NORTHMARK / WEBSITE POLICIES

Terms of Use

Updated October 10, 2026

Educational purpose

Northmark provides general financial education. Content and interactive tools do not provide financial, legal, tax, insurance, or investment advice. Using this site does not establish a professional-client relationship.

Assessment limitations

Results rely on limited, self-reported information. The X Curve is a conceptual illustration, not a forecast or calculation of insurance needs. Results do not establish coverage adequacy, financial suitability, or future performance.

Individualized decisions

Recommendations require an individualized consultation. Insurance activity requires appropriate licensing in the visitor’s state. Other questions may require qualified tax, legal, or investment professionals. Product terms, fees, risks, and eligibility vary.

Requests and external links

A strategy-session request is not a confirmed booking. External resources are offered for learning and are governed by their own terms. The site does not guarantee their availability.

Acceptable use

Do not submit false requests, attempt unauthorized access, or enter sensitive identity, medical, tax, or account information in contact forms. Educational materials may be used for personal learning; other reuse requires permission.

Launch review

These terms are an MVP draft and require review before the public launch.