Terms of Service

Effective Date: 29 Sep 2024
Last Updated: 2 May 2026

These Terms of Service (“Terms”) govern your access to and use of reformedfinance.net and any content, materials, resources, forms, downloads, communications, or services made available through the website.

By accessing or using this website, you agree to these Terms. If you do not agree, do not use this website.

1. About Reformed Finance

Reformed Finance provides financial education, strategy discussions, and insurance-related services, including education concerning the Infinite Banking Concept® and the use of properly structured dividend-paying whole life insurance.

Reformed Finance is not a bank. Reformed Finance does not provide banking services. Reformed Finance does not provide securities, investment advisory, legal, tax, or accounting services.

2. Educational Content Only

The content on this website is provided for general educational and informational purposes only.

Nothing on this website should be interpreted as:

Legal advice
Tax advice
Accounting advice
Investment advice
Securities advice
A recommendation to buy or sell securities
A guarantee of financial results
A promise that any strategy is suitable for your circumstances
A binding insurance offer
A substitute for individualized professional advice

You should consult qualified legal, tax, accounting, investment, and insurance professionals before making financial decisions.

3. No Client Relationship Created by Website Use

Using this website, reading content, downloading materials, watching videos, subscribing to emails, or submitting a contact form does not create a client relationship with Reformed Finance.

A client relationship is formed only when Reformed Finance expressly agrees to provide services to you and any required onboarding, licensing, compliance, suitability, application, or other process has been completed.

4. Insurance and Licensing Limitations

Insurance products and services are available only in jurisdictions where Reformed Finance, its representatives, or applicable insurance partners are properly licensed or authorized.

Any insurance policy, rider, illustration, quote, or proposal is subject to carrier rules, underwriting, state availability, policy terms, and applicable law.

Submitting information does not guarantee that you will qualify for insurance coverage or that a particular strategy, policy, or design will be available or appropriate.

5. No Guarantee of Results

Financial strategies involve assumptions, tradeoffs, opportunity costs, discipline, behavior, and changing circumstances.

Reformed Finance does not guarantee:

Financial results
Policy dividends
Future interest rates
Tax outcomes
Underwriting approval
Carrier performance
Availability of products
Specific liquidity, cash value, or death benefit outcomes
That any strategy will meet your objectives

Any examples, illustrations, case studies, or hypothetical scenarios are for educational purposes only and may not reflect your actual results.

6. Policy Illustrations and Insurance Materials

Any insurance illustration, quote, policy design, or projection is subject to the assumptions, limitations, terms, conditions, and disclosures provided by the issuing insurance carrier.

Policy loans, withdrawals, dividends, premiums, riders, and cash values are governed by the terms of the applicable policy and carrier.

You are responsible for reviewing all carrier documents, illustrations, applications, policy contracts, and disclosures before making decisions.

7. User Responsibilities

You agree to use this website only for lawful purposes and in accordance with these Terms.

You agree not to:

Violate any applicable law or regulation
Submit false, misleading, or incomplete information
Interfere with website security or functionality
Attempt to gain unauthorized access to any system, account, or data
Use the website to transmit malware, spam, or harmful code
Scrape, copy, reproduce, or commercially exploit website content without permission
Impersonate another person or misrepresent your affiliation
Use the website in a way that could damage Reformed Finance or others

8. Intellectual Property

All content on this website, including text, graphics, logos, images, videos, downloads, articles, design, layout, and other materials, is owned by Reformed Finance or used with permission, unless otherwise stated.

You may view, download, and print materials for your personal, non-commercial use only.

You may not reproduce, distribute, modify, publish, display, sell, license, create derivative works from, or commercially exploit any website content without prior written permission from Reformed Finance.

9. Trademarks and Third-Party Marks

“Reformed Finance” and related names, logos, slogans, and materials are the property of Reformed Finance.

The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC.

Becoming Your Own Banker® is a registered trademark of Infinite Banking Concepts, LLC.

Reformed Finance is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC, the Nelson Nash Institute, or any other third-party organization unless expressly stated.

