Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the Pivotal Financial website. By accessing or using this website, you agree to these Terms. If you do not agree, please do not use the site.
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1. About Pivotal Financial

Pivotal Financial (“Pivotal Financial,” “PFIS,” “we,” “us,” or “our”) is an insurance and financial services firm located at 730 Cool Springs Blvd, #140, Franklin, TN 37067. The information on this website is intended for individuals located in jurisdictions where we are properly licensed and authorized to conduct business.

2. Informational Purposes Only

The content on this website is provided for general informational and educational purposes only. Nothing on this site is intended to be, and should not be construed as, individualized:

• Financial, investment, or securities advice,
• Insurance advice for your specific situation,
• Tax, accounting, or legal advice.

You should consult with your own financial professional, insurance professional, tax advisor, and/or attorney regarding your personal circumstances before making any decisions.

3. No Guarantee of Results

Past performance, illustrations, or examples are not a guarantee of future results. Any references to potential outcomes, benefits, or advantages depend on many factors, including your individual situation, product terms, and market conditions.

4. Your Use of the Website

By using this website, you agree that you will not:

• Use the site for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to gain unauthorized access to any portion of the site, other accounts, or systems.
• Introduce any viruses, malware, or harmful code.
• Use the site in any way that could damage, disable, overburden, or impair our servers or networks.

5. Intellectual Property

All content on this website—including text, graphics, logos, images, and layout—is owned by or licensed to Pivotal Financial and is protected by applicable intellectual property laws. You may view, download, or print content for your personal, non-commercial use only. Any other use, including modification, republication, or distribution, requires our prior written consent.

6. Third-Party Links

This website may contain links to third-party websites or resources. These links are provided for convenience only and do not imply endorsement of the content or services offered on those sites. We are not responsible for the content, accuracy, or security of third-party websites.

7. No Warranties

The website and its content are provided “as is” and “as available,” without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Pivotal Financial and its owners, officers, employees, and representatives shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or relating to your use of, or inability to use, this website, even if we have been advised of the possibility of such damages.

9. Indemnification

You agree to indemnify and hold harmless Pivotal Financial and its owners, officers, employees, and representatives from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the website or your violation of these Terms.

10. Governing Law and Jurisdiction

These Terms and your use of this website are governed by the laws of the State of Tennessee and applicable federal laws, without regard to conflict-of-law principles. Any disputes arising out of or relating to these Terms or the website shall be brought exclusively in the state or federal courts located in or serving Williamson County, Tennessee.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms.

12. Contact Information