Terms of Use

Effective Date: 17/12/2025

Acceptance of Terms

By accessing and using the PXNCL website, services, or content, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website.

Purpose of Information

All content provided on this website is for educational and informational purposes only. PXNCL does not provide legal, tax, or accounting advice through this website. Any financial strategies discussed are general in nature and may not be suitable for every individual.

No Investment Advice

Information on this website should not be considered:

  • Investment advice
  • Financial planning advice
  • A recommendation to purchase or sell any financial product

     

Financial products, including life insurance and annuities, are subject to underwriting, carrier approval, and policy terms.

Individual Results May Vary

Financial outcomes depend on:

  • Individual circumstances
  • Market conditions
  • Carrier performance
  • Product structure

     

PXNCL does not guarantee specific results, rates of return, or financial outcomes beyond what is contractually stated in issued policies.

Use of Website

You agree to use this website only for lawful purposes. You may not:

  • Attempt to disrupt the website
  • Gain unauthorized access
  • Misuse any content or services provided

Intellectual Property

All content, branding, logos, text, graphics, and materials on this website are the property of PXNCL and are protected by applicable intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited without written permission.

Third Party Links

This website may contain links to third-party websites for informational purposes. PXNCL is not responsible for the content, accuracy, or privacy practices of any external websites.

Limitation of Liability

PXNCL shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on its content. Use of the website is at your own risk.

No Client Relationship

Use of this website does not establish a client, advisor, or fiduciary relationship. A formal relationship is established only after:

  • Direct consultation
  • Execution of appropriate agreements

Compliance and Licensing

PXNCL operates in accordance with applicable state and federal regulations. Insurance products are offered through properly licensed agents. Availability of products and services may vary by state.

Changes to Terms

PXNCL reserves the right to update or modify these Terms of Use at any time without prior notice. Continued use of the website constitutes acceptance of any changes.

Governing Law

These Terms of Use shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction in which PXNCL operates.

Contact Information

For questions regarding these Terms of Use, please contact PXNCL through the contact information provided on this website.