Terms and Conditions

Effective Date: July 27, 2026

1. Agreement to Terms

By accessing or using our website ([https://insureknowledgewithgiangnguyen.com](https://insureknowledgewithgiangnguyen.com)) and related financial coaching or insurance services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Use of Our Service

You agree to use the Service only for lawful purposes. You must not:

Violate any applicable laws or regulations.
Infringe upon or violate our intellectual property rights or the rights of others.
Upload or transmit viruses or any type of malicious code.
Collect or track the personal information of others without consent.

We reserve the right to terminate your use of the Service for violating any of the prohibited uses.

3. Intellectual Property

All content, features, and functionality on the Service, including but not limited to text, graphics, logos, and images, are the exclusive property of Giang Nguyen unless otherwise stated. You may not copy, reproduce, or distribute any part of the Service without prior written permission.

4. SMS Communications & Mobile Messaging Program

By providing your mobile phone number and opting in via our website forms, you consent to receive text messages (SMS) from Giang Nguyen regarding financial education updates, workbook resources, appointment confirmations, and service reminders.

Message Frequency: Message frequency varies based on your interactions.
Cost: Message and data rates may apply.
Opt-Out Instructions: You can reply STOP at any time to opt out of receiving text messages.
Assistance: You can reply HELP for assistance.
Privacy & Data Sharing: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories exclude text messaging originator opt-in data and consent; this information will never be shared with any third parties under any circumstances.

5. Third-Party Links

Our Service may contain links to third-party websites or services that are not owned or controlled by Giang Nguyen. We are not responsible for the content, privacy policies, or practices of any third-party sites or services.

6. Limitation of Liability

To the fullest extent permitted by law, Giang Nguyen and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of the Service.

7. Indemnification

You agree to indemnify and hold harmless Giang Nguyen and its affiliates from any claims, damages, liabilities, costs, or expenses (including attorney's fees) arising from your violation of these Terms or your use of the Service.

8. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide notice on our website. By continuing to use the Service after any revisions become effective, you agree to be bound by the revised Terms.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

10. Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

11. Age Restriction

You must be at least 18 years of age or older to use our services and participate in our messaging program.

12. Disclaimer of Warranties

The Service and all content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. Giang Nguyen disclaims all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

13. Arbitration and Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through final and binding arbitration, rather than in court. The arbitration will be conducted under the rules of the American Arbitration Association (AAA) in California. You and Giang Nguyen waive any rights to participate in a class action lawsuit or class-wide arbitration.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Giang Nguyen regarding the Service and supersede all prior agreements and understandings, whether written or oral.