Terms of Service

1. General Disclaimer – Educational Use Only

All content provided on this Site is for general informational and educational purposes only. Nothing on this Site constitutes financial, legal, tax, investment, or insurance advice. While the site owner is a licensed financial professional, any content related to areas outside the scope of licensure is not intended as professional advice and should not be relied upon as such.

Visitors are encouraged to consult with a licensed professional in the appropriate field before making financial, legal, or tax-related decisions.

2. Licensing & Service Area Disclosure

Financial coaching and insurance-related services offered through this Site are only provided in states where the site owner is licensed to operate. No services or advice will be provided to individuals residing outside of these jurisdictions.

3. Use of Site & Services

By using this Site, submitting a contact form, or scheduling an appointment via Calendly, you agree to:

• Provide accurate contact details

• Receive occasional emails or phone calls related to our services

• Be added to our newsletter (which is sent sparingly, usually 1–2 emails every 1–2 weeks, and can be unsubscribed from at any time)

You must be at least 18 years of age to use this Site or engage in our services.

4. Downloadable Content (Free & Paid)

From time to time, this Site may offer free downloadable content (e.g., checklists, guides, resources) for educational purposes. Any paid content, if offered, will be processed through a trusted third-party service. We do not collect or process credit card information directly on this Site.

You may not redistribute, sell, or modify any downloads without express written consent.

5. Intellectual Property

All materials on this Site—including text, graphics, videos, and branding—are the property of Shelong Yang unless otherwise stated. You may not copy, modify, or distribute these materials without prior written permission.

6. Third-Party Links & Tools

This Site may link to third-party platforms (e.g., Calendly, Facebook, Instagram, Mailchimp, Stripe, etc.). Use of these services is subject to their own terms and privacy policies. We are not liable for the content, security, or performance of external platforms.

7. Limitation of Liability

To the maximum extent permitted by law, Shelong Yang and any affiliates are not liable for any direct, indirect, incidental, or consequential damages that arise from use of this Site or its content. This includes but is not limited to financial loss, loss of opportunity, or data breach resulting from third-party tools.

8. Right to Refuse or Terminate Service

We reserve the right to refuse service, cancel appointments, or delete submitted information at our discretion if a user violates these Terms or acts in bad faith.

9. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised effective date. Continued use of the Site indicates your acceptance of any changes.

10. Governing Law

These Terms are governed by and interpreted under the laws of the State of California, USA.

11. Contact

For questions about these Terms or to request deletion of your information, contact us at:
🌐 www.shelongyang.com