Terms & Conditions

By accessing or using the website at kensingtonfa.com (the "Site"), operated by Kensington Financial Associates ("Kensington," "we," "us," or "our"), you confirm that you can form a binding agreement with us and that you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the Site.

The Site provides information about our lending services — concierge loans and lines of credit secured by the cash value of whole life insurance policies — and lets you check your eligibility, submit a pre-qualification request, or complete a secure loan application.

The Site is informational and is not an offer, solicitation, or commitment to lend. Submitting a pre-qualification request or application does not create a loan or guarantee approval. All loans are subject to review, underwriting, and final approval, and terms are confirmed directly with a member of our team.

Loans are subject to eligibility requirements and are not available in all states. Loan amounts, rates, and terms may vary based on your policy values and other factors, and are subject to approval.

A pre-qualification is not a loan approval. Any figures, ranges, or timelines shown on the Site are estimates for general information only and are not a promise of the amount, rate, or terms you may receive.

The information on the Site is provided for general informational purposes only and is not legal, tax, financial, or investment advice. It does not take into account your individual circumstances. You should consult your own qualified advisors before making decisions about your insurance policy or finances.

When you submit information or documents through the Site — including through the pre-qualification form and secure application — you confirm that the information you provide is accurate, current, and complete, and that you are authorized to share it.

Where you ask us to contact your insurance agent or carrier, or provide their contact details, you authorize us to do so on your behalf to verify your policy and process your request. You are responsible for keeping your information up to date and for the security of any device or account you use to access the Site.

All content on the Site — including text, graphics, logos, and the Kensington Financial Associates name and branding — is owned by Kensington or our licensors and is protected by copyright, trademark, and other laws. You may not copy, reproduce, distribute, or use our content for commercial purposes without our prior written permission.

You agree not to:

• Use the Site for any unlawful, fraudulent, or harmful purpose
• Submit information that is false, misleading, or that you are not authorized to provide
• Attempt to gain unauthorized access to the Site or its underlying systems or data
• Interfere with the Site's operation, including by introducing malware or overloading our servers
• Scrape or harvest data from the Site using automated tools, except as permitted by our robots.txt

The Site may use or link to third-party tools and websites we do not control, such as those of insurance carriers, payment providers, and infrastructure vendors. Your use of those tools may also be subject to the provider's own terms. We are not responsible for the content, accuracy, or practices of third-party sites or tools.

The Site is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or that any information on it is complete or current.

To the fullest extent permitted by law, Kensington will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site. Nothing in these Terms limits any rights or protections you have under applicable law governing your loan.

You agree to indemnify and hold Kensington harmless from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from the information you submit, your violation of these Terms, or your misuse of the Site.

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles. Any disputes arising from these Terms or your use of the Site will be resolved in the state or federal courts located in Miami-Dade County, Florida.

We may update these Terms from time to time. The Effective Date at the top of this page shows when they were last updated. Continuing to use the Site after changes are posted means you accept the updated Terms.

If you have questions about these Terms, please contact us:

• Kensington Financial Associates
• 2980 NE 207th Street, Suite 807, Aventura, FL 33180
• Email: info@kensingtonfa.com
• Phone: (877) 298-7331