Terms of Use
Effective Date: October 22, 2026
Last Updated: October 22, 2026
1. Introduction and Acceptance of Terms
Welcome to T-Bridge Finance LLC (“T-Bridge Finance,” “we,” “our,” or “us”).
These Terms of Use govern your access to and use of our website, https://t-bridgefinancellc.com/, including its pages, articles, educational materials, contact forms, and other information or features made available through the website.
T-Bridge Finance LLC is a Maryland-based financial services and insurance planning firm that provides guidance to individuals and families concerning insurance protection, retirement planning, education funding, estate planning, trust planning, and wealth preservation.
By accessing or using our website, you acknowledge that you have read and understood these Terms of Use. If you do not agree with these terms, please discontinue use of the website.
These Terms of Use apply to your use of the website. Any insurance product, financial service, or other professional service you obtain through T-Bridge Finance or a third-party provider may be subject to additional agreements, disclosures, applications, policy documents, and terms.
2. Purpose of the Website
Our website is intended to introduce visitors to T-Bridge Finance LLC, explain our areas of service, provide general financial and insurance education, and enable individuals and families to contact us regarding their planning needs.
The website may contain information relating to:
Life and health insurance.
Mortgage protection and final expense coverage.
Disability, critical illness, and long-term care planning.
College funding and education planning.
Retirement planning, annuities, and 401(k) rollovers.
Indexed universal life insurance and other insurance-based strategies.
Estate planning, trust planning, and beneficiary coordination.
Wealth preservation and generational legacy planning.
The availability of information on our website does not mean that every product or service is available to every person, in every state, or under every circumstance. Availability depends on applicable laws, licensing requirements, provider offerings, eligibility criteria, and other relevant conditions.
3. No Professional Relationship Created by Website Use
Visiting our website, reading our content, submitting a contact form, sending an email, or speaking with us through an initial enquiry does not, by itself, create a binding client relationship, insurance contract, fiduciary relationship, or other formal professional engagement.
A professional relationship may arise only when the applicable requirements have been satisfied and the relevant agreement, authorization, application, or other documentation has been completed where required.
Submitting an enquiry does not guarantee that we will accept you as a client, recommend a particular product, obtain coverage for you, or provide a specific service.
4. General Information Is Not Individualized Advice
Information published on this website is provided for general educational and informational purposes.
Although we aim to present information clearly and responsibly, website content is not a substitute for an individualized assessment of your financial circumstances, insurance needs, legal position, tax situation, or investment objectives.
The appropriateness of any financial or insurance strategy depends on factors such as your income, expenses, assets, liabilities, family responsibilities, health circumstances, risk tolerance, time horizon, and applicable laws.
You should not make a financial, insurance, investment, tax, or legal decision solely on the basis of information published on this website.
Where appropriate, consult a qualified and appropriately licensed financial professional, insurance professional, attorney, tax adviser, or other specialist before making a decision.
5. Insurance Products and Financial Strategies
T-Bridge Finance may provide guidance concerning insurance products and financial planning strategies offered by relevant insurance carriers or other providers.
The terms, benefits, costs, limitations, exclusions, eligibility requirements, and risks of any product are determined by the applicable product documentation, provider, and governing law.
In particular:
Insurance coverage is subject to the terms of the issued policy, including applicable exclusions, limitations, waiting periods, and premium requirements.
Applications are subject to the relevant provider’s underwriting and approval procedures.
Cash values, interest credits, dividends, index-linked credits, and other policy features, where applicable, are governed by the specific contract and may not be guaranteed.
Annuities and retirement products may involve fees, surrender charges, restrictions, tax consequences, and other conditions.
Retirement account rollovers may affect fees, investment choices, tax treatment, and benefits associated with an existing plan.
College funding, estate planning, trust planning, and wealth preservation strategies depend on individual circumstances and applicable laws.
Descriptions of products or strategies on the website are not promises that a particular outcome will be achieved.
You should review the relevant documents and ask questions about material costs, risks, restrictions, and alternatives before proceeding.
6. No Guarantee of Financial Results
T-Bridge Finance LLC does not guarantee that using our website, following information presented on it, or implementing a financial or insurance strategy will produce a particular financial outcome.
References to financial security, wealth building, wealth preservation, retirement readiness, tax advantages, or generational wealth describe planning objectives and potential benefits. They are not guarantees of results.
Actual outcomes may vary because of personal circumstances, market conditions, product terms, fees, tax rules, changes in law, and other factors beyond our control.
