Terms and Conditions / Website Disclaimer

Effective Date: January 10, 2026
Last Updated: January 10, 2026

1. Introduction

This Terms and Conditions / Website Disclaimer (“Disclaimer”) applies to the website and digital properties of Faithland Investments & Financial Services, Inc. (doing business as “Steve Soyebo Insurance Agency”), a Texas corporation.

Business Information:

• Legal Entity: Faithland Investments & Financial Services, Inc.
• DBA: Steve Soyebo Insurance Agency
• Physical Address: 9730 Southwest Fwy, Suite 222, Houston, TX 77074
• Email: office@stevesoyebo.com
• Phone: (713) 773-9300
• Business Hours: Monday-Friday, 10:00 AM to 5:00 PM CST

This Disclaimer governs your use of our website located at [INSERT WEBSITE URL] and any related websites, mobile applications, social media pages, and digital platforms (collectively, the “Website”).

By accessing or using our Website, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer, along with our Terms of Use and Privacy Policy, which are incorporated herein by reference.

IF YOU DO NOT AGREE WITH THIS DISCLAIMER, YOU MUST IMMEDIATELY CEASE USING OUR WEBSITE.

2. Scope of Disclaimer

This Disclaimer covers all content, information, materials, tools, calculators, quotes, and resources available on our Website, including but not limited to:

• General insurance information and educational content
• Insurance quotes and premium estimates
• Blog posts, articles, and guides
• Calculators and interactive tools
• Forms and applications
• Videos, images, and multimedia content
• Downloadable resources and documents
• Links to third-party websites and resources
• User-generated content and testimonials
• Social media posts and communications

3. Information is for General Purposes Only

3.1 No Professional Advice

CRITICAL NOTICE: The information provided on our Website is for general informational and educational purposes only. It does NOT constitute professional advice of any kind.

Our Website content is NOT:

• Legal advice or a substitute for consultation with a licensed attorney
• Financial advice or investment recommendations
• Tax advice or tax preparation services
• Actuarial advice or professional risk assessment
• Medical advice or health recommendations
• Professional insurance advice tailored to your specific circumstances
• A comprehensive analysis of your insurance needs
• A recommendation to purchase any specific insurance product
• A binding contract or commitment of coverage

3.2 Not a Substitute for Professional Consultation

You should NOT:

• Rely solely on Website content to make insurance decisions
• Use Website information as a substitute for professional consultation
• Make binding decisions without speaking to a licensed insurance professional
• Assume that general information applies to your specific situation
• Use calculators or tools as definitive assessments of coverage needs

You SHOULD:

• Consult with a licensed insurance agent or broker for personalized advice
• Review all policy documents and terms before purchasing insurance
• Seek legal advice from an attorney for legal questions
• Consult with tax professionals for tax-related questions
• Speak with financial advisors for investment and financial planning
• Contact licensed professionals in relevant fields for specialized advice

3.3 General Information Only

All content on our Website is intended to provide general background information about:

• Types of insurance products and coverage options
• Insurance industry concepts and terminology
• Risk management principles
• Consumer rights and protections
• General insurance shopping tips
• Educational resources about insurance

This general information:

• May not be applicable to your specific circumstances
• May not reflect the most current laws or regulations
• May not account for state-specific insurance requirements
• Should not be considered comprehensive or exhaustive
• Is subject to change without notice

4. No Guarantee of Accuracy, Completeness, or Currency

4.1 Information May Be Outdated or Incomplete

While we make reasonable efforts to provide accurate and up-to-date information, we do NOT guarantee that:

• Information on our Website is accurate, complete, or current
• Content reflects the most recent legal or regulatory changes
• Insurance product descriptions are comprehensive or up-to-date
• Coverage details or pricing information is current
• Links to external resources are functional or current
• Third-party information is accurate or reliable

Information on our Website may:

• Contain errors, omissions, or inaccuracies
• Be outdated or superseded by more recent developments
• Be incomplete or lack important details
• Reflect past practices that have changed
• Not account for recent legal or regulatory changes
• Vary by state, carrier, or individual circumstances

4.2 Insurance Laws and Regulations Change

Insurance laws, regulations, and requirements:

• Vary significantly by state and jurisdiction
• Change frequently due to new legislation
• Are subject to regulatory interpretation
• May have been updated since content was published
• Require professional advice to understand properly

We are NOT responsible for:

• Changes in laws or regulations after content publication
• State-specific variations in requirements
• Regulatory interpretations or enforcement actions
• Court decisions that affect insurance matters
• Carrier-specific policy changes

4.3 No Duty to Update

We have NO obligation to:

• Update Website content to reflect current information
• Notify you of changes in laws, regulations, or products
• Correct errors or inaccuracies once published
• Remove outdated content
• Monitor third-party links for accuracy

While we may update content periodically, we make no commitment to do so and you should not rely on any information without independent verification.

