Terms of Service

By using this website you agree to these terms. If you do not agree, please do not use the site.

Educational purposes only

All content on this site, including guides, assessments, and any tools, is provided for general education and information only. It is not insurance, tax, legal, or investment advice, and it is not an offer or solicitation of any specific product. Nothing here creates a client, fiduciary, or advisory relationship. Any examples or figures are hypothetical, are not guarantees of future results, and actual results will vary.

Insurance and licensing

Rafferty Yao is a licensed insurance agent (CA Insurance Lic# 0N15573) contracted with Freedom Equity Group. Products can be solicited and presented only in states where the agent is properly licensed, and any product details, illustrations, and applications must be presented by a properly licensed agent. Indexed universal life is life insurance, not an investment or a security. Insurance and annuity guarantees are based on the claims-paying ability of the issuing insurance company.

Careers

Information about agent opportunities describes independent contractor roles with Freedom Equity Group, not employment. No income is guaranteed; earnings depend on individual effort, skill, licensing, and results, and vary widely. Nothing on this site is an offer of employment or a guarantee of earnings.

No warranties; limitation of liability

This site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Rafferty Yao is not liable for any damages arising from your use of, or reliance on, this site or its content. Links to third-party sites are provided for convenience and are not endorsements; I am not responsible for their content.

Changes & contact

These terms may be updated from time to time; continued use means you accept the current version. Questions? Email raff.yao888@gmail.com.

This template is provided as a starting point and is not legal advice. It should be reviewed and approved by Freedom Equity Group and qualified counsel before going live.