Terms of Use

Effective date

September 30, 2026.

Educational website

The website provides general educational information about life insurance. It is not personalized financial, tax, investment, or legal advice and does not replace a review of an insurer’s application, illustration, policy, disclosures, or contract.

No offer, binding, or guarantee

Using the website, sending an email, or booking a consultation does not apply for insurance, bind coverage, create an insurance contract, or guarantee eligibility, approval, premium, benefit, or policy issuance. Coverage is effective only when issued by an authorized insurer and all applicable policy and payment conditions are satisfied.

Florida availability

Rob Martinez is currently licensed in Florida only. Website information is intended for Florida residents. Product availability, features, underwriting, and terms vary by insurer and individual circumstances.

Third-party services and links

The website links to Google Calendar and may link to other third-party services. Martinez Capital does not control those services and is not responsible for their availability, security, content, or privacy practices. Their terms and policies apply when you use them.

Acceptable use

You agree not to misuse the website, interfere with its operation, attempt unauthorized access, submit unlawful material, or use its content in a misleading manner.

Website content

Content may be updated or removed without notice. Although reasonable efforts are made to provide accurate information, insurance products and requirements change, and no representation is made that every page is complete for every circumstance.

Governing Law

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Any dispute relating to this website will be brought in the state or federal courts located in Miami-Dade County, Florida.

Disclaimer of warranties

This website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose, to the fullest extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Martinez Capital, LLC and Rob Martinez are not liable for indirect, incidental, consequential, or special damages arising from use of, or inability to use, this website or its content. Nothing in these terms limits any duty owed under Florida insurance law or any consumer right that cannot be waived.

Contact

Questions about these terms may be sent to Info@MartinezCapital.net.