5. Insurance Quotes and Estimates Disclaimer

5.1 Quotes Are Estimates Only – Not Guarantees

ALL INSURANCE QUOTES AND PREMIUM ESTIMATES PROVIDED ON OUR WEBSITE ARE APPROXIMATIONS ONLY AND ARE SUBJECT TO CHANGE.

Quotes displayed on our Website:

• Are estimates based on limited information
• May not reflect your final premium amount
• Are subject to underwriting review and approval
• May change based on additional information
• Are not binding commitments of coverage
• Do not constitute an offer of insurance
• Expire after a specified time period (typically 30-60 days)

Final premiums may differ from quoted amounts based on:

• Accuracy and completeness of information provided
• Underwriting review and risk assessment
• Credit score and claims history verification
• Property inspections and evaluations
• Motor vehicle record (MVR) checks
• Medical examinations (for life/health insurance)
• Carrier rate changes or rule modifications
• State regulatory requirements
• Market conditions and carrier appetite

5.2 No Coverage Until Policy is Issued

CRITICAL: Obtaining a quote does NOT provide insurance coverage.

You are NOT covered by insurance until:

1. Your application has been submitted and approved
2. The insurance carrier has issued a policy
3. Premium payment has been received and processed
4. The policy effective date has arrived
5. You have received written confirmation of coverage

Do NOT:

• Assume you have coverage based on a quote
• Cancel existing insurance until new coverage is confirmed
• Take any action that requires insurance protection
• Rely on coverage until you have written confirmation

5.3 Quotes Require Verification

All quotes are subject to:

• Verification of information provided
• Review of supporting documentation
• Inspection of property or vehicles
• Confirmation of claims history
• Credit and background checks
• Underwriting approval
• Carrier acceptance

We reserve the right to:

• Withdraw or modify quotes based on new information
• Decline to bind coverage if underwriting reveals issues
• Adjust premiums based on verification results
• Cancel quote requests that contain false information

5.4 Calculator and Tool Disclaimer

Online calculators and tools on our Website:

• Provide rough estimates only
• Are based on simplified assumptions
• May not account for all relevant factors
• Should not be used for final decision-making
• Require professional review for accuracy

These tools are NOT:

• Comprehensive needs assessments
• Professional risk analyses
• Binding recommendations
• Suitable for all situations
• Substitutes for professional consultation

6. No Insurance Agent-Client Relationship

6.1 Browsing Does Not Create a Relationship

Simply visiting, browsing, or using our Website does NOT create an insurance agent-client relationship or any professional relationship with Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency.

An agent-client relationship is NOT established by:

• Visiting our Website
• Reading content or articles
• Requesting a quote online
• Using calculators or tools
• Downloading resources
• Subscribing to newsletters
• Following us on social media
• Sending an email inquiry
• Filling out a contact form

6.2 When a Relationship is Established

An agent-client relationship is established ONLY when:

• You execute a signed client service agreement with us
• You submit a completed insurance application through us
• We agree in writing to represent you
• We bind coverage on your behalf with a carrier
• You receive written confirmation of our representation

6.3 No Duty Until Relationship is Established

Until an agent-client relationship is formally established:

• We have NO duty to monitor your insurance needs
• We have NO obligation to provide coverage recommendations
• We are NOT responsible for your insurance decisions
• We are NOT your agent or representative
• We have NO fiduciary duty to you

6.4 No Reliance on Website Content

You may NOT:

• Rely on Website content as personalized advice
• Assume that we are acting as your agent
• Expect us to monitor your coverage needs
• Hold us liable for decisions based on Website information
• Claim that Website content created an agent-client relationship

You acknowledge that:

• Website content is general information only
• You must establish a formal relationship for representation
• You are responsible for your own insurance decisions
• You should consult with a licensed professional for advice

7. Third-Party Information and Links Disclaimer

7.1 Third-Party Content

Our Website may contain information, content, or materials from third parties, including:

• Insurance carrier information and materials
• Industry association resources
• Government and regulatory publications
• News articles and press releases
• Guest blog posts and contributed content
• User reviews and testimonials
• Social media feeds and embeds
• External data sources and statistics

We do NOT:

• Verify the accuracy of third-party content
• Endorse third-party information or viewpoints
• Control or monitor third-party content
• Assume responsibility for third-party materials
• Warrant the quality or reliability of third-party information

Third-party content:

• May contain errors or inaccuracies
• Reflects the views of the third party, not ours
• May be outdated or incomplete
• Is provided “as is” without warranty
• Should be independently verified

7.2 External Links

Our Website may contain links to third-party websites, including:

• Insurance carrier websites
• Government and regulatory agencies
• Industry associations and organizations
• News sources and publications
• Educational resources
• Social media platforms
• Partner and affiliate websites
• Consumer advocacy organizations

CRITICAL: We are NOT responsible for:

• Content on external websites
• Privacy practices of third-party sites
• Security of third-party websites
• Accuracy of information on external sites
• Products or services offered by third parties
• Business practices of linked websites
• Changes to external websites
• Availability of linked content

By clicking external links:

• You leave our Website
• You are subject to the third party’s terms and policies
• You access third-party content at your own risk
• We have no control over your experience
• You should review the third party’s terms and privacy policy

7.3 Links Do Not Constitute Endorsement

The presence of a link on our Website does NOT constitute:

• An endorsement of the linked website
• A recommendation of third-party products or services
• A warranty of quality or accuracy
• A partnership or affiliation (unless explicitly stated)
• Our approval of third-party business practices

We provide links for:

• Your convenience only
• Informational purposes
• Educational resources
• Reference materials

7.4 Broken or Outdated Links

We are NOT responsible for:

• Broken or non-functional links
• Links to content that has moved or been removed
• Changes to linked content after we posted the link
• Maintenance of external links

If you encounter a broken link, you may report it to us, but we have no obligation to fix or remove it.

8. No Warranty or Guarantee Disclaimer

8.1 Website Provided “AS IS”

OUR WEBSITE AND ALL CONTENT, INFORMATION, MATERIALS, TOOLS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

Express Warranties:

• Warranties of quality or performance
• Warranties of fitness for a particular purpose
• Warranties of accuracy or completeness
• Warranties of merchantability

Implied Warranties:

• Implied warranty of merchantability
• Implied warranty of fitness for a particular purpose
• Implied warranty of non-infringement
• Any warranties arising from course of dealing or usage of trade

Operational Warranties:

• That the Website will be uninterrupted, timely, or error-free
• That defects will be corrected
• That the Website is free of viruses or harmful components
• That results from using the Website will be reliable
• That the Website will meet your requirements

8.2 No Guarantee of Results

WE DO NOT GUARANTEE OR WARRANT:

• That you will obtain insurance coverage
• That you will receive the lowest available rates
• That you will save money on insurance
• That carriers will accept your application
• That claims will be paid
• That coverage will meet your needs
• That our recommendations will be optimal
• That you will be satisfied with our services
• Any particular outcome or result

8.3 Technical Disclaimer

We do NOT warrant that:

• The Website will function without interruption
• The Website is compatible with all devices or browsers
• All features will work as intended
• Content will display correctly on all platforms
• Downloads will be virus-free
• Security measures are foolproof
• Data transmission is secure
• Your information will not be intercepted

You acknowledge that:

• Internet transmission is inherently insecure
• Technical issues may occur
• Website functionality may vary
• You use the Website at your own risk

9. Limitation of Liability

9.1 No Liability for Website Use

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAITHLAND INVESTMENTS & FINANCIAL SERVICES, INC. DBA STEVE SOYEBO INSURANCE AGENCY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR WEBSITE.

