Last Updated: August 18, 2026
1. IMPORTANT LEGAL NOTICE
These Terms and Conditions and Consent Agreement (“Agreement,” “Terms,” or “Terms and Conditions”) constitute a legally binding agreement between Buzz Capital Solutions, doing business as Nathan Buzzell (“Company,” “we,” “us,” or “our”), and each person who accesses, visits, downloads, submits information through, communicates with, schedules an appointment with, purchases from, or otherwise uses any website, landing page, advertisement, form, lead magnet, educational material, consultation, communication channel, or service made available by the Company (“User,” “you,” or “your”).
By accessing or using any Company property or submitting your information through any Company form, landing page, advertisement, website, telephone number, text-message service, email form, scheduling page, webinar registration, consultation request, or other lead-generation mechanism, you acknowledge that you have read, understood, and agreed to be bound by this Agreement.
IMPORTANT: The Company provides educational and informational content primarily for the purpose of generating interest in and facilitating discussions regarding life insurance products, including indexed universal life (“IUL”) insurance. Nothing contained in any Company content, communication, presentation, guide, webinar, consultation, advertisement, or other material constitutes legal, tax, accounting, investment, securities, fiduciary, or other professional advice.
Insurance products are subject to underwriting, policy terms, contractual provisions, carrier requirements, applicable law, and individual circumstances. No particular policy, premium, death benefit, cash-value performance, policy loan result, tax treatment, or other outcome is guaranteed.
You are solely responsible for conducting your own due diligence and obtaining independent professional advice before making financial, insurance, tax, legal, or other consequential decisions.
2. PARTIES AND DEFINITIONS
2.1 Company
For purposes of this Agreement, “Company” means:
Legal Name: Buzz Capital Solutions
DBA: Nathan Buzzell
Business Type: IUL insurance agent offering free information to promote insurance services
Primary Services: Free educational and informational products and related consultations intended to introduce consumers to IUL insurance and related insurance services.
2.2 User
“User” means any individual or entity accessing or interacting with Company materials, whether or not the User ultimately purchases an insurance product or service.
2.3 Services
“Services” means any educational content, informational materials, lead magnets, guides, checklists, webinars, consultations, insurance-related discussions, appointment-setting services, communications, or other materials or services provided by or on behalf of the Company.
2.4 Content
“Content” means all written, verbal, visual, audio, video, digital, graphical, educational, instructional, promotional, or other material supplied by the Company, including guides, PDFs, presentations, advertisements, websites, emails, text messages, videos, webinars, social-media content, scripts, worksheets, frameworks, systems, processes, templates, calculators, examples, illustrations, and training materials.
2.5 Insurance Products
“Insurance Products” means life insurance and related insurance products offered by insurance carriers and discussed, illustrated, solicited, or potentially recommended by the Company or an appropriately licensed insurance professional.
2.6 Lead Generation Materials
“Lead Generation Materials” include free guides, reports, checklists, educational downloads, webinars, consultations, landing pages, online forms, advertisements, social-media campaigns, websites, quizzes, educational videos, and similar materials used to obtain contact information and initiate communications with prospective customers.
3. SCOPE OF SERVICES
The Company provides educational and informational materials relating primarily to life insurance and IUL insurance and may use those materials to introduce prospective customers to insurance services.
Services may include, without limitation:
Educational information concerning life insurance;
General information concerning indexed universal life insurance;
Explanations of insurance concepts, terminology, and policy features;
Educational guides, reports, checklists, and other free information products;
Webinars and educational presentations;
Telephone and video consultations;
Preliminary discussions concerning insurance needs;
Assistance in exploring available insurance products;
Referrals or introductions to appropriately licensed insurance professionals or insurance carriers, where applicable; and
Marketing and follow-up communications concerning the foregoing.
The Company reserves the right to modify, discontinue, restrict, or terminate any Service or Content at any time without notice.
Nothing in this Agreement obligates the Company to provide any particular insurance product, policy, carrier, premium, coverage amount, underwriting result, or other service.
4. EDUCATIONAL PURPOSE ONLY
All free information, educational materials, lead magnets, webinars, guides, presentations, advertisements, consultations, and other Content are provided for general educational and informational purposes.
The purpose of the Content is to help Users understand general concepts and identify questions they may wish to discuss with qualified professionals.
