Legal Information

Terms of Service

Brun Densy Financial Services

Last Updated: December 2024

1. Introduction

Welcome to the website of Densy Brun ("we," "us," or "our"). This website is operated by Densy Brun, a licensed agent representing Primerica.

By accessing or using this website (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use this Site.

Please read these Terms carefully before using our services or submitting any personal information through this Site.

2. Affiliation Statement

Important Disclosure

Densy Brun is a licensed captive agent who works exclusively for and represents Primerica. Primerica is the official provider of all financial products and services offered through this agent.

This website is a personal online presence maintained by Densy Brun to provide general financial education and consultation services. This Site is not owned, operated, or controlled by Primerica.

Primerica is not responsible for the content, opinions, or representations expressed on this personal website. Any official product information, applications, or contractual agreements will be provided through Primerica's approved channels and official documentation.

3. Use of Website

By using this Site, you agree to the following rules and restrictions:

Permitted Use

• You may access and use this Site for lawful purposes only
• You may view content for personal, non-commercial informational purposes
• You may submit inquiries or book consultations through provided forms

Prohibited Actions

You agree NOT to:

• Use the Site for any unlawful or fraudulent purpose
• Attempt to gain unauthorized access to any portion of the Site
• Transmit any harmful code, viruses, or malicious software
• Copy, reproduce, or distribute content without permission
• Harass, abuse, or harm any person through this Site
• Impersonate any person or entity

Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no warranties or representations about the completeness, accuracy, or reliability of any content on this Site. You are responsible for verifying any information before relying on it.

4. Consultation Services

Consultations offered through this Site may include financial education, guidance, and discussion of services and products available through Primerica. These consultations are designed to help you understand your financial options and goals.

Nature of Consultations

• Consultations are educational and informational in nature
• They may include discussion of Primerica financial products and services
• No guaranteed outcomes or specific financial results are promised

Important Notice

Consultations do NOT constitute investment advice, tax advice, or legal advice. You should consult with qualified professionals (such as tax advisors, attorneys, or independent financial advisors) for specific guidance tailored to your individual circumstances.

Any formal financial services, applications, or contractual agreements will be conducted through official Primerica channels and subject to Primerica's terms and conditions.

5. Financial Disclaimer

All content provided on this Site is for general financial education purposes only. It should not be construed as personalized financial, investment, tax, or legal advice.

Key Disclaimers

• Educational Content Only: Information on this Site is intended for general educational purposes and does not take into account your individual financial situation, goals, or risk tolerance
• Official Product Information: Any official product details, terms, conditions, and pricing come from Primerica's approved materials and official documentation
• No Guarantees: Past performance, hypothetical scenarios, or educational examples do not guarantee future results
• Professional Consultation Required: Users must rely on licensed agents and official Primerica documentation before making any financial decisions

Financial decisions should only be made after thorough consultation with a licensed professional and careful review of all applicable terms, conditions, and disclosures provided by Primerica.

6. Client Responsibilities

When using this Site or booking consultations, you agree to:

• Provide accurate and complete information when submitting inquiries, booking consultations, or filling out any forms
• Update your contact information if it changes
• Be truthful and forthcoming in all communications
• Maintain the confidentiality of any personal login credentials (if applicable)
• Notify us immediately of any unauthorized use of your information

7. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Densy Brun or its content suppliers and is protected by applicable intellectual property laws.

Website Content Ownership

Personal website content, including original text, design elements, and branding created by Densy Brun, is owned by Densy Brun. You may not reproduce, distribute, modify, or create derivative works without express written permission.

Primerica-Owned Materials

Any Primerica trademarks, service marks, logos, or proprietary materials displayed on this Site remain the sole property of Primerica and are used with permission as a licensed agent.

Nothing on this Site grants you any right, title, or interest in Primerica's intellectual property. All rights to Primerica materials are expressly reserved by Primerica.

8. Third-Party Links & Primerica Resources

This Site may contain links to third-party websites, including official Primerica websites, resources, or other external platforms.

External Links Notice

• When you click on external links, you are leaving this personal website
• We do not control or endorse the content, privacy policies, or practices of third-party sites
• Links to Primerica's official resources are provided for your convenience and are subject to Primerica's own terms and conditions

No Liability: We are not responsible or liable for any content, products, services, or practices of third-party websites. Your use of external sites is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Densy Brun and this website shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Business interruption or financial losses
• Damages arising from your use or inability to use this Site
• Errors, omissions, or inaccuracies in content
• Unauthorized access to or use of our servers or personal information

This Site and its content are provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so the above limitations may not apply to you in full. In such cases, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Densy Brun, this website, and its affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use or misuse of this Site
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any false or misleading information you provide

11. Modifications to Terms

We reserve the right to modify, update, or change these Terms of Service at any time, at our sole discretion, without prior notice.

Any changes will be effective immediately upon posting the updated Terms on this Site. The "Last Updated" date at the top of this page will reflect the most recent revision.

Your continued use of this Site after any modifications constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically to stay informed of any changes.

If you do not agree with the modified Terms, you must discontinue use of this Site immediately.

12. Termination

We reserve the right to suspend or terminate your access to this Site, without notice, for any reason, including but not limited to:

• Violation of these Terms of Service
• Fraudulent, abusive, or unlawful activity
• Providing false or misleading information
• Any conduct we deem harmful to this Site or other users

Upon termination, your right to use this Site will immediately cease. Provisions of these Terms that by their nature should survive termination will remain in effect, including but not limited to disclaimers, limitations of liability, and indemnification.

13. Governing Law & Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the State of Ohio, United States, without regard to its conflict of law principles.

Any disputes arising out of or relating to these Terms or your use of this Site shall be resolved in the state or federal courts located in Ohio, and you consent to the exclusive jurisdiction and venue of such courts.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Densy Brun regarding your use of this Site and supersede all prior agreements and understandings, whether written or oral, relating to the subject matter herein.

15. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us:

Densy Brun - Brun Densy Financial Services

[email protected] 937-342-2005

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Thank you for visiting Brun Densy Financial Services