Terms of Service

1. Agreement to Terms

By accessing or using the website located at crossfield.partners and any related pages or digital properties operated by Crossfield Strategic Partners (‘Company,’ ‘we,’ ‘us,’ or ‘our’), you (‘User,’ ‘you,’ or ‘your’) agree to be bound by these Terms of Service (‘Terms’). If you do not agree to these Terms, please discontinue use of this website immediately.

These Terms constitute a legally binding agreement between you and Crossfield Strategic Partners. We reserve the right to update these Terms at any time. Your continued use of the website following notice of any changes constitutes your acceptance of the revised Terms.

2. Informational Purpose Only — No Financial, Legal, or Tax Advice

The content published on this website is provided for general informational and educational purposes only. Nothing on this website constitutes, and should not be construed as:

• Financial advice or financial planning services
• Investment advice or a recommendation to purchase or sell any security, commodity, or investment product
• Legal advice or the establishment of an attorney-client relationship
• Tax advice — consult a qualified tax professional regarding your individual circumstances
• Insurance advice specific to your personal situation
• An offer to sell or a solicitation to buy any insurance product in any jurisdiction where we are not licensed to do so

Crossfield Strategic Partners is a licensed insurance marketing organization. Our producers hold life insurance producer licenses in the states in which they are authorized to conduct business. We are not registered investment advisers, broker-dealers, or securities firms, and we do not provide securities, investment management, or registered investment advisory services.

All life insurance policy illustrations, projections, and hypothetical examples provided on this website or in associated materials are non-guaranteed. Illustrated values are based on current assumptions that are subject to change and are not a promise or guarantee of future results. Actual policy performance will vary.

For advice specific to your individual financial, tax, legal, or insurance needs, please consult a qualified professional licensed in your state.

3. Licensing Disclosures

Crossfield Strategic Partners and its associated producers are licensed to solicit, sell, and service life insurance products in states where they hold active producer licenses. Licensing is maintained in good standing with the applicable state department of insurance in each jurisdiction where we conduct business. The availability of specific products and strategies described on this website may vary by state.

Nothing on this website constitutes a solicitation or offer to sell insurance in any state or jurisdiction where Crossfield Strategic Partners or the relevant producer is not currently licensed. By submitting a contact or interest form on this website, you are not entering into any insurance contract or obligating yourself to any purchase.

4. Non-Guaranteed Projections Disclaimer

Any illustrations, ledgers, projections, case studies, or hypothetical examples of policy performance or cash value accumulation presented on this website or in associated downloadable materials:

• Are based on current non-guaranteed assumptions that are subject to change
• Are not a prediction, promise, or guarantee of future results
• Do not reflect actual policy performance for any specific client
• Are for illustrative purposes only and must be accompanied by a formal carrier-issued policy illustration before any purchase decision is made

The death benefit of a life insurance policy may be guaranteed subject to the terms and conditions of the specific policy contract. Premium payment requirements, policy lapse, and outstanding loans may affect the guaranteed death benefit. Consult the policy contract and a licensed agent for complete details.

5. No Securities Advice

Crossfield Strategic Partners is not a registered investment adviser or broker-dealer under the Investment Advisers Act of 1940, the Securities Exchange Act of 1934, or applicable state securities laws. Nothing on this website constitutes a recommendation, solicitation, or offer to buy or sell any security.

Life insurance and annuity products described on this website are insurance products regulated by state departments of insurance. They are not FDIC insured, are not bank deposits or obligations, and are not guaranteed by any bank or government agency. The value of certain non-guaranteed policy elements may decrease.

If any strategy discussed in connection with our services involves the potential liquidation of securities or other investment assets, we strongly recommend consulting your registered investment adviser or broker-dealer before taking any action.

6. Premium Finance Disclosure

Certain life insurance strategies described on this website may involve premium financing, in which a third-party lender provides a loan to fund life insurance premiums. Premium financing involves significant financial risk and complexity, including:

• Loan obligations that must be repaid regardless of policy performance
• Interest rate risk — borrowing costs may increase over time and may exceed illustrated projections
• Collateral requirements — lenders typically require substantial liquid or pledgeable collateral
• Policy lapse risk — if the policy underperforms illustrated values, additional out-of-pocket contributions or full loan repayment may be required
• Suitability constraints — premium finance strategies are suitable only for clients who meet specific net worth, income, health, and financial sophistication thresholds

Nothing on this website constitutes a solicitation to enter into a premium finance arrangement. All premium finance strategies require a full needs analysis, individual suitability review, and formal documentation prior to implementation.

7. Testimonials and Case Studies

Any client testimonials, success stories, or case studies presented on this website reflect the individual experiences of specific clients and are not a guarantee or representation of results that any other client will achieve. Individual results vary based on health classification, policy structure, premium commitment, carrier performance, and other factors.

Testimonials and endorsements presented on this website have been provided voluntarily. Where a material connection exists between an endorser and Crossfield Strategic Partners — including any compensation or relationship — such connection is disclosed in accordance with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255) and applicable state insurance advertising regulations.

8. Intellectual Property

All content on this website — including text, graphics, logos, images, audio, video, and software — is the property of Crossfield Strategic Partners or its content suppliers and is protected by applicable United States and international intellectual property laws. You may not reproduce, distribute, modify, transmit, or create derivative works from any content on this website without our prior written consent.

9. User Conduct

By using this website, you agree not to:

• Use the website for any unlawful purpose or in violation of any applicable federal, state, or local laws or regulations
• Submit false, misleading, or fraudulent information through any form or inquiry on this website
• Attempt to gain unauthorized access to any portion of this website or related systems
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use automated tools to scrape, crawl, or harvest content from this website without our express written consent

10. Third-Party Links

This website may contain links to third-party websites, including insurance carrier websites, educational resources, and partner organizations. These links are provided for convenience only. Crossfield Strategic Partners does not endorse, control, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Accessing third-party links is at your own risk.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CROSSFIELD STRATEGIC PARTNERS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ANY CONTENT THEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL CROSSFIELD STRATEGIC PARTNERS’ TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THIS WEBSITE EXCEED ONE HUNDRED DOLLARS ($100.00).

12. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT ARE PROVIDED ON AN ‘AS IS’ AND ‘AS AVAILABLE’ BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

13. Indemnification

You agree to indemnify, defend, and hold harmless Crossfield Strategic Partners and its officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, or expenses (including reasonable attorneys’ fees) arising from your violation of these Terms or your use of this website.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of this website that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association (‘AAA’) under its Commercial Arbitration Rules, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm. The arbitration shall take place in Bergen County, New Jersey. The decision of the arbitrator shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

BY USING THIS WEBSITE, YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST CROSSFIELD STRATEGIC PARTNERS.

15. Contact Information

Questions about these Terms of Service should be directed to:

Crossfield Strategic Partners
401 Hackensack Ave Suite 804
Hackensack, NJ 07601
Email: tomer@crossfield.partners
Phone: (877) 502-7677