Educational information—not individualized advice
Website pages, calculator estimates, FAQs, and automated responses are provided for general educational and planning-discussion purposes. They are not individualized financial, investment, insurance, tax, legal, accounting, retirement-plan, or business-valuation advice and are not a recommendation, offer, solicitation, or guarantee.
Registration of an investment adviser or representative does not imply a particular level of skill or training. Review Simple Financial's current public registration and disclosure documents through the official IAPD links provided on this site.
No relationship is created
Using the site, submitting an inquiry, receiving a response, or viewing a calculator result does not create an advisory, consulting, insurance, fiduciary, attorney-client, or tax-professional relationship. Any engagement requires eligibility review, required disclosures, and a separate written agreement defining scope, responsibilities, conflicts, and fees.
Do not make or delay a financial, investment, insurance, tax, legal, business, or retirement decision solely because of website content. Seek advice appropriate to your circumstances.
Calculator assumptions and insurance illustrations
Calculator results depend entirely on the values and assumptions entered. Taxes, inflation, fees, market returns, interest, timing, cash flows, policy costs, underwriting, legal rules, and personal circumstances can differ materially. Results are estimates, may not reflect every available strategy, and do not predict future performance or establish product suitability.
References to term, whole life, indexed universal life, cash value, or illustration values are educational comparisons. They are not insurance quotes, policy recommendations, guarantees, or representations that a policy will perform as illustrated. Only an issued policy and carrier materials define benefits, costs, exclusions, guarantees, and non-guaranteed elements.
Permitted use
You may use the site for personal, noncommercial evaluation and may print your own results. You may not interfere with operation or security, attempt unauthorized access, transmit malicious code, submit unlawful or deceptive information, overload the service, misrepresent the source of content, or use automated systems in a way that bypasses published controls or materially disrupts availability.
Machine-readable catalogs and supported browser tools may be used to discover public content and run educational calculations within their documented limits. Such access does not authorize extraction of private data, circumvention of rate or security controls, or representation of calculator output as professional advice.
Third-party services and links
The site may link to regulators, service providers, client portals, or other third-party websites. Those services have separate terms, privacy practices, availability, and content. A link does not imply endorsement of all third-party content, and Simple Financial is not responsible for a third party's site or decisions.
Optional Microsoft Clarity analytics and the FlexConnect inquiry workflow, built on the HighLevel platform, are governed in part by their providers' terms and privacy statements. The website privacy policy explains how these services fit into this site's data flow.
Availability, changes, and responsibility
We work to keep the site stable, secure, accurate, and available, but it is provided on an as-available basis. Content may contain errors or become outdated, and access may be interrupted for maintenance, security, provider failure, or circumstances beyond reasonable control. To the extent permitted by law, Simple Financial disclaims implied warranties and is not liable for decisions made solely from website estimates or for indirect, incidental, special, or consequential loss arising from use of the site.
We may change, suspend, or discontinue site features and may revise these terms. The effective date will be updated when terms change. If any provision is unenforceable, the remaining provisions continue to apply. Applicable mandatory consumer protections are not waived.
Contact and governing law
Questions about these terms may be sent to contact@simplefinancial.com or +1 801-876-1171. Informal questions do not create an engagement or extend a filing, claim, or response deadline.
Except where applicable law requires otherwise, these terms are governed by Utah law, without regard to conflict-of-law principles. Any forum or limitation language remains subject to rights that cannot lawfully be waived.