9.2 Types of Damages Excluded

We are NOT liable for:

Direct Damages:

• Loss of profits or revenue
• Loss of business or business opportunities
• Loss of data or information
• Costs of replacement services
• Costs of correcting errors or problems

Indirect and Consequential Damages:

• Indirect damages of any kind
• Incidental damages
• Consequential damages
• Special damages
• Punitive or exemplary damages
• Damages for loss of goodwill or reputation

Damages Arising From:

• Use or inability to use the Website
• Reliance on Website content or information
• Errors, omissions, or inaccuracies in content
• Unauthorized access to your information
• Viruses or harmful code transmitted through the Website
• Technical failures or interruptions
• Third-party content or links
• Decisions made based on Website information
• Insurance coverage denials or limitations
• Claims disputes or unpaid claims
• Delays in service or response times

9.3 Basis for Exclusion

These damages are excluded regardless of:

• The legal theory (contract, tort, negligence, strict liability, etc.)
• Whether we were advised of the possibility of such damages
• Whether such damages were foreseeable
• The failure of any limited remedy to achieve its essential purpose

9.4 Liability Cap

IF WE ARE FOUND LIABLE FOR ANY DAMAGES DESPITE THE ABOVE EXCLUSIONS, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF:

• One hundred dollars ($100), OR
• The total amount you paid us in the twelve (12) months preceding the claim

9.5 State Law Variations

Some jurisdictions do not allow exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

These limitations do NOT apply to:

• Liability that cannot be excluded by law
• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Gross negligence or willful misconduct

10. User Responsibilities and Conduct

10.1 Your Responsibility to Verify Information

You are solely responsible for:

• Verifying all information before relying on it
• Confirming accuracy with licensed professionals
• Conducting independent research
• Reading all policy documents and disclosures
• Understanding coverage terms and limitations
• Asking questions when you don’t understand something
• Ensuring insurance meets your specific needs

We strongly recommend that you:

• Consult with licensed insurance professionals
• Review multiple sources of information
• Verify quotes and coverage details
• Read all documents before signing
• Keep copies of all correspondence and documents

10.2 Accuracy of Information You Provide

When using our Website, you represent and warrant that:

• All information you provide is true and accurate
• You have not omitted any material information
• You will update information if it changes
• You are authorized to provide the information
• Information is not misleading or deceptive

Providing false or misleading information may result in:

• Denial of insurance coverage
• Cancellation or rescission of policies
• Denial of claims
• Legal liability
• Criminal prosecution for insurance fraud

10.3 Prohibited Uses

You may NOT use our Website to:

• Engage in any illegal activity
• Provide false or fraudulent information
• Impersonate another person or entity
• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit viruses or malicious code
• Attempt unauthorized access to systems
• Harvest or collect user information
• Send spam or unsolicited communications
• Interfere with Website operation
• Use automated tools without permission
• Engage in competitive research or data mining

10.4 Compliance with Laws

You agree to:

• Comply with all applicable federal, state, and local laws
• Comply with insurance regulations
• Respect intellectual property rights
• Follow industry best practices
• Use the Website only for lawful purposes

11. Insurance-Specific Disclaimers

11.1 We Are Independent Agents – Not Insurance Companies

CRITICAL NOTICE:

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency is an independent insurance agent and broker.

We are NOT:

• An insurance company
• An underwriter
• A claims adjuster
• A carrier or insurer
• An employee or representative of any insurance carrier

We DO:

• Represent multiple insurance carriers
• Act as an intermediary between you and carriers
• Provide quotes and comparisons
• Assist with applications and policy service
• Help with claims submission
• Advocate on your behalf (when an agent-client relationship exists)

We do NOT:

• Make underwriting decisions
• Determine coverage eligibility
• Set insurance rates or premiums
• Adjust or settle claims
• Guarantee claim payments
• Have authority to bind carriers without approval

11.2 Coverage Decisions Made by Carriers

All decisions regarding insurance coverage are made solely by the insurance carriers, including:

• Whether to accept or decline an application
• What coverage to offer
• Premium amounts and payment terms
• Policy terms, conditions, and exclusions
• Coverage limits and deductibles
• Claim approvals and denials
• Claim settlement amounts
• Policy cancellations or non-renewals

We have NO control over:

• Carrier underwriting guidelines
• Carrier pricing and rates
• Carrier claims handling
• Carrier business decisions
• Carrier solvency or financial strength

11.3 Policy Documents Control

In the event of any conflict or discrepancy between:

• Information on our Website
• Quotes or proposals we provide
• Verbal statements by our staff
• Marketing materials or advertisements
• Email communications
• AND the actual insurance policy documents issued by the carrier

THE INSURANCE POLICY DOCUMENTS SHALL CONTROL.

