Legal

Terms and Conditions

The terms that govern use of this website.

Compliance notice: All legal, privacy, and disclosure content on this site is provided as a working draft. It must be reviewed and approved by the organization's compliance department and qualified legal counsel before publication. Where a compliance‑approved version of any language is provided by a carrier, regulator, or affiliated organization, that exact wording will replace the draft below.

Acceptance

By accessing or using this website, you agree to these Terms and Conditions and our Privacy Policy. If you do not agree, please do not use the website.

Educational Purpose

The content of this website is for general educational purposes and does not constitute individualized tax, legal, investment, or accounting advice. Nothing on this website constitutes an offer to sell or a solicitation of an offer to buy any product in any jurisdiction where such an offer would be unlawful.

No Professional Relationship

Use of this website does not create a client, agency, fiduciary, attorney‑client, or accountant‑client relationship. A professional relationship arises only through a written agreement, application, or policy issued in the applicable jurisdiction.

Third‑Party Content

We may link to third‑party websites, statistics, or resources for convenience. We do not endorse and are not responsible for third‑party content or its accuracy.

Intellectual Property

All content on this website — including text, graphics, logos, images, and layout — is the property of Puzz Heritage Financials or its licensors and is protected by applicable intellectual‑property laws. You may not reproduce, distribute, or create derivative works without written permission.

Prohibited Conduct

You agree not to (a) misuse the website or interfere with its operation, (b) attempt to gain unauthorized access, (c) upload malicious code, or (d) use the website to violate any law or third‑party right.

Disclaimer of Warranties

The website is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error‑free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, Puzz Heritage Financials, its affiliates, and its financial professionals will not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or related to the use of this website.

Governing Law

These terms are governed by the laws of the State of Texas, without regard to conflict‑of‑law principles. Venue for any dispute will lie in a court of competent jurisdiction located in Collin County, Texas, unless otherwise required by law.

Changes

We may update these terms from time to time. Continued use of the website constitutes acceptance of the updated terms.