Terms of Use
TERMS OF USE
Effective Date: October 5, 2026
Welcome to the 13:22 Agency website.
By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the website.
1. INFORMATIONAL PURPOSE
The information provided on this website is intended for general informational and educational purposes only.
Nothing contained on this website should be interpreted as individualized legal, tax, investment, medical, or financial advice.
2. NO GUARANTEE OF COVERAGE
Submitting a form through this website:
• Does not create an insurance contract
• Does not bind insurance coverage
• Does not guarantee eligibility
• Does not guarantee approval
• Does not guarantee a particular premium
• Does not constitute an insurance application unless expressly stated otherwise
Insurance coverage becomes effective only in accordance with the applicable insurer's underwriting, approval, policy issuance, payment, and effective-date requirements.
3. PRODUCT AVAILABILITY
Insurance products, policy features, premiums, underwriting requirements, eligibility, and availability may vary by:
• State
• Insurance carrier
• Product
• Age
• Health
• Underwriting
• Individual circumstances
• Applicable laws and regulations
Not every product discussed on this website is available to every individual or in every state.
4. IUL, ANNUITY, AND RETIREMENT INFORMATION
Any information regarding Indexed Universal Life insurance, annuities, retirement strategies, rollovers, or cash-value life insurance is provided for educational purposes only.
Past market performance does not guarantee future results.
Index-linked insurance products do not necessarily represent direct investments in a stock market index.
Product caps, participation rates, spreads, floors, fees, insurance costs, surrender charges, policy expenses, crediting methods, and other terms may affect policy values and performance.
Policy loans and withdrawals may reduce available cash value and death benefits and may have tax consequences or cause a policy to lapse.
Consumers should review the actual insurance contract, illustrations, disclosures, and carrier materials before making a decision.
Individuals considering a retirement-plan rollover should carefully evaluate available options, costs, features, tax implications, investment alternatives, and individual circumstances and consult appropriate licensed professionals when necessary.
5. NO GUARANTEED RESULTS
13:22 Agency does not guarantee financial results, investment returns, policy performance, tax treatment, savings, wealth accumulation, or retirement outcomes.
Examples, projections, illustrations, or hypothetical scenarios are not promises of future performance.
6. ACCURACY OF INFORMATION
We attempt to provide accurate and useful information; however, we do not warrant that all website information will always be complete, current, error-free, or applicable to every individual situation.
7. USER RESPONSIBILITIES
You agree to provide accurate information when submitting forms through our website.
You agree not to:
• Submit fraudulent information
• Impersonate another individual
• Attempt unauthorized access to our systems
• Interfere with website security
• Introduce malicious software
• Scrape or harvest information without authorization
• Use the website for unlawful purposes
8. INTELLECTUAL PROPERTY
Unless otherwise stated, the website's branding, design, text, graphics, logos, videos, educational content, and other original materials are owned by or licensed to 13:22 Agency.
You may not reproduce, distribute, modify, republish, sell, or commercially exploit these materials without permission, except as permitted by applicable law.
9. THIRD-PARTY SERVICES
Our website may link to or integrate with third-party services.
We are not responsible for the content, security, availability, accuracy, or privacy practices of third-party websites or services.
10. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, 13:22 Agency and its owners, affiliates, representatives, agents, employees, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this website.
Nothing in these Terms excludes liability that cannot legally be excluded.
11. PRIVACY
Your use of the website is also subject to our Privacy Policy.
12. CHANGES
We may modify these Terms of Use from time to time.
The revised version will become effective when posted unless otherwise stated.
13. GOVERNING LAW
These Terms will be governed by applicable federal law and the laws of the State of Florida, without regard to conflict-of-law principles, except where another jurisdiction's laws are required to apply.
14. CONTACT
Questions regarding these Terms may be directed to:
13:22 Agency
1322 Agency
3959 Van Dyke Rd. Lutz, FL 33558
Email: info@1322Agency.com
Phone: 813-748-8262