The insurance policy is the binding contract that:

• Defines coverage, exclusions, and limitations
• Establishes rights and obligations
• Governs claims and disputes
• Supersedes all prior representations
• Is issued by the insurance carrier, not by us

You MUST:

• Read all policy documents carefully
• Review coverage details and exclusions
• Understand your rights and obligations
• Ask questions if anything is unclear
• Keep copies of all policy documents

11.4 State-Specific Variations

Insurance requirements and regulations vary significantly by state.

Content on our Website:

• May not reflect your state’s specific requirements
• May discuss general concepts that vary by jurisdiction
• May not account for state-specific mandates
• Should not be assumed to apply to your state

You should:

• Consult with a licensed agent in your state
• Verify state-specific requirements
• Review your state’s insurance department resources
• Understand your state’s consumer protections

We are licensed to conduct business in specific states only. If you reside in a state where we are not licensed, we cannot provide insurance services to you.

11.5 Claims Disclaimer

We assist with claims submission and management, but:

• We do NOT determine coverage
• We do NOT adjust or investigate claims
• We do NOT guarantee claim payment
• We do NOT control settlement amounts
• We do NOT make coverage decisions

All claims are:

• Handled by the insurance carrier
• Subject to policy terms and conditions
• Evaluated based on facts and circumstances
• Determined by the carrier’s claims department
• Governed by state insurance law

If you disagree with a claims decision:

• Contact the carrier’s claims department
• Request a review or appeal
• Contact your state insurance department
• Consult with an attorney
• Follow the dispute resolution process in your policy

11.6 Premium Finance Disclaimer

If you finance your insurance premiums:

• You are entering a separate loan agreement
• Interest and fees will be charged
• Default may result in policy cancellation
• The finance company has separate terms and conditions
• We may receive compensation from the finance company

Premium financing is NOT:

• Part of your insurance coverage
• Governed by this Disclaimer
• Under our control
• Guaranteed or required

12. Intellectual Property Notice

12.1 Ownership of Website Content

All content on our Website, including but not limited to:

• Text, articles, and written materials
• Images, graphics, and photographs
• Videos and multimedia content
• Software and computer code
• Logos, trademarks, and branding
• Design, layout, and user interface
• Calculators and interactive tools
• Forms and templates

Is owned by Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, our licensors, or third-party content providers, and is protected by:

• United States copyright law
• International copyright treaties
• Trademark law
• Trade secret law
• Other intellectual property laws

12.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• View Website content for personal, non-commercial use
• Print content for your personal use
• Download materials explicitly made available for download

This license does NOT permit you to:

• Copy, reproduce, or distribute content
• Modify or create derivative works
• Use content for commercial purposes
• Remove copyright or proprietary notices
• Frame or mirror the Website
• Use automated tools to extract content
• Reverse engineer any software

12.3 Trademark Notice

The following are trademarks of Faithland Investments & Financial Services, Inc.:

• Steve Soyebo Insurance Agency
• Faithland Investments & Financial Services, Inc.
• Our logos and branding elements
• Other marks designated with ® or ™

You may NOT:

• Use our trademarks without written permission
• Create confusion about affiliation with us
• Disparage or dilute our trademarks
• Use our marks in meta tags or hidden text

All other trademarks are the property of their respective owners.

13. Privacy and Data Collection

13.1 Privacy Policy Incorporation

This Disclaimer should be read in conjunction with our Privacy Policy.

Our Privacy Policy explains:

• What information we collect
• How we use your information
• How we share your information
• Your privacy rights and choices
• How we protect your information

By using our Website, you consent to:

• Collection of information as described in our Privacy Policy
• Use of cookies and tracking technologies
• Processing of your personal information
• Data practices outlined in our Privacy Policy

13.2 Cookie Notice

Our Website uses cookies and similar tracking technologies to:

• Provide essential Website functionality
• Remember your preferences
• Analyze Website usage
• Deliver personalized content
• Enable marketing and advertising

By continuing to use our Website, you consent to our use of cookies as described in our Cookie Policy.

