Terms & Conditions

Welcome to my website. By using this site, you agree to the following terms and conditions. Please read them carefully, and feel free to reach out if you have any questions.

 

1. General Information Only

The content on this website is provided for general educational purposes. It is not intended to be—and should not be taken as—financial, investment, legal, or tax advice. While I aim to provide helpful insights, every individual’s situation is unique. Please consult with a qualified professional before making decisions that impact your finances or your family’s future.

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2. Licensing & Jurisdiction

I am licensed to offer life, health, and annuity products in the states of Georgia and Florida. This website is intended for individuals residing in those states. If you are located outside of those areas, please contact me directly to determine whether I can serve you or refer you to someone who can.

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3. No Guarantees

I work hard to share reliable, relevant information—but I do not guarantee that the content on this site is always complete, up to date, or applicable to your specific circumstances. Any reliance you place on this information is at your own risk.

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Additionally, scheduling a call or contacting me through this site does not establish a client-advisor relationship. We’ll need to have a clear agreement in place before that happens.

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4. Third-Party Links & Tools

This site may include links to third-party websites, tools, or scheduling services (like Calendly). I do not control those websites and am not responsible for their content, privacy practices, or performance.

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5. Intellectual Property

Unless otherwise stated, all content on this site—including text, graphics, and downloadable materials—is the property of Crossroads Financial, LLC and may not be reproduced, distributed, or used without written permission.

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6. Limitation of Liability

I will not be held liable for any direct or indirect loss or damage that arises from your use of this website or reliance on its content. Use of this site is entirely at your own risk.

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7. Changes to These Terms

I may update these terms from time to time without notice. Continued use of the website after changes are made will be considered acceptance of the updated terms.

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8. Governing Law

These Terms & Conditions are governed by the laws of the State of Georgia, without regard to its conflict of law provisions.

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9. Contact

If you have any questions about these Terms, feel free to reach out:

Kit Kitchens
Kit@crossroadsfin.com
Crossroads Financial, LLC
478.330.3331