The Content is not intended to constitute personalized financial advice, investment advice, legal advice, tax advice, accounting advice, fiduciary advice, securities advice, estate-planning advice, or any other professional advice.
General educational information does not establish a professional-client, fiduciary, advisory, attorney-client, accountant-client, or tax-advisor relationship.
Any discussion of an insurance product does not constitute a guarantee that such product is suitable, available, affordable, or appropriate for you.
5. NO PROFESSIONAL ADVICE
5.1 No Legal Advice
The Company is not providing legal advice. No Content should be interpreted as legal advice or as a substitute for consultation with a licensed attorney.
Users should consult their own attorney concerning estate planning, trusts, ownership structures, beneficiary designations, contractual matters, business structures, asset protection, or other legal issues.
5.2 No Tax Advice
The Company does not provide individualized tax advice.
Tax treatment of life insurance products may depend on numerous factors, including applicable federal and state tax law, policy structure, ownership, withdrawals, loans, surrender, modified endowment contract status, premiums paid, policy performance, and the circumstances of the policy owner.
Users should consult a qualified tax professional regarding the tax consequences of any proposed transaction.
5.3 No Investment or Securities Advice
Nothing contained in the Company's Content constitutes investment advice, securities advice, portfolio management, investment management, or a recommendation to purchase, sell, or hold a security.
References to indexes, index performance, market performance, interest-crediting methods, or historical returns are educational only and do not represent ownership of any underlying index or security unless expressly stated otherwise.
5.4 No Fiduciary Relationship
Unless separately established by a written agreement imposing fiduciary obligations under applicable law, the Company does not undertake to act as a fiduciary for any User.
6. INSURANCE-SPECIFIC DISCLOSURES
6.1 Insurance Is a Contract
Life insurance is a contractual financial product issued by an insurance carrier. Policy benefits, values, charges, guarantees, exclusions, riders, premiums, interest-crediting methods, surrender provisions, loans, and other features are governed by the actual insurance contract and applicable carrier documentation.
Marketing materials, illustrations, examples, presentations, and educational materials do not replace or modify the insurance contract.
6.2 No Guarantee of Approval
The Company does not guarantee that any applicant will qualify for insurance.
Approval may depend on underwriting factors including, without limitation, age, health history, medical records, lifestyle, occupation, financial information, insurable interest, underwriting guidelines, state requirements, and carrier-specific criteria.
6.3 No Guarantee of Policy Performance
The Company does not guarantee any particular:
Cash-value accumulation;
Interest-crediting rate;
Index performance;
Dividend or non-guaranteed element;
Death benefit;
Premium requirement;
Policy duration;
Loan availability;
Loan performance;
Surrender value;
Internal rate of return;
Tax outcome; or
Other policy result.
Illustrations and projections may include non-guaranteed assumptions. Actual results may differ materially.
6.4 Carrier-Controlled Terms
Insurance carriers determine contractual policy terms and may impose underwriting requirements, fees, charges, limitations, exclusions, and other conditions.
Where applicable, the insurance carrier's policy and related contractual documents control over generalized educational or marketing information.
6.5 Licensing and Jurisdiction
Insurance transactions may only be conducted by persons properly licensed or otherwise authorized under applicable law for the relevant jurisdiction and product.
The Company does not represent that every insurance product or service discussed is available in every state.
7. NO GUARANTEES AND NO INCOME CLAIMS
The Company makes no guarantee, warranty, promise, representation, or assurance concerning any financial or business result.
Without limiting the foregoing, the Company does not guarantee:
Income; Wealth accumulation; Retirement outcomes;
Cash-value growth; Investment or financial returns; Insurance approval; Policy issuance;
Premium savings; Tax savings; Business growth; Financial independence; Debt reduction; Investment performance; Insurance coverage; Policy longevity; Any particular death benefit; Any particular rate of return; or Any other economic or financial outcome.
Any examples, illustrations, hypothetical scenarios, historical information, testimonials, case studies, or statements concerning potential outcomes are illustrative only and are not promises of future performance. Individual results vary materially.
8. USER RESPONSIBILITY AND INDEPENDENT DUE DILIGENCE
You acknowledge that financial and insurance decisions involve risk and uncertainty.
You are solely responsible for evaluating whether any insurance product, strategy, policy structure, premium level, or other financial decision is appropriate for your circumstances.
