LAST UPDATED: AUGUST 2026
Terms of Use
Acceptance of Terms
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations. If you do not agree to these terms, you should not use this website. We reserve the right to modify these terms at any time, and such modifications shall be effective immediately upon posting.
Intellectual Property
All information, content, and materials available through this website are the exclusive property of Charles Smith Life Financial & Insurance Services (the "Company") or its licensed information providers. You may not distribute, modify, transmit, reuse, or use the content of the site for public or commercial purposes without our written permission.
Disclaimer of Warranties
The information and materials provided on this website are provided "as is" without any express or implied warranties of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the functions contained in the materials will be uninterrupted or error-free.