You can control cookies through:

• Your browser settings
• Opt-out tools and preferences
• Disabling cookies (may affect functionality)

14. Accessibility Statement

14.1 Commitment to Accessibility

We are committed to ensuring that our Website is accessible to people with disabilities. We strive to comply with:

• Web Content Accessibility Guidelines (WCAG) 2.1 Level AA
• Americans with Disabilities Act (ADA) requirements
• Section 508 of the Rehabilitation Act
• Other applicable accessibility standards

14.2 Accessibility Features

Our Website includes:

• Alternative text for images
• Keyboard navigation support
• Readable fonts and text sizing
• Color contrast considerations
• Screen reader compatibility
• Accessible forms and controls

14.3 Ongoing Efforts

We are continuously working to improve accessibility, but acknowledge that:

• Some content may not yet be fully accessible
• Third-party content may not meet accessibility standards
• Legacy content may require remediation
• New features are tested for accessibility

14.4 Accessibility Feedback

If you encounter accessibility barriers on our Website:

Contact us:

• Email: office@stevesoyebo.com
• Phone: (713) 773-9300
• Mail: 9730 Southwest Fwy, Suite 222, Houston, TX 77074

Please provide:

• Description of the accessibility issue
• URL where the issue occurred
• Your contact information
• Assistive technology being used (if applicable)

We will:

• Respond to your feedback within 5 business days
• Work to resolve accessibility issues
• Provide alternative formats when possible

15. Geographic and Jurisdictional Limitations

15.1 United States Focus

Our Website and services are intended for users located in the United States.

If you access our Website from outside the United States:

• Content may not be applicable to your jurisdiction
• We may not be licensed to provide services in your location
• Insurance products may not be available
• Legal and regulatory requirements differ
• You access the Website at your own risk

15.2 State Licensing

We are licensed to conduct insurance business in specific states only.

If you are located in a state where we are not licensed:

• We cannot provide insurance services to you
• We cannot bind coverage or process applications
• Information may not apply to your state
• You should contact a licensed agent in your state

To verify our licensing status:

• Contact your state insurance department
• Visit the National Association of Insurance Commissioners (NAIC) website
• Call us at (713) 773-9300

15.3 Texas-Specific Information

Much of the content on our Website reflects Texas insurance requirements and practices.

Texas-specific content:

• May not apply in other states
• Reflects Texas regulations and laws
• Assumes Texas residency or property location
• Should not be relied upon outside Texas

16. Changes to Website and Disclaimer

16.1 Right to Modify

We reserve the right to:

• Modify, update, or discontinue the Website at any time
• Change Website features or functionality
• Add or remove content without notice
• Suspend or terminate access to the Website
• Update this Disclaimer at any time

We have NO obligation to:

• Maintain the Website indefinitely
• Provide advance notice of changes
• Preserve or archive old content
• Maintain backward compatibility

16.2 Notice of Changes to Disclaimer

When we update this Disclaimer:

• We will change the “Last Updated” date
• Material changes may be announced on the Website
• Continued use constitutes acceptance of changes

You are responsible for:

• Reviewing this Disclaimer periodically
• Checking the “Last Updated” date
• Ceasing use if you disagree with changes

16.3 Website Availability

We do NOT guarantee that:

• The Website will always be available
• Access will be uninterrupted
• The Website will operate error-free
• Downtime will not occur
• All features will always function

The Website may be unavailable due to:

• Scheduled maintenance
• Technical issues or failures
• Security incidents
• Third-party service interruptions
• Force majeure events
• Business decisions

17. Testimonials and User Reviews Disclaimer

17.1 User Experiences May Vary

Testimonials, reviews, and user comments on our Website:

• Reflect individual experiences and opinions
• Are not representative of all customer experiences
• May not be typical or expected results
• Are provided by users, not verified by us
• May be edited for length or clarity

We do NOT:

• Guarantee similar results or experiences
• Verify the accuracy of testimonials
• Endorse statements made in reviews
• Compensate users for positive reviews (unless disclosed)

17.2 No Guarantee of Results

Past customer experiences do NOT guarantee:

• That you will have the same experience
• That you will obtain coverage
• That you will save money
• That you will be satisfied
• Any particular outcome or result

17.3 Compensation Disclosure

If we compensate users for testimonials or reviews:

