Terms of Use

These Terms of Use (“Terms”) govern your use of the Altus Financial website operated by Altus Financial LLC. By accessing or using the site, you agree to these Terms.

Informational purpose only

All content on this site is provided for general informational and educational purposes only. It is not, and should not be relied upon as, legal, tax, accounting, or investment advice. Individual circumstances vary, and you should consult your own licensed attorney, CPA, tax advisor, and financial professional before acting on any information presented here.

No advisor-client relationship by browsing

Using this website, submitting a contact request, or reading any content does not by itself create an attorney-client, advisor-client, or agent-client relationship. A producer-client relationship is established only after the producer and you agree, in writing, to the scope of an engagement.

Who conducts insurance activity

Altus Financial LLC is a marketing and technology company. It is not a licensed insurance agency. All insurance transactions, including any solicitation, recommendation, or sale of an insurance product, are conducted solely by the individually licensed insurance producers identified on this site.

No guarantees

Nothing on this site constitutes a guarantee of any outcome, including but not limited to underwriting approval, coverage amount, premium rate, investment return, tax treatment, or policy performance. Product guarantees, where described, are backed solely by the claims-paying ability of the issuing insurance company, not by Altus Financial LLC.

Third-party content

Information drawn from third-party sources is used in good faith but is not warranted for accuracy, completeness, or timeliness. External links are provided for convenience; we do not endorse and are not responsible for the content of external sites.

Intellectual property

The site, its design, its text, and its other original content are the property of Altus Financial LLC and its licensors. You may view and print personal, non-commercial copies for your own reference; other uses require written permission.

Governing law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms shall be brought in the state or federal courts located in Massachusetts.

Changes

We may update these Terms. Material changes will be reflected in the “Last updated” date above. Your continued use of the site after a change indicates acceptance.