Past performance, historical illustrations, examples, projections, and hypothetical scenarios should not be treated as reliable guarantees of future results.
You remain responsible for evaluating your circumstances and making informed decisions.
7. Eligibility and Lawful Use
You may use our website only for lawful purposes and in accordance with these Terms of Use.
By using the website, you represent that you have the legal capacity required to comply with these terms.
You agree not to:
Use the website for fraudulent, unlawful, misleading, or unauthorized purposes.
Submit false, inaccurate, deceptive, or misleading information.
Attempt to gain unauthorized access to our website, servers, systems, or data.
Interfere with the website’s operation, security, or availability.
Introduce malware, viruses, malicious code, or other harmful technologies.
Use automated tools to scrape, harvest, or collect website content or personal information without authorization.
Copy, reproduce, distribute, or commercially exploit our content without permission, except where permitted by law.
Impersonate T-Bridge Finance LLC, its representatives, or another person.
Use the website in a way that infringes the rights of another person or violates applicable law.
We reserve the right to take reasonable and lawful measures to address misuse of the website.
8. Contact Forms and User-Submitted Information
Our website may allow you to submit enquiries through contact forms or other communication channels.
When submitting information, you agree to provide information that is accurate to the best of your knowledge and to avoid including information that is unnecessary for your enquiry.
You should not submit Social Security numbers, account passwords, payment card details, detailed medical records, or other highly sensitive information through a general contact form or unsecured email.
We may use the information you provide to respond to your enquiry, arrange consultations, discuss requested services, and take other steps reasonably related to your request, subject to our Privacy Policy and applicable law.
Submitting a form does not constitute an insurance application, establish insurance coverage, or guarantee a response within a particular timeframe.
You should not assume that coverage is active until the relevant insurer has confirmed that coverage is in force in accordance with the applicable policy terms.
Our collection, use, storage, and disclosure of personal information are described in our Privacy Policy.
9. Intellectual Property Rights
Unless otherwise indicated, the website and its original content, including text, graphics, illustrations, logos, designs, page layouts, and other materials, are owned by T-Bridge Finance LLC or used with permission from the relevant rights holders.
These materials are protected by applicable intellectual property laws.
You may access, view, and print reasonable portions of the website for personal, non-commercial, informational purposes, provided you do not remove applicable copyright notices or other proprietary markings.
Unless permitted by law or authorized in writing, you may not:
Reproduce or republish substantial portions of our website.
Modify, distribute, or commercially exploit our content.
Use our name, logo, or branding in a way that suggests unauthorized affiliation or endorsement.
Copy our website design or materials for use on another website or commercial platform.
Nothing in these Terms of Use transfers ownership of our intellectual property to you.
Third-party names, logos, trademarks, and materials appearing on the website remain the property of their respective owners.
10. Third-Party Websites and Providers
Our website may contain links to external websites, insurance carriers, financial service providers, professional organizations, social media platforms, or other third-party resources.
These links are provided for convenience or informational purposes.
T-Bridge Finance LLC does not control all third-party websites or their content, availability, security practices, privacy policies, products, or services.
A link to a third-party website does not automatically constitute an endorsement, guarantee, or representation that the third party is suitable for your needs.
Any transaction, application, or agreement you enter into with a third party is subject to that party’s applicable terms, policies, and contractual documents.
You should independently review third-party information before relying on it or providing personal information.
11. Website Availability and Accuracy
We make reasonable efforts to maintain the website and provide useful, understandable information.
However, we do not guarantee that:
The website will always be available or operate without interruption.
All website content will be complete, accurate, current, or free from errors.
Every technical issue will be corrected immediately.
The website will be compatible with every device, browser, or software configuration.
The website or its servers will always be free from harmful components.
Website information may change as products, services, laws, regulations, and business practices evolve.
We reserve the right to update, modify, suspend, or discontinue any portion of the website, subject to applicable law.
12. Privacy and Data Protection
Your use of the website is also subject to our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal information.
You can review the Privacy Policy through the relevant link on our website.
Where these Terms of Use and the Privacy Policy address different subjects, each document applies to its respective subject. Nothing in these Terms of Use overrides privacy rights or obligations that apply under law.
Where a separate client agreement, insurance privacy notice, authorization, or legally required disclosure applies to a particular service, that document will govern the matters it specifically addresses, subject to applicable law.
