Terms of Service

1. Acceptance of Terms

By accessing or using advancedcapitalmanagement.net (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.

2. Informational Purposes Only

The content on this Site is provided for general informational and educational purposes only. Nothing on the Site is intended as, and should not be construed as, legal, tax, accounting, or individualized investment advice. You should consult a licensed professional regarding your specific situation before making any financial decision.

3. No Offer or Solicitation

Information on this Site does not constitute an offer to sell, or a solicitation of an offer to buy, any insurance or financial product in any jurisdiction in which Advanced Capital Management ("ACM") is not licensed. ACM is currently licensed in Florida, Texas, Tennessee, Ohio, Pennsylvania, Michigan, Maryland, Wisconsin, Nevada, and Indiana. Insurance and annuity guarantees are subject to the claims-paying ability of the issuing carrier.

4. Calculators & Estimates

Any calculator, illustration, or projection on the Site is hypothetical and for illustrative purposes only. Actual rates, payments, and product features depend on the issuing carrier, your age, state of residence, underwriting, and other factors. Past performance does not guarantee future results.

5. Third-Party Links

The Site may contain links to third-party websites (such as Calendly, Google reviews, or carrier sites). We are not responsible for the content, accuracy, or privacy practices of any third-party site.

6. Intellectual Property

All content on this Site — including text, graphics, logos, images, and downloadable guides — is the property of Advanced Capital Management or its licensors and is protected by U.S. and international copyright laws. You may view and print pages for personal, non-commercial use, but you may not republish, redistribute, or create derivative works without prior written permission.

7. Acceptable Use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to any portion of the Site or its systems.
• Submit false or misleading contact information through any form on the Site.
• Use automated tools to scrape, harvest, or overload the Site.

8. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied. ACM does not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, ACM and its owners, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site, even if advised of the possibility of such damages.

10. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. Any dispute will be resolved in the state or federal courts located in Pinellas County, Florida.

11. Changes

We may update these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

12. Contact

Questions about these Terms? Contact us at john@advancedcapitalmanagement.net or (727) 542-7659.