• This relationship will be clearly disclosed
• The Federal Trade Commission (FTC) requires such disclosure
• Compensation may include gifts, discounts, or payments

18. Force Majeure

We shall not be liable for any failure or delay in performance of our Website or services due to causes beyond our reasonable control, including but not limited to:

• Acts of God: Earthquakes, floods, hurricanes, tornadoes, wildfires, severe weather
• War and Terrorism: War, terrorism, civil unrest, riots, insurrection
• Government Actions: Government orders, regulations, embargoes, sanctions
• Labor Disputes: Strikes, lockouts, labor shortages
• Public Health Emergencies: Pandemics, epidemics, quarantines
• Infrastructure Failures: Power outages, telecommunications failures, internet disruptions
• Cyber Events: Cyber attacks, hacking, denial-of-service attacks, ransomware
• Third-Party Failures: Failures of hosting providers, software vendors, insurance carriers
• Natural Disasters: Any other natural disaster or catastrophic event

During force majeure events:

• Website functionality may be limited or unavailable
• Response times may be delayed
• Services may be temporarily suspended
• We will make reasonable efforts to restore service

19. Severability and Interpretation

19.1 Severability

If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable:

• The remaining provisions shall remain in full force and effect
• The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable
• If modification is not possible, the provision shall be severed

19.2 No Waiver

Our failure to enforce any provision of this Disclaimer:

• Does NOT constitute a waiver of that provision
• Does NOT constitute a waiver of future enforcement
• Does NOT prevent us from enforcing the provision later

19.3 Headings

Section headings in this Disclaimer:

• Are for convenience only
• Have no legal or contractual effect
• Do not limit or expand the scope of provisions

19.4 Entire Agreement

This Disclaimer, together with:

• Our Terms of Use
• Our Privacy Policy
• Any other policies referenced herein

Constitutes the entire agreement regarding the subject matter herein and supersedes all prior or contemporaneous agreements, understandings, or communications.

20. Governing Law and Dispute Resolution

20.1 Governing Law

This Disclaimer shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

20.2 Jurisdiction and Venue

Any disputes arising from this Disclaimer or your use of the Website shall be resolved in:

• The state or federal courts located in Harris County, Texas
• You consent to the personal jurisdiction of such courts
• You waive any objection to venue in such courts

20.3 Arbitration

Disputes may be subject to binding arbitration as provided in our Terms of Use.

Please review our Terms of Use for complete details on dispute resolution, arbitration, and class action waiver provisions.

21. Contact Information for Questions About This Disclaimer

If you have questions about this Disclaimer, please contact us:

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency

Mailing Address:
9730 Southwest Fwy, Suite 222
Houston, TX 77074

Email:
office@stevesoyebo.com

Phone:
(713) 773-9300

Business Hours:
Monday-Friday, 10:00 AM to 5:00 PM CST

For Website Technical Issues:
Email Subject Line: “Website Technical Support”

For Content Questions:
Email Subject Line: “Website Content Inquiry”

We will respond to all inquiries within 10 business days.

22. Acknowledgment and Agreement

BY USING OUR WEBSITE, YOU ACKNOWLEDGE AND AGREE THAT:

1. You have read and understood this Disclaimer in its entirety
2. You agree to be bound by the terms of this Disclaimer
3. You understand that Website content is for informational purposes only
4. You will not rely on Website content as professional advice
5. You will verify all information before making decisions
6. You understand that quotes are estimates only
7. You understand that no insurance coverage exists until a policy is issued
8. You accept all risks associated with using the Website
9. You agree to the limitations of liability and disclaimers of warranty
10. You will consult with licensed professionals for personalized advice
11. You understand that we are independent agents, not insurance companies
12. You agree that insurance policy documents control over Website content
13. You accept responsibility for the accuracy of information you provide
14. You will comply with all applicable laws and regulations
15. You understand your rights may vary by state

IF YOU DO NOT AGREE TO THIS DISCLAIMER, YOU MUST IMMEDIATELY CEASE USING OUR WEBSITE.

This Terms and Conditions / Website Disclaimer is effective as of January 10, 2026, and supersedes all previous versions.

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency
9730 Southwest Fwy, Suite 222
Houston, TX 77074
office@stevesoyebo.com
(713) 773-9300