Terms of Use

These Terms of Use govern your use of this website, operated by Childress Financial Consultants LLC ("we", "us"). By using the site you agree to these terms. If you do not agree, please do not use the site.

1. Informational purpose only — not advice

All content on this site is general educational information about retirement, insurance, and financial planning concepts. It is not individualized financial, investment, insurance, tax, or legal advice, and it is not an offer or solicitation to buy or sell any security or insurance product. Product features, rates, and availability change and vary by carrier, state, and individual circumstances. No outcome, rate of return, income amount, or tax result is promised or guaranteed. Any strategy discussed involves trade-offs and should be evaluated against your own situation with appropriate professional guidance, including a qualified tax advisor or attorney where relevant.

2. Licensing

Kwesi Childress is a licensed California life and annuity agent, California Department of Insurance license #0H86931. Services are offered only where properly licensed. Contacting us does not create a client, advisory, or fiduciary relationship; a relationship begins only when documented in writing.

3. Eligibility

The site is intended for adults 18 or older located in the United States. There are no user accounts, registrations, subscriptions, or purchases available on this site.

4. Calls, texts, and email

• •When you tap a call or text link you are initiating contact through your own device; standard message and data rates from your carrier may apply.
• •By texting us you consent to receive replies from us about your inquiry. Reply STOP at any time to stop messages.
• •Please do not send Social Security numbers, account numbers, or other sensitive financial or health details by text or email; those are not secure channels.

5. Acceptable use

• •Do not attempt to disrupt, overload, scan, probe, or gain unauthorized access to the site or its infrastructure.
• •Do not scrape, copy, frame, or republish site content for commercial purposes without our written permission.
• •Do not use the site or our contact channels for unlawful, fraudulent, harassing, or misleading purposes.
• •Do not misrepresent your identity or your relationship with us.

6. Intellectual property

The Childress Financial name, logo, page copy, images, and video on this site are owned by us or used with permission and are protected by intellectual property laws. You may view and share links to the site; all other rights are reserved.

7. Testimonials and reviews

Any client statement displayed is presented as that individual's own experience and is not a guarantee of any particular result. Individual results vary. Where a review appears with a Google Business Profile attribution, the review resides on Google and is subject to Google's terms. We do not pay for reviews; if a testimonial ever involves compensation or another material relationship, that fact will be disclosed alongside it.

8. Third-party links

The site links to third-party services such as Google Maps and our Google Business Profile. We do not control those services and are not responsible for their content or practices.

9. Disclaimers and limitation of liability

The site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost opportunity, arising from your use of or inability to use the site or reliance on its content. Nothing in these terms limits liability that cannot be limited under applicable law.

10. Changes, governing law, and disputes

We may update the site and these terms at any time; the effective date above will change. These terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Disputes will be brought in the state or federal courts located in Riverside County, California, unless applicable law provides otherwise.

11. Contact

Childress Financial Consultants LLC — (951) 447-8057 · kchildress@cigbh.com · Mon–Fri, 9am–6pm PT.