Please read these Terms and Conditions carefully before using carolinechu.org. By accessing or using this website, you agree to be bound by these terms. If you do not agree, please do not use this site.
1. Use of This Website
This website is provided for informational purposes only. The content is intended to help individuals learn about life insurance, annuities, and related financial products. Nothing on this site constitutes financial, legal, or tax advice. You should consult a qualified professional before making any insurance or financial decisions.
2. Informational Purposes Only
All information, quotes, and content on this site are provided "as is" and for general informational purposes only. Premium rates, product availability, and coverage terms are subject to change and vary by carrier, state, and individual underwriting. Final rates and terms are determined solely by the insurance carrier upon application and approval.
3. No Guarantee of Coverage
Submitting a form on this website does not constitute an application for insurance, a binding quote, or a guarantee of coverage. Insurance products are subject to carrier approval, underwriting, and applicable state regulations. Coverage is only effective upon issuance of a policy by a licensed insurance carrier.
4. Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Caroline Chu Insurance or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without express written permission.
5. Third-Party Links
This website may contain links to third-party websites, including Revolution Financial Management (RFM). These links are provided for convenience only. We do not control, endorse, or assume responsibility for the content or practices of any third-party sites. Visiting third-party links is at your own risk.
6. Limitation of Liability
To the fullest extent permitted by law, Caroline Chu Insurance, its affiliates, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content.
7. Disclaimer of Warranties
This website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.
8. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated herein by reference.
9. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Santa Clara County, California.
10. Changes to These Terms
We reserve the right to modify these Terms and Conditions at any time. The "Last updated" date at the top of this page indicates the most recent revision. Your continued use of the site following any changes constitutes your acceptance of the updated terms.
11. Contact
If you have questions about these Terms and Conditions, please contact us: