy. While IUL policies offer downside protection (typically a 0% floor), they also limit upside potential through caps and participation rates. Cash value growth is not guaranteed and depends on policy performance, fees, and market conditions. Policy loans and withdrawals may reduce the death benefit and cash value, and may have tax consequences.

Investment and Financial Information

Any discussion of investment strategies, financial planning concepts, or wealth-building techniques on this website is for educational purposes only. BlueTide Financial does not provide investment advisory services. We do not recommend specific investments, securities, or investment strategies. For investment advice, please consult with a registered investment advisor or financial planner.

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the completeness, accuracy, reliability, or availability of any information on this website. Tax laws, insurance regulations, and financial products change frequently. Information that was accurate at the time of publication may become outdated. We reserve the right to modify, update, or remove content at any time without notice.

Calculators and Tools

Any calculators, tools, or interactive features on this website provide estimates for educational purposes only. Results are based on the information you provide and certain assumptions, which may not reflect your actual situation. These tools should not be used as the sole basis for financial decisions. Actual results may vary significantly based on individual circumstances, market conditions, and product features.

Third-Party Content and Links

This website may contain links to third-party websites or reference third-party products and services. These links and references are provided for convenience only and do not constitute an endorsement. We are not responsible for the content, accuracy, or practices of third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.

Licensing and Regulatory Information

BlueTide Financial and its representatives are licensed to sell insurance products in specific states. License Number: NAA529684. Insurance products and services may not be available in all states. All insurance transactions are subject to state insurance regulations and carrier underwriting guidelines.

Limitation of Liability

To the fullest extent permitted by law, BlueTide Financial, its owners, employees, and representatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

No Guarantees or Warranties

This website and all information, content, and materials are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to 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 from viruses or other harmful components.

Testimonials and Case Studies

Any testimonials, case studies, or client success stories presented on this website represent individual experiences and results. These examples are not representative of all clients' experiences and should not be considered typical or guaranteed results. Individual results will vary based on personal circumstances, financial situations, and market conditions.

Changes to Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of this website after changes are posted constitutes your acceptance of the modified disclaimer.

Contact Information

If you have questions about this disclaimer or need clarification on any information presented on this website, please contact us: