1. Services Provided
Labbato Retirement Network provides independent insurance advisory services for clients seeking retirement planning solutions. Our services include:
- Fixed Indexed Annuities
- Fixed Annuities
- Whole Life Insurance
- Term Life Insurance
- Final Expense Insurance
We work for our clients, not insurance carriers, to match you with the most suitable products for your retirement and legacy planning needs.
2. Use of Website and Content
The content on this website, including articles, product descriptions, and other materials, is provided for educational and informational purposes only. It is not intended as personalised financial, investment, or legal advice. You should consult with your own financial, legal, or tax advisor before making any financial decisions.
3. No Guarantee of Results
While we provide guidance based on your goals and preferences, we cannot guarantee investment returns, market performance, or specific outcomes from any insurance or annuity product. Market fluctuations, interest rates, and other factors may affect results. Terms like “income for life,” “deferred taxes,” or protection from “market downturns” are features of products, but actual benefits depend on the product terms and individual circumstances.
4. Client Responsibility
You agree to provide accurate and complete information when engaging with our services. We are not responsible for decisions made based on incomplete or inaccurate information provided by you.
5. Third-Party Links and Resources
Our website may contain links to third-party websites or resources. These links are provided for your convenience only. Labbato Retirement Network does not endorse, guarantee, or assume responsibility for the content, products, services, or practices of any linked website.
6. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Labbato Retirement Network or its content suppliers and is protected by U.S. and international copyright laws. You may not reproduce, distribute, modify, or use any materials without our written permission.
7. Limitation of Liability
To the maximum extent permitted by law, Labbato Retirement Network shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of our website, products, or services. This includes, but is not limited to, financial loss, lost profits, or damages resulting from reliance on information provided.
8. Indemnification
You agree to indemnify, defend, and hold harmless Labbato Retirement Network, its affiliates, officers, employees, and agents from any claims, damages, liabilities, or expenses arising from your use of our services or violation of these Terms & Conditions.
9. Changes to Terms
We reserve the right to update, modify, or revise these Terms & Conditions at any time without prior notice. Updates will be posted on this page, and your continued use of our website or services constitutes acceptance of the revised terms.
10. Governing Law
These Terms & Conditions are governed by and interpreted under the laws of the state in which Labbato Retirement Network operates. Any disputes arising from these terms or services will be resolved under applicable state or federal law.
11. Contact Information
If you have any questions regarding these Terms & Conditions, please contact us at:
Labbato Retirement Network
Email: carmen.labbato@gmail.com
Phone: 440-725-6480