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Use: the site is for general information and to contact our agency. Do not misuse it, try to break it, or copy it for commercial use without written permission.

No advice or guarantee: see our Disclaimer. Content is not legal, tax, medical or financial advice.

No client relationship: using the site, downloading a guide, or sending a form does not make you our client. A client relationship starts only when we agree to it in writing or by completing an application with you.

Information you send: please give accurate information. You are responsible for what you submit.

Intellectual property: the guides, text, images and logos belong to Gerberg Financial & Insurance Agency, LLC or its licensors. You may use guides for personal use and may share them unchanged with attribution. You may not sell or edit them.

Limit of liability: to the fullest extent allowed by law, the site is provided "as is," and we are not liable for indirect or consequential damages from using it.

Governing law: California law applies. Disputes are heard in the courts of San Diego County, California.

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