Before entering into any insurance transaction, you should independently evaluate, as applicable:
Your financial circumstances;
Your income and expenses;
Your liquidity needs;
Your insurance needs;
Your existing insurance coverage;
Your debt obligations;
Your tax circumstances;
Your estate-planning objectives;
Your risk tolerance;
Your time horizon;
The policy's contractual terms;
The carrier's financial strength and reputation;
Policy costs and charges;
Guaranteed and non-guaranteed elements; and
The potential consequences of policy lapse, surrender, or borrowing.
You agree not to rely exclusively on Company Content when making consequential financial or insurance decisions.
9. ASSUMPTION OF RISK
You knowingly and voluntarily assume all risks associated with your use of the Company's Content and Services and with any financial, insurance, business, tax, legal, or other decisions you make based upon or after reviewing such Content.
You acknowledge that financial and insurance products involve risks, limitations, costs, uncertainty, and potential adverse outcomes.
You further acknowledge that:
Educational information may be incomplete;
Information may become outdated;
Laws and regulations may change;
Insurance products differ among carriers;
Individual circumstances differ;
Policy performance may differ from illustrations;
Insurance applications may be declined or rated differently than anticipated;
Policies may lapse if required premiums are not maintained;
Policy loans and withdrawals may affect policy values and benefits;
Tax consequences may differ from expectations; and
No educational material can account for every individual circumstance.
You accept responsibility for the consequences of decisions you make after receiving or reviewing Company Content.
10. LEAD MAGNET AND FREE CONTENT DISCLAIMER
The Company may provide free educational materials in exchange for contact information.
Such materials may include guides, reports, checklists, webinars, videos, consultations, worksheets, educational presentations, calculators, or similar resources.
Free Content is provided “AS IS” and “AS AVAILABLE” for general informational purposes.
Receipt of free Content does not create an obligation for the Company to provide any insurance product, policy, service, consultation, or future communication.
The Company may update, replace, withdraw, or discontinue free Content at any time.
You agree that you will not treat free Content as individualized professional advice.
11. PAYMENTS AND PAYMENT TERMS
Where paid products or services are offered, all prices, fees, payment schedules, subscriptions, and applicable taxes will be disclosed at or before the time of purchase.
Unless otherwise expressly stated in writing:
Payment obligations are due according to the terms presented at purchase;
You authorize the applicable payment provider to process authorized charges;
You are responsible for providing accurate billing information;
You are responsible for applicable taxes and governmental charges;
Failure to make payment may result in suspension or termination of Services; and
The Company may use third-party payment processors.
The Company is not responsible for unauthorized charges resulting from a User's failure to protect account, payment, or login credentials.
12. REFUND POLICY
ALL PURCHASES ARE NON-REFUNDABLE UNLESS EXPRESSLY STATED OTHERWISE IN WRITING AT THE TIME OF PURCHASE.
Where a specific product or service includes a written refund policy, that policy will govern the applicable purchase to the extent permitted by law.
No refund will be owed merely because:
A User does not use purchased Content;
A User changes their mind;
A User does not achieve a desired financial outcome;
A User does not qualify for an insurance product;
An insurance application is declined;
An insurance policy does not perform as expected;
A User disagrees with educational Content; or
A User experiences a financial result different from expectations.
Nothing in this Section limits any non-waivable consumer rights provided by applicable law.
13. COMMUNICATIONS CONSENT
By voluntarily submitting your telephone number, email address, or other contact information through a Company website, landing page, form, advertisement, lead magnet, consultation request, webinar registration, or other lead-generation mechanism, you expressly consent to receive communications from the Company and its authorized representatives, subject to applicable law.
Such communications may include:
Telephone calls;
Text messages/SMS;
Emails;
Appointment reminders;
Follow-up communications;
Educational communications;
Insurance-related communications;
Promotional communications;
Marketing communications;
Offers concerning insurance products or services;
Communications concerning products or services that may be of interest to you; and
Automated or prerecorded communications, where legally permitted and where the required consent has been obtained.
13.1 TCPA Consent
Where required by applicable law, your consent constitutes prior express written consent to receive telemarketing calls and text messages, including calls and texts made using automated technology, an autodialing system, prerecorded voice, artificial or prerecorded voice, or similar technology, at the telephone number you provide.
You understand that consent is not a condition of purchasing any goods or services.
You further understand that message and data rates may apply depending upon your mobile carrier or telecommunications provider.
The number and frequency of communications may vary.
