IbyFin · Where Clarity Builds Legacy

Disclaimer

Effective Date: November 17, 2025  ·  Last Updated: July 17, 2026

1. General Information Only — Not Advice

Your financial situation is unique. Before making any financial decision, you should consult with a qualified professional who can evaluate your individual circumstances, including a licensed financial professional, attorney, or tax advisor as appropriate.

2. Licensing and Scope of Services

IbyFin provides financial education and insurance-based financial solutions through appropriately licensed professionals. Insurance products and services are offered only in states where our professionals are properly licensed and appointed, and product availability varies by state and carrier.

IbyFin and its representatives are not registered as an investment adviser or broker-dealer, and do not offer securities, securities-based investment advice, or portfolio management services. Any discussion on this Site of markets, investment concepts, or historical returns is educational in nature only and is not a recommendation to buy, sell, or hold any security or investment.

IbyFin does not provide tax or legal advice. Any discussion of tax topics is general in nature; tax outcomes depend on your individual circumstances and current law, which may change. Consult your tax advisor or attorney regarding your specific situation.

3. Calculators and Tools

The calculators and tools available on this Site are provided as self-help educational resources. Their results:

• Are hypothetical estimates based solely on the inputs you provide and the general assumptions built into each tool;
• Are not projections, forecasts, or guarantees of future results, product performance, coverage amounts, or values;
• Do not account for all factors relevant to your situation, including taxes, fees, inflation variability, product-specific features, or changes in law;
• Should not be your sole basis for any financial, insurance, or investment decision.

We make no representation that any calculator is accurate, complete, or suitable for your circumstances. Always verify results with a qualified professional before acting.

4. No Guarantees; Insurance Product Disclosures

Past performance does not guarantee future results. Illustrations, examples, and hypothetical scenarios on this Site are for educational purposes only and are not a promise of performance.

Any guarantees associated with insurance or annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier, not by IbyFin. Product features, riders, benefits, and availability vary by carrier, product, and state, and are subject to the terms, conditions, limitations, and exclusions of the applicable policy or contract. Policy loans and withdrawals may reduce cash value and death benefits and may have tax consequences. Always review official carrier materials and policy documents before purchasing any product.

5. Testimonials and Results

Any testimonials, reviews, client counts, or success stories presented on this Site or our social media reflect individual experiences and are not a guarantee, warranty, or prediction of the results you may achieve. Your results will depend on your individual circumstances.

6. Third-Party Content, Links, and Trademarks

This Site may contain links to third-party websites, embedded third-party tools (such as scheduling software), and references to third-party companies, including insurance carriers. Such links and references are provided for convenience only and do not constitute an endorsement by IbyFin, nor an endorsement of IbyFin by any third party. We are not responsible for the content, accuracy, or practices of third-party sites.

All third-party names, logos, and trademarks — including those of insurance carriers displayed on this Site — are the property of their respective owners and are used to identify the carriers with which our professionals hold appointments.

7. Advertising Disclosure

This Site may display advertisements served by third-party advertising networks, and we may receive compensation in connection with such advertisements or from the sale of insurance products for which our professionals are licensed. Compensation arrangements do not influence the educational content we publish.

8. Accuracy and Currency of Information

We strive to keep the Site’s content accurate and up to date, but laws, regulations, tax rules, and product offerings change frequently. Content is current only as of its publication date and may not reflect subsequent developments. We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or timeliness of any content, and we may modify or remove content at any time without notice.

9. Limitation of Liability

To the fullest extent permitted by law, IbyFin and its owners, employees, and representatives shall not be liable for any loss or damage — including without limitation direct, indirect, incidental, or consequential damages — arising out of or in connection with your use of, or reliance on, this Site, its content, or its tools. Your use of the Site is at your own risk.

10. Changes to This Disclaimer

We may update this Disclaimer from time to time. The updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the updated Disclaimer.

11. Contact

Questions about this Disclaimer may be directed to:

IbyFin
5900 South Lake Forest, Suite 300
McKinney, TX 75070
Phone: +1 (972) 200-5657
Hours: Mon–Fri, 7:30 AM – 6:30 PM CST

This Disclaimer works together with our Privacy Policy.