13. Disclaimers of Warranties
To the fullest extent permitted by applicable law, the website and its general informational content are provided on an “as is” and “as available” basis.
T-Bridge Finance LLC makes no general warranty that the website will meet every user’s requirements or that all content will be uninterrupted, error-free, complete, or suitable for a particular purpose.
To the extent permitted by law, we disclaim warranties that may otherwise be implied in relation to the website, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Nothing in this section excludes or limits a warranty, right, or protection that cannot lawfully be excluded or limited.
These website disclaimers do not replace or override express obligations contained in an applicable insurance policy, signed client agreement, or other binding contract.
14. Limitation of Liability
To the fullest extent permitted by applicable law, T-Bridge Finance LLC will not be liable for indirect, incidental, special, consequential, or punitive damages arising out of or relating to your access to or use of the website, including loss of data, loss of opportunity, or business interruption, where such exclusion is legally permitted.
To the extent permitted by law, we are not responsible for losses arising from your reliance on general website information without obtaining advice appropriate to your circumstances, or from the acts, omissions, products, or services of independent third parties.
Nothing in these Terms of Use excludes or limits liability for fraud, intentional misconduct, gross negligence where exclusion is prohibited, or any other liability that applicable law does not permit us to exclude or limit.
Any limitation of liability in this section applies only to the extent legally enforceable and does not override mandatory consumer protections or obligations arising under separate binding agreements.
15. Indemnification
To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, and reasonable expenses arising directly from your unlawful use of the website, your material violation of these Terms of Use, or your infringement of another person’s rights.
This provision does not require you to indemnify T-Bridge Finance LLC for losses caused by our own conduct where such an obligation would be prohibited by law.
16. Suspension or Restriction of Access
We may suspend, restrict, or discontinue your access to all or part of the website where reasonably necessary to protect website security, address misuse, comply with legal obligations, or maintain our services.
Where appropriate and legally required, we will provide notice or an opportunity to resolve the issue.
Suspension or restriction of website access does not automatically terminate any separate insurance policy, client agreement, or other contract. Those arrangements remain subject to their own terms and applicable law.
17. Changes to These Terms
We may revise these Terms of Use from time to time to reflect changes in our website, services, business operations, or legal obligations.
When we make changes, we will update the “Last Updated” date at the beginning of this page.
Unless otherwise stated, revised terms will apply from the date they are published, subject to applicable law and any notice or consent requirements.
Your continued use of the website after revised terms become effective constitutes acceptance of those revisions only to the extent such acceptance is recognized under applicable law.
We encourage you to review this page periodically.
18. Governing Law and Jurisdiction
These Terms of Use are intended to be interpreted in accordance with the applicable laws of the State of Maryland and applicable federal laws of the United States, without regard to conflict-of-law principles, except where mandatory law requires otherwise.
Any dispute relating to these Terms of Use or the website will be handled by a court or other forum with appropriate jurisdiction, subject to applicable law and any valid agreement governing the dispute.
Nothing in this section deprives a user of mandatory legal protections or access to a forum that applicable law entitles that user to use.
19. Severability and Waiver
If any provision of these Terms of Use is determined to be invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.
Any invalid or unenforceable provision will be interpreted or limited only to the extent necessary to give effect to its lawful purpose where permitted.
Our failure to enforce a provision at any particular time does not constitute a waiver of our right to enforce it later.
20. Entire Agreement
These Terms of Use govern your access to and use of the website, together with any policies or documents expressly incorporated into them.
They do not replace separate agreements, insurance contracts, product disclosures, or other legally binding documents that govern services you obtain from T-Bridge Finance LLC or third-party providers.
If a provision in a separate binding agreement conflicts with these Terms of Use regarding the specific service governed by that agreement, the applicable agreement will control to the extent provided by its terms and permitted by law.
21. Contact Information
If you have questions about these Terms of Use or the use of our website, please contact us:
T-Bridge Finance LLC
Office Address:
16701 Melford Boulevard
Bowie, Maryland 20715
United States
Telephone: +1 (217) 572-3330
Email: info@t-bridgefinancellc.com
Website: https://t-bridgefinancellc.com/
Please include “Terms of Use Enquiry” in the subject line of your email.
These Terms of Use are intended to describe the general conditions governing use of the T-Bridge Finance LLC website. They should be reviewed by qualified legal counsel before publication to confirm that they accurately reflect the company’s services, applicable licensing requirements, contractual arrangements, and legal obligations.