13.2 Consent Is Not a Condition of Purchase
You may decline marketing communications without being denied access to goods or services solely because you declined such communications, except where a particular communication is reasonably necessary to provide a service you requested.
13.3 Accuracy of Contact Information
You represent that any telephone number or email address you provide belongs to you or that you are otherwise authorized to provide it.
You agree not to submit another person's telephone number or contact information without authorization.
You agree to promptly notify the Company if your contact information changes.
13.4 Compliance With Applicable Law
The Company intends communications to comply with applicable federal and state laws and regulations, including applicable provisions of the Telephone Consumer Protection Act (“TCPA”), Federal Communications Commission (“FCC”) requirements, applicable Do-Not-Call requirements, and other applicable marketing and consumer-protection laws.
The Company may limit, suspend, or discontinue automated communications where required by applicable law or where consent cannot be reasonably established.
14. OPT-OUT AND REVOCATION OF CONSENT
You may revoke consent to marketing calls or text messages at any time by using a reasonable method clearly communicating your desire to stop receiving such communications.
For text messages, you may reply with “STOP,” “UNSUBSCRIBE,” “CANCEL,” “END,” “QUIT,” or another clear request to discontinue messages.
You may also request removal from marketing communications by contacting:
Email: [email protected]
Phone: +1-704-929-4319
You understand that revocation of marketing consent does not necessarily terminate communications that are reasonably necessary to fulfill a transaction, provide a requested service, respond to a customer inquiry, administer an existing relationship, or comply with legal obligations, where such communications are legally permitted.
The Company will process valid revocation requests in accordance with applicable law.
You acknowledge that withdrawing consent does not retroactively invalidate communications previously sent pursuant to valid consent.
15. INTELLECTUAL PROPERTY RIGHTS
All Company Content is and shall remain the property of the Company or its respective licensors unless expressly stated otherwise.
Protected Content may include:
Written materials;
Guides;
Reports;
Worksheets;
Presentations;
Videos;
Audio recordings;
Graphics;
Logos;
Trademarks;
Service marks;
Trade dress;
Frameworks;
Systems;
Processes;
Methodologies;
Training materials;
Educational models;
Scripts;
Templates;
Checklists;
Forms;
Proprietary terminology;
Marketing materials;
Website content; and
Other intellectual property.
Except for the limited personal, non-exclusive, non-transferable, revocable right to access and use Content for its intended purpose, no rights are granted to the User.
16. ACCEPTABLE USE OF MATERIALS
You may not, without prior written authorization from the Company:
Reproduce Company Content for commercial purposes;
Resell or redistribute Company Content;
Publish Company Content on another website;
Upload Company Content to a public repository;
Create derivative commercial products from Company Content;
Remove copyright, trademark, or proprietary notices;
Copy proprietary frameworks, systems, processes, or methodologies for commercial exploitation;
Use Company Content to create competing products or services;
Use Company Content to train, develop, or enhance a competing commercial system where prohibited by applicable law;
Misrepresent Company Content as your own;
Share paid or restricted materials with unauthorized persons; or
Otherwise exploit Company intellectual property without authorization.
The Company reserves all rights not expressly granted.
Unauthorized use may result in immediate termination of access and may constitute infringement or other actionable conduct.
17. PROTECTION AGAINST MISUSE OF INFORMATION
You agree not to misuse information obtained from the Company for unlawful, fraudulent, deceptive, misleading, competitive, or otherwise unauthorized purposes.
You shall not use Company Content to:
Misrepresent insurance products;
Make unauthorized financial claims;
Make misleading income or investment claims;
Represent yourself as the Company;
Represent yourself as an insurance professional when you are not properly licensed;
Solicit insurance business in violation of applicable law;
Create deceptive advertisements;
Circumvent applicable insurance regulations;
Infringe upon Company intellectual property; or
Facilitate fraud or other unlawful conduct.
You remain solely responsible for your use of any information obtained from the Company.
18. USER REPRESENTATIONS
By using the Services, you represent and warrant that:
You are legally capable of entering into this Agreement;
The information you provide is accurate and not misleading;
You will use Company Content only for lawful purposes;
You will not impersonate another person;
You will not submit unauthorized contact information;
You will not interfere with Company systems;
You will comply with applicable laws and regulations; and
You will not rely upon Company Content as individualized professional advice.
19. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SERVICES, CONTENT, INFORMATION, MATERIALS, WEBSITES, LEAD MAGNETS, COMMUNICATIONS, AND OTHER COMPANY PROPERTY ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS” BASIS.
THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, OR SUITABILITY.
THE COMPANY DOES NOT WARRANT THAT:
CONTENT WILL BE COMPLETE OR ERROR-FREE;
INFORMATION WILL BE CURRENT;
SERVICES WILL BE UNINTERRUPTED;
WEBSITES WILL BE AVAILABLE AT ALL TIMES;
CONTENT WILL PRODUCE ANY PARTICULAR RESULT;
ANY INSURANCE APPLICATION WILL BE APPROVED;
ANY INSURANCE POLICY WILL BE ISSUED;
ANY POLICY WILL ACHIEVE A PARTICULAR PERFORMANCE RESULT; OR
SERVICES WILL MEET YOUR PARTICULAR NEEDS.
Nothing in this Section excludes warranties that cannot legally be excluded.
20. THIRD-PARTY LINKS AND SERVICES
Company websites, Content, advertisements, emails, or communications may contain links to third-party websites, carriers, service providers, payment processors, scheduling systems, social-media platforms, or other third-party services.
The Company does not control and is not responsible for third-party websites, content, policies, security practices, products, services, representations, or actions.
Your use of third-party services is governed by the applicable third party's terms and privacy policies.
A link or reference does not constitute an endorsement or guarantee by the Company unless expressly stated.
21. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, REPRESENTATIVES, LICENSORS, SERVICE PROVIDERS, AND BUSINESS PARTNERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER NON-DIRECT DAMAGES ARISING FROM OR RELATING TO:
Your use or inability to use Company Content;
Your reliance upon educational information;
Any insurance application;
Any insurance policy;
Any underwriting decision;
Any policy lapse or surrender;
Any premium payment;
Any policy loan or withdrawal;
Any tax consequence;
Any financial loss;
Any business loss;
Any loss of income;
Any loss of opportunity;
Any interruption of service;
Any third-party product or service;
Any unauthorized use of your information by a third party;
Any technological failure;
Any communication failure;
Any errors or omissions in Content; or
Any action taken or not taken based upon Company Content.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU ACTUALLY PAID DIRECTLY TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).
This limitation applies regardless of the legal theory asserted, including contract, tort, negligence, strict liability, statute, equity, or otherwise, to the maximum extent permitted by law.
Nothing in this Agreement limits liability that cannot legally be limited or excluded.
22. INDEMNIFICATION
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company and its owners, officers, directors, employees, agents, contractors, affiliates, representatives, licensors, and service providers from and against any claims, demands, actions, proceedings, liabilities, damages, losses, judgments, settlements, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:
Your breach of this Agreement;
Your misuse of Company Content;
Your violation of applicable law;
Your violation of another person's rights;
Your unauthorized submission of another person's contact information;
Your use of Company Content as professional advice;
Your insurance, financial, tax, legal, or business decisions;
Your representations to third parties concerning Company Content;
Your unauthorized reproduction or distribution of Company intellectual property; or
Your use of third-party services or information.
The Company reserves the right to assume exclusive defense and control of any matter subject to indemnification, and you agree to cooperate fully with such defense.
23. RELEASE
To the maximum extent permitted by law, you release and discharge the Company and its owners, officers, directors, employees, agents, contractors, affiliates, representatives, licensors, and service providers from claims arising from your voluntary use of educational Content or your decisions concerning insurance or financial matters made after receiving such Content, except to the extent such release is prohibited by applicable law.
This release does not waive claims that cannot legally be waived.
24. ARBITRATION AGREEMENT
24.1 Agreement to Arbitrate
Except for claims expressly excluded below, any dispute, controversy, or claim arising out of or relating to this Agreement, the Services, Company Content, communications, purchases, or the relationship between you and the Company shall be resolved through binding individual arbitration rather than in court.
The arbitration shall take place in or near Sheridan, Wyoming, unless the parties mutually agree otherwise or applicable law requires another location or procedure.
The Federal Arbitration Act (“FAA”) shall govern the interpretation and enforcement of this arbitration provision to the extent applicable.
24.2 Arbitrator
The arbitration shall be conducted by a neutral arbitrator selected in accordance with the applicable arbitration provider's rules or by mutual agreement of the parties.
The arbitrator shall have authority to award relief that would otherwise be available in an individual court proceeding, subject to the limitations contained in this Agreement and applicable law.
