Terms of Use

Last updated: [DATE — CLIENT TO SUPPLY AT LAUNCH]

Acceptance

By using this website you agree to these terms. If you do not agree, please do not use the site.

Educational content only

Everything published here is general education. It is not tax, legal, accounting, or investment advice, and it is not a recommendation that you buy, keep, replace, or surrender any financial product. Radhika Devarakonda is a licensed insurance agent and is not an attorney, a certified public accountant, or a registered investment adviser.

No offer or solicitation where not licensed

Nothing on this site constitutes an offer or solicitation of any insurance product in any state where the agent is not licensed. Licensing information is available on the About page and can be verified with the Oregon Division of Financial Regulation.

Products, guarantees, and availability

Product availability, features, provisions, riders, and rates vary by state, by carrier, and by individual policy, and are subject to underwriting. All guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Only the policy contract itself governs the terms of any coverage; nothing on this site modifies or supplements a policy.

No professional relationship

Reading this site, submitting the contact form, or booking a conversation does not create an agent-client relationship, does not apply for coverage, and does not bind any coverage. Coverage exists only when an application is submitted, underwritten, approved, and issued by an insurance company.

Accuracy and changes

We work to keep information accurate, but tax law, insurance regulation, and product rules change frequently. Content may become out of date, and we may change or remove it at any time without notice.

Third-party links

Links to other websites are provided for convenience. We do not control and are not responsible for their content, accuracy, or privacy practices.

Intellectual property

The text, layout, and design of this site belong to their respective owners. You may read, print, and share pages for personal, non-commercial use with attribution. No carrier names, logos, or trademarks are displayed on this site.

Acceptable use

Do not attempt to disrupt the site, access it by automated means for bulk collection, or submit unlawful, misleading, or harmful content through any form.

Disclaimer and limitation of liability

This site is provided “as is,” without warranties of any kind to the fullest extent permitted by law. To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Oregon, without regard to its conflict of law rules.

Contact

Questions about these terms: radlife.rdevarakonda@gmail.com, 203 554 5548.