Welcome to Real Change Financial (“Company,” “we,” “our,” or “us”). This website (www.realchangefinancial.com) is owned and operated by Real Change Financial, a brand of InBiz Group, Inc.

By accessing or using this website and any related services (collectively, the “Services”), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Services.

1. Eligibility

By using this website, you represent and warrant that:

You are a legal resident of the United States

You are at least the age of majority in your jurisdiction

You have the authority to use the device accessing the Services

You will use the Services in compliance with all applicable laws

2. Nature of Services

Real Change Financial provides educational resources, programs, and services related to financial strategies, including life insurance-based solutions.

We operate as a broker of insurance products offered by third-party insurance carriers. Availability of products and services may vary by location.

3. No Financial, Legal, or Tax Advice

All information provided on this website is for general informational purposes only and should not be considered financial, legal, tax, or investment advice.

You should consult with qualified professionals before making any financial decisions. Your use of the information on this site is at your own risk.

4. No Offer or Solicitation

Nothing on this website constitutes an offer to sell or a solicitation to buy any insurance product or financial instrument.

All insurance products are subject to the terms, conditions, and approval of the issuing insurance company.

5. Account Responsibility

If you create an account:

You are responsible for maintaining the confidentiality of your login credentials

You are responsible for all activity under your account

You agree to notify us immediately of any unauthorized use

We reserve the right to suspend or terminate accounts at our discretion.

6. SMS & Communications Consent

By providing your phone number through our forms or Services, you consent to receive SMS messages and communications from Real Change Financial.

Message frequency may vary

Message and data rates may apply

You may reply STOP to unsubscribe at any time

You may reply HELP for assistance

We will not share or sell your contact information without your consent, except as described in our Privacy Policy.

7. Acceptable Use

You agree not to:

Use the Services for any unlawful purpose

Submit false or misleading information

Attempt to gain unauthorized access to systems or data

Distribute spam, malicious code, or harmful content

Impersonate any individual or entity

We reserve the right to restrict or terminate access for violations.

8. User Submissions

Any content you submit (e.g., forms, feedback, messages):

Is your responsibility

Must not violate any laws or third-party rights

May be used by us to provide services

We are not responsible for user-generated content.

9. Intellectual Property

All content on this website, including text, graphics, logos, and materials, is the property of Real Change Financial or its licensors and is protected by applicable laws.

You may not copy, reproduce, distribute, or exploit any content without written permission.

10. Third-Party Links

This website may contain links to third-party websites.

We are not responsible for:

Their content

Their policies

Their practices

Use them at your own risk.

11. Disclaimer of Warranties

All Services are provided “as is” and “as available.”

We make no warranties, express or implied, regarding:

Accuracy

Reliability

Availability

Fitness for a particular purpose

12. Limitation of Liability

To the fullest extent permitted by law, Real Change Financial and its affiliates shall not be liable for any:

Direct or indirect damages

Loss of data or profits

Business interruption

System failures

Your use of the Services is at your own risk.

13. Insurance Disclaimer

Any insurance product or policy is issued by a third-party carrier.

Real Change Financial is not responsible for:

Policy performance

Claims

Obligations of the insurance provider

14. Governing Law

These Terms shall be governed by the laws of the State of Florida, United States, without regard to conflict of law principles.

15. Changes to These Terms

We reserve the right to update these Terms at any time.

Your continued use of the Services after changes are posted constitutes your acceptance of those changes.

16. Contact Information

If you have any questions about these Terms, please contact us at:

Real Change Financial
[Insert Business Email]
[Insert Business Address]