24.3 Individual Arbitration Only
The arbitration shall be conducted solely on an individual basis.
Neither you nor the Company may participate in or bring a claim as a plaintiff, claimant, class member, representative, private attorney general, or participant in any purported class, collective, consolidated, or representative proceeding to the extent such waiver is enforceable under applicable law.
24.4 Small Claims Exception
Nothing in this Agreement prevents either party from pursuing an individual claim in a small-claims court if the claim qualifies under the applicable court's jurisdictional requirements and is pursued solely on an individual basis.
24.5 Injunctive Relief Concerning Intellectual Property
Nothing in this Agreement prevents the Company from seeking temporary, preliminary, or permanent injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, trade secrets, or against unauthorized use of Company Content where permitted by law.
25. WAIVER OF JURY TRIAL
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE COMPANY KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING THAT IS NOT REQUIRED TO BE SUBMITTED TO BINDING ARBITRATION.
This waiver is intended to apply to all disputes arising from or relating to this Agreement, the Services, Content, communications, purchases, or the parties' relationship, to the maximum extent permitted by law.
26. CLASS ACTION WAIVER
TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER, CLASS REPRESENTATIVE, PRIVATE ATTORNEY GENERAL, OR PARTICIPANT IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION.
Unless otherwise required by applicable law, the arbitrator may not combine claims of multiple individuals or preside over any representative, class, or collective proceeding.
27. GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Wyoming, without regard to conflict-of-law principles, except to the extent federal law controls or applicable law requires otherwise.
The parties acknowledge that federal law, including the Federal Arbitration Act where applicable, may govern specific provisions of this Agreement.
Nothing in this Section is intended to deprive a consumer of any non-waivable rights or protections provided by applicable law.
28. MODIFICATION OF TERMS
The Company reserves the right to modify, amend, supplement, or replace these Terms at any time.
Updated Terms will become effective when posted or otherwise made available, unless a different effective date is expressly stated.
Your continued use of Company Services after updated Terms become effective constitutes acceptance of the revised Terms to the extent permitted by law.
If a material modification requires affirmative consent under applicable law, the Company may request such consent separately.
29. SEVERABILITY
If any provision of this Agreement is determined to be invalid, unlawful, void, or unenforceable, that provision shall be modified or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
If any portion of the arbitration provision, jury waiver, class action waiver, liability limitation, or indemnification provision is found unenforceable, the remaining enforceable portions shall remain effective to the fullest extent permitted by law.
30. ENTIRE AGREEMENT
This Agreement constitutes the entire agreement between you and the Company concerning the subject matter addressed herein and supersedes all prior or contemporaneous understandings, representations, communications, proposals, and agreements concerning such subject matter, except for any separate written agreement expressly executed by the parties.
Any additional terms presented at the time of purchase, registration, appointment scheduling, or use of a particular Service may supplement this Agreement and shall control solely with respect to the specific transaction where expressly stated.
31. NO WAIVER
The Company's failure to enforce any provision of this Agreement shall not constitute a waiver of its right to enforce that provision in the future.
No waiver shall be effective unless made in writing by an authorized representative of the Company.
32. ASSIGNMENT
You may not assign, transfer, delegate, or otherwise convey your rights or obligations under this Agreement without the Company's prior written consent.
The Company may assign or transfer this Agreement, in whole or in part, to an affiliate, successor, purchaser, or other entity in connection with a merger, acquisition, reorganization, sale of assets, or other business transaction.
33. ELECTRONIC ACCEPTANCE
You agree that electronic acceptance, including checking a box, clicking an acceptance button, submitting a form, electronically signing a document, scheduling an appointment, purchasing a Service, downloading Content, or continuing to use Company Services after being presented with these Terms, may constitute legally binding acceptance to the extent permitted by applicable law.
You consent to conduct transactions and receive records electronically where legally permitted.
34. NO RELATIONSHIP CREATED BY EDUCATIONAL CONTENT
Your receipt or use of Company Content does not create an attorney-client relationship, accountant-client relationship, tax-advisor relationship, investment-advisory relationship, fiduciary relationship, employment relationship, partnership, joint venture, agency relationship, or other professional relationship except as expressly established by a separate written agreement or as otherwise required by applicable law.
Any insurance relationship is subject to applicable licensing requirements and the terms governing the particular insurance transaction.
