Terms & Conditions
A legal disclaimer
The explanations and information provided on this page are only general and high-level explanations and information on how to write your own document of Terms & Conditions. You should not rely on this article as legal advice or as recommendations regarding what you should actually do, because we cannot know in advance what are the specific terms you wish to establish between your business and your customers and visitors. We recommend that you seek legal advice to help you understand and to assist you in the creation of your own Terms & Conditions.
Terms & Conditions - the basics
​Welcome to the website of Shango Financial (“Company,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use this website.
Nature of Services
Shango Financial operates as an insurance advisory firm. We provide information, consultations, and assistance related to insurance products offered by third-party insurance carriers.
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We do not underwrite insurance policies. All insurance products are subject to the terms, conditions, and approval of the issuing insurance carrier.
No Guarantee of Coverage or Rates
Insurance coverage, pricing, eligibility, and availability are determined solely by insurance carriers. Quotes provided are estimates only and do not constitute a binding offer of coverage.
Final terms are confirmed only upon policy issuance by the carrier.
Use of Website
You agree to use this website for lawful purposes only. You may not:
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Use the website in any way that violates applicable laws or regulations
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Attempt to gain unauthorized access to systems or data
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Misuse forms, contact information, or communication tools
We reserve the right to restrict or terminate access to the website at our discretion.
No Legal, Tax, or Financial Advice
Information provided on this website is for general informational purposes only and does not constitute legal, tax, or financial advice.
You should consult licensed professionals regarding your specific legal, tax, or financial situation before making decisions.
Client Responsibilities
Clients are responsible for:
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Providing accurate and complete information
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Reviewing policy documents upon receipt
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Understanding coverage limits, exclusions, and obligations
Failure to disclose accurate information may result in denial of coverage or claim rejection by the insurance carrier.
Fees and Payments
Any advisory, consultation, or service fees charged by Shango Financial are disclosed prior to service and are governed by our Refund Policy.​
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Insurance premiums are collected on behalf of insurance carriers and are subject to carrier terms.
Intellectual Property
All content on this website, including text, logos, graphics, and design elements, is the property of Shango Financial and may not be copied, reproduced, or distributed without prior written consent.
Third-Party Links
This website may contain links to third-party websites for convenience. Shango Financial is not responsible for the content, accuracy, or practices of third-party sites.
Accessing third-party sites is done at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Shango Financial shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
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Use or inability to use this website
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Reliance on information provided
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Actions or decisions made by insurance carriers
Indemnification
You agree to indemnify and hold harmless Shango Financial, its affiliates, and representatives from any claims, damages, or expenses arising from your use of this website or violation of these Terms.
Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of the updated terms.
Governing Law
These Terms and Conditions are governed by the laws of the state in which Shango Financial is licensed to operate, without regard to conflict of law principles.