Terms of Use

These Terms of Use ("Terms") govern your access to and use of prosperityservicesgroup.com (the "Site"), operated in connection with Kayla Price, a licensed independent insurance agent (NPN 18530055), and Prosperity Services Group LLC. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Educational Purpose Only

The Site is provided for general educational purposes about fixed indexed annuities, safe money strategies, and retirement income planning. Nothing on this Site constitutes a recommendation, endorsement, or solicitation to purchase any specific annuity, insurance product, or financial product. Any decision to purchase an annuity or other insurance product should be made only after reviewing the specific product's disclosures and speaking with a licensed agent about your individual circumstances.

2. Fixed Indexed Annuities Are Insurance Products

Fixed indexed annuities are insurance products, not securities. They are not deposits, are not FDIC or NCUA insured, and are not guaranteed by any bank or credit union. Guarantees associated with a fixed indexed annuity are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Fixed indexed annuities may be subject to surrender charges, market value adjustments, and other limitations described in the applicable contract and disclosure documents.

3. Licensed Insurance Agent Disclosure

Kayla Price is a licensed independent insurance agent (NPN 18530055) authorized to discuss and sell annuity and insurance products in the states listed on this Site. Licensed in: NC, SC, GA, FL, VA, MD, MI, KS, TX, OH. Any personalized product discussion that may follow your use of this Site's educational content will be conducted separately, by a licensed agent, and is not part of the educational content itself.

4. No Guarantee of Accuracy

Annuity products, rates, and terms change frequently and vary by carrier and state. While we strive to keep this Site accurate and current, we make no warranty, express or implied, that any information on the Site is complete, accurate, or up to date. Always confirm current rates, terms, and product features directly with the issuing insurance carrier or a licensed agent before making a purchase decision.

5. Use of the Site

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You may not: (a) copy, reproduce, or redistribute Site content for commercial purposes without our written permission; (b) attempt to interfere with the Site's normal operation; or (c) submit false or misleading information through any form on the Site.

6. Intellectual Property

All content on the Site, including text, graphics, logos, and the "PSG Annuity Guide," is owned by or licensed to Prosperity Services Group LLC and is protected by applicable intellectual property laws. You may view and share Site content for personal, non-commercial, educational use only.

7. Third-Party Links

The Site may link to third-party websites for your convenience. We do not control and are not responsible for the content or practices of third-party sites.

8. Limitation of Liability

To the fullest extent permitted by law, Prosperity Services Group LLC and Kayla Price shall not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of, or inability to use, the Site or its content, including any financial decisions made based on information found on the Site.

9. Communications Consent

By submitting a form on this Site, you consent to be contacted as described in our Privacy Policy, including by phone, text, and email, regarding annuities, retirement income planning, and related insurance products and services.

10. Changes to These Terms

We may revise these Terms from time to time. The "Effective Date" above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law principles.

12. Contact Us

Questions about these Terms may be directed to Kayla Price, licensed independent insurance agent (NPN 18530055), Prosperity Services Group LLC, at [email protected] or866-648-1578.