Terms & Conditions

Acceptance of these terms

By accessing or using this website, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the website. You must use the website only for lawful purposes and in a manner that does not interfere with its operation or the rights of others.

Information—not individualized advice

Website content is provided for general educational and informational purposes. It is not individualized insurance, investment, legal, accounting, medical or tax advice and should not replace advice from appropriately licensed professionals who understand your circumstances.

Nothing on this website is an offer, promise or guarantee of insurance coverage, product performance, tax treatment, employment, compensation or business results.

Products, eligibility and coverage

Insurance and annuity products are offered only through appropriately licensed agents and authorized carriers. Product features, availability, rates, underwriting, eligibility and approvals vary by state, carrier and applicant. Coverage exists only after the issuing carrier approves an application, receives required premium and delivers or issues the applicable contract according to its terms.

Carrier contracts and official product materials control if they differ from a website summary.

Information you submit

You agree that information you provide through the website is accurate and that you are authorized to provide it. Submitting a form does not create coverage, an advisory relationship, an employment relationship or a contractual obligation for ABN or any carrier.

Email, telephone and text communications

If you provide contact information, you authorize ABN Financial Group and its authorized representatives to respond regarding your inquiry. Where a form separately requests consent for marketing calls or texts, the disclosures and choices shown on that form apply. Consent to marketing communications is not a condition of purchasing a product or service. Message and data rates may apply. You may opt out of email through the unsubscribe link and of text messages by replying STOP.

Intellectual property

Unless otherwise noted, website content, design, text, graphics and ABN branding are owned by or licensed to The Omega Group LLC doing business as ABN Financial Group and are protected by applicable law. You may view and print reasonable portions for personal, noncommercial use. You may not reproduce, republish, modify or exploit the content without written permission. Third-party names and marks belong to their respective owners.

Third-party services and links

Links to third-party websites are provided for convenience. ABN does not control and is not responsible for their content, availability, security, products or privacy practices. A link or reference does not necessarily imply endorsement. Your use of a third-party service is governed by that provider’s terms.

No warranties

To the fullest extent permitted by law, this website and its content are provided “as is” and “as available.” ABN does not warrant that the website will be uninterrupted, error-free, secure or completely current, or that any particular result will follow from its use.

Limitation of liability

To the fullest extent permitted by law, ABN Financial Group, The Omega Group LLC and their owners, officers, agents and service providers will not be liable for indirect, incidental, special, consequential or punitive damages arising from use of—or inability to use—this website or reliance on its content. Rights that cannot lawfully be limited remain unaffected.

Governing law and changes

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. If any provision is found unenforceable, the remaining provisions will continue in effect.

We may revise these terms periodically. Revisions become effective when posted with an updated date. Continued use after posting constitutes acceptance of the revised terms.

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