35. PRIVACY AND PERSONAL INFORMATION
The Company may collect personal information submitted through websites, forms, advertisements, consultations, communications, and other lead-generation mechanisms.
Users should not submit sensitive personal information through an unsecured form or communication channel unless specifically requested and authorized by the Company.
Where applicable, collection and use of personal information will also be governed by the Company's Privacy Policy and other applicable disclosures.
Nothing in this Agreement authorizes the Company to use personal information in violation of applicable privacy, consumer-protection, insurance, telecommunications, or marketing laws.
36. COMPLIANCE WITH LAW
The Company intends to conduct its business in accordance with applicable federal and state laws and regulations.
Because insurance, advertising, telecommunications, privacy, consumer-protection, tax, and financial-services laws may vary by jurisdiction and may change over time, no provision of this Agreement shall be interpreted as permitting conduct prohibited by applicable law.
Where a provision of this Agreement conflicts with a mandatory provision of applicable law, the mandatory legal requirement shall control to the extent of the conflict.
37. NO UNAUTHORIZED RELIANCE
You expressly agree that you will not represent to any third party that the Company has provided individualized legal, tax, investment, securities, fiduciary, accounting, or other professional advice merely because you received or discussed Company Content.
You further agree that you will not use Company Content as the sole basis for making a financial or insurance decision where independent professional evaluation would reasonably be appropriate.
The Company is not responsible for decisions made by you or by third parties based upon your interpretation, modification, redistribution, or misuse of Company Content.
38. SURVIVAL
Provisions that by their nature should survive termination shall survive termination or expiration of this Agreement, including without limitation:
Intellectual Property Rights;
Acceptable Use;
Disclaimer of Warranties;
Limitation of Liability;
Indemnification;
Release;
Arbitration;
Jury Trial Waiver;
Class Action Waiver;
Governing Law;
Severability; and
Any payment obligations that remain outstanding.
39. TERMINATION
The Company may suspend or terminate your access to any Company Content or Service at any time, with or without notice, where permitted by law.
Grounds for termination may include, without limitation:
Violation of these Terms;
Unauthorized use of Company Content;
Fraudulent conduct;
Abuse of Company personnel;
Misuse of communications systems;
Violation of applicable law;
Nonpayment;
Attempted circumvention of Company systems; or
Conduct that may expose the Company or others to legal, regulatory, security, or reputational risk.
Termination shall not eliminate obligations that accrued before termination.
40. CONTACT INFORMATION
For questions regarding these Terms, communications, Services, or other Company matters, contact:
Buzz Capital Solutions
Doing Business As: Nathan Buzzell
Email: [email protected]
Phone: +1-704-929-4319
Governing Law: Wyoming
Arbitration Location: Sheridan, Wyoming
41. ACKNOWLEDGMENT AND CONSENT
By accessing Company Content, submitting a form, downloading a lead magnet, registering for a webinar, requesting a consultation, scheduling an appointment, purchasing a Service, or otherwise interacting with the Company after being provided notice of these Terms, you acknowledge and agree that:
You have read and understood these Terms and Conditions and Consent Agreement;
You voluntarily agree to be bound by these Terms;
You understand that Company Content is educational and informational;
You understand that the Company does not provide legal, tax, investment, securities, fiduciary, or accounting advice;
You understand that insurance products involve contractual terms, risks, costs, underwriting, and uncertainty;
You understand that no financial, insurance, income, tax, or business result is guaranteed;
You accept responsibility for conducting your own due diligence;
You agree not to rely upon educational Content as individualized professional advice;
You agree to the intellectual-property restrictions contained herein;
You agree to the applicable limitation of liability and indemnification provisions;
You agree to the arbitration provision to the maximum extent permitted by law;
You knowingly waive a jury trial to the maximum extent permitted by law;
You agree to the individual-action and class-action waiver to the maximum extent permitted by law; and
Where you have affirmatively provided the required consent, you authorize the Company and its authorized representatives to contact you through telephone calls, text messages, email, and other permitted communication methods concerning educational information, consultations, insurance services, and promotional offers, subject to applicable law and your right to revoke consent.
BY USING THE COMPANY'S SERVICES OR SUBMITTING YOUR CONTACT INFORMATION AFTER BEING PRESENTED WITH THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE HAD THE OPPORTUNITY TO REVIEW THESE TERMS AND AGREE TO THEM TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Buzz Capital Solutions
Last Updated: August 18, 2026