Terms & Conditions

This website is intended to provide educational information about insurance products, financial protection strategies, and services offered by True Path Trust.

You agree to use this website only for lawful purposes and in accordance with these Terms.

You agree not to:

• Submit false or misleading information
• Attempt to gain unauthorized access to the website or its systems
• Disrupt or interfere with website functionality
• Use automated software or bots to collect website content
• Upload malicious code or harmful software

The information provided on this website is for general educational purposes only.

Nothing contained on this website should be interpreted as:

• Legal advice
• Tax advice
• Investment advice
• Accounting advice
• Financial planning advice

Insurance recommendations should be discussed with a licensed insurance professional based on your individual circumstances.

Insurance products are offered through licensed insurance carriers.

Availability, pricing, benefits, riders, and underwriting requirements vary by:

• State
• Insurance carrier
• Applicant qualifications

Submitting a quote request does not guarantee:

• Approval
• Coverage
• Premium
• Policy issuance

Final approval is determined solely by the insurance company.

Quote requests submitted through this website are estimates only.

Final pricing may differ due to:

• Medical underwriting
• Lifestyle
• Tobacco use
• Prescription history
• Driving record
• Occupation
• State regulations

The Ask Noy AI assistant is provided solely as an educational resource.

The AI assistant:

• Does not replace a licensed insurance advisor
• Does not provide legal or financial advice
• Does not make underwriting decisions
• Does not issue insurance policies

Recommendations generated by the AI should always be reviewed with a licensed insurance professional.

Certain website features may require visitors to submit personal information.

Users agree to provide accurate and complete information.

True Path Trust reserves the right to refuse service or terminate access if fraudulent or misleading information is submitted.

Appointments requested through this website are subject to confirmation.

Submitting a scheduling request does not guarantee appointment availability.

True Path Trust reserves the right to reschedule appointments when necessary.

Articles, calculators, downloadable guides, quizzes, and videos are intended for educational purposes.

These resources should not be relied upon as the sole basis for financial or insurance decisions.

All content on this website, including but not limited to:

• Logos
• Branding
• Graphics
• Videos
• Images
• Text
• Articles
• Educational materials
• Downloads
• Source code
• Website design

is the property of True Path Trust or its licensors and is protected by applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, or republished without prior written permission.

This website may include links to third-party websites or integrate third-party services, including but not limited to:

• Insurance carriers
• Calendars
• Payment providers
• Google Maps
• Google Reviews
• Social media platforms

True Path Trust is not responsible for the content, policies, or practices of third-party websites.

To the fullest extent permitted by law, True Path Trust shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use of this website
• Inability to access the website
• Reliance on website content
• Technical interruptions
• Website errors
• Third-party services

This website is provided on an "as is" and "as available" basis.

True Path Trust makes no warranties regarding:

• Accuracy
• Completeness
• Reliability
• Availability
• Error-free operation

We reserve the right to modify or discontinue any part of the website without prior notice.

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and safeguard your personal information.

By submitting forms or contacting us electronically, you consent to receive communications from True Path Trust by:

• Email
• Telephone
• SMS/Text Message

Standard message and data rates may apply.

You may opt out of marketing communications at any time.

You agree to indemnify and hold harmless True Path Trust, its owners, employees, contractors, affiliates, and partners from any claims, damages, liabilities, costs, or expenses arising from:

• Your use of the website
• Violation of these Terms
• Misuse of website content
• Fraudulent submissions

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to its conflict of law principles.

Any disputes arising from these Terms shall be resolved in the appropriate state or federal courts located in Florida.

True Path Trust reserves the right to update or modify these Terms & Conditions at any time.

Changes become effective immediately upon posting to this website.

Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

If you have any questions regarding these Terms & Conditions, please contact us:

True Path Trust

Ainoy "Noy" Maisonet
Licensed Independent Insurance Professional