All third-party names, trademarks, and logos remain the property of their respective owners.

10. User Submissions and Communications

If you submit comments, questions, feedback, testimonials, ideas, or other materials to us, you represent that you have the right to submit them and that they do not violate the rights of any third party.

Unless otherwise agreed in writing, you grant Reformed Finance permission to use feedback, suggestions, or non-confidential comments to improve our website, content, and services.

We will handle personal information in accordance with our Privacy Policy.

11. Testimonials and Case Studies

Testimonials, examples, stories, and case studies reflect individual experiences and are not guarantees of future performance or results.

Financial and insurance outcomes depend on individual facts, product design, underwriting, premium funding, policy behavior, tax rules, carrier performance, and other factors.

12. Third-Party Links and Resources

This website may link to third-party websites, books, videos, podcasts, tools, scheduling platforms, insurance carriers, payment processors, or other resources.

These links are provided for convenience or education. Reformed Finance does not control and is not responsible for third-party content, policies, practices, security, accuracy, or availability.

A link does not necessarily mean Reformed Finance endorses the third party, its content, or its services.

13. Website Availability and Changes

We may modify, suspend, discontinue, or restrict access to the website or any part of it at any time without notice.

We may update content, remove content, change features, correct errors, or revise these Terms at any time.

We are not liable for any interruption, error, omission, delay, loss, or unavailability of the website.

14. Errors and Inaccuracies

We attempt to provide accurate information, but website content may contain errors, omissions, outdated information, or typographical mistakes.

We reserve the right to correct errors or update content at any time without notice.

You should not rely solely on website content when making financial, legal, tax, insurance, or business decisions.

15. Disclaimer of Warranties

This website and all content are provided “as is” and “as available,” without warranties of any kind, express or implied.

To the fullest extent permitted by law, Reformed Finance disclaims all warranties, including:

Implied warranties of merchantability
Fitness for a particular purpose
Non-infringement
Accuracy
Completeness
Availability
Security
Error-free operation

Your use of the website is at your own risk.

16. Limitation of Liability

To the fullest extent permitted by law, Reformed Finance and its owners, officers, employees, contractors, agents, affiliates, and service providers will not be liable for any indirect, incidental, consequential, special, punitive, exemplary, or similar damages arising out of or related to your use of the website or reliance on website content.

This includes damages for lost profits, lost revenue, lost data, business interruption, financial loss, or other intangible losses.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless Reformed Finance and its owners, officers, employees, contractors, agents, affiliates, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or fees, including reasonable attorneys’ fees, arising out of or relating to:

Your use of the website
Your violation of these Terms
Your violation of any law or regulation
Your submission of false, misleading, or unauthorized information
Your violation of any third-party rights

18. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

19. Electronic Communications

By contacting us through the website, email, scheduling tools, or other electronic means, you consent to receive communications electronically.

You agree that electronic communications satisfy any legal requirement that communications be in writing, to the extent permitted by law.

20. Dispute Resolution

Before filing any lawsuit or formal claim, you agree to first contact Reformed Finance in writing and attempt to resolve the dispute informally.

Your written notice should describe the nature of the dispute, relevant facts, requested relief, and your contact information.

Reformed Finance will have 30 days to respond after receiving your written notice.

This informal dispute-resolution process is a condition precedent to filing a claim, unless prohibited by law.

21. Governing Law and Venue

These Terms are governed by the laws of the State of New Mexico, without regard to conflict-of-law principles.

To the extent permitted by law, any dispute arising out of or relating to these Terms, the website, or website content will be brought in the state or federal courts located in New Mexico.

You consent to the personal jurisdiction and venue of those courts.

22. Severability

If any provision of these Terms is found invalid, unlawful, or unenforceable, the remaining provisions will remain in full force and effect.

23. Waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.

24. Termination

We may suspend or terminate your access to the website at any time, with or without notice, if we believe you have violated these Terms or applicable law, or if we determine that termination is appropriate for business, security, legal, or operational reasons.

25. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last Updated” date.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.