Terms and Conditions

Last Updated: January 2026

1. Acceptance of Terms

By accessing or using this website (the "Website"), you agree to be bound by these Terms and Conditions and all applicable laws and regulations. If you do not agree with these Terms, you should not access or use this Website.

These Terms apply to all visitors, users, and others who access the Website.

2. Informational and Educational Purposes Only

All information provided on this Website is intended for general informational and educational purposes only.

The content on this Website does not constitute financial, investment, legal, tax, or professional advice. Nothing on this Website should be interpreted as a recommendation, solicitation, or offer to buy, sell, or hold any financial product, security, insurance product, or investment.

Visitors should consult qualified professionals before making financial decisions.

3. Financial Education Disclaimer

Content on this Website may include general financial concepts, commentary, or educational materials.

Such content is provided solely for informational purposes and does not take into account your individual financial circumstances, objectives, or risk tolerance.

Educational content should not be relied upon as a substitute for professional advice.

4. No Client Relationship

Use of this Website does not create a client relationship, advisory relationship, fiduciary relationship, or professional services agreement between you and Berkley Financial Group.

Communications through this Website, including contact forms or email links, do not establish a professional relationship unless confirmed through a separate written agreement.

5. Marketing and Promotional Communications

This Website may contain descriptions of services, capabilities, or general information about financial topics.

Such descriptions are provided for general informational purposes only and should not be interpreted as guarantees of financial outcomes, performance, or investment results.

Any illustrative examples, strategies, or scenarios described are hypothetical and may not reflect actual results.

6. No Guarantee of Results

Any examples, illustrations, or discussions of financial strategies presented on this Website are provided for informational purposes only.

Financial outcomes depend on numerous factors including market conditions, economic conditions, and individual financial decisions.

Past performance, examples, or illustrations do not guarantee future results.

7. Referral and Third Party Services

Berkley Financial Group may provide information about or refer visitors to third party professionals, service providers, or organizations.

These third parties operate independently and are not controlled by Berkley Financial Group.

Berkley Financial Group does not assume responsibility for the advice, services, or products provided by third parties.

8. Licensing and Regulatory Status

Nothing on this Website should be interpreted as representing that Berkley Financial Group is licensed to provide financial, investment, insurance, legal, or tax advisory services in any jurisdiction unless expressly stated.

Services described on the Website may not be available in all jurisdictions.

Users are responsible for ensuring that any services they pursue comply with applicable laws and regulatory requirements.

9. Accuracy of Information

Berkley Financial Group attempts to ensure that information on the Website is accurate and current. However, the Website and its content are provided on an "as is" basis.

Berkley Financial Group makes no warranties regarding the completeness, reliability, or accuracy of information on the Website.

Information may be modified, updated, or removed without notice.

10. Third Party Links

The Website may contain links to third party websites or services.

These links are provided solely for convenience. Berkley Financial Group does not control, endorse, or assume responsibility for the content, policies, or practices of any third party websites.

Users access third party websites at their own risk.

11. Intellectual Property

All content on this Website, including text, graphics, logos, images, branding, and design, is the property of Berkley Financial Group or its licensors and is protected by applicable intellectual property laws.

No content may be reproduced, distributed, modified, or published without prior written permission.

Users may access Website content solely for personal and non commercial use.

12. Acceptable Use

Users agree not to use the Website in a manner that violates any applicable law or regulation.

Prohibited activities include:

attempting unauthorized access to systems or data
introducing malware or malicious software
engaging in fraudulent or deceptive activities
interfering with the Website's operation or security

13. Brand and Affiliation Disclaimer

Berkley Financial Group is an independent organization.

Nothing on this Website should be interpreted as implying affiliation, partnership, endorsement, or association with any other company, insurance carrier, financial institution, or organization unless explicitly stated.

Any similarity in name to other entities is not intended to imply affiliation.

14. Limitation of Liability

To the fullest extent permitted by law, Berkley Financial Group and its owners, officers, employees, contractors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of the Website.

This includes damages related to reliance on Website information, errors in content, interruptions in Website availability, or unauthorized access to systems.

15. Indemnification

You agree to indemnify and hold harmless Berkley Financial Group and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, or expenses arising out of your use of the Website or violation of these Terms.

16. Website Availability

Berkley Financial Group does not guarantee that the Website will be available at all times or free from interruptions or errors.

The Website may be modified, suspended, or discontinued at any time without notice.

17. Dispute Resolution

Any dispute arising out of or relating to these Terms or the use of the Website shall first be attempted to be resolved through good faith negotiation.

If a dispute cannot be resolved informally, the parties agree that the dispute shall be resolved through binding arbitration in the State of New York in accordance with the rules of the American Arbitration Association.

Each party shall bear its own legal fees unless otherwise required by law.

18. Class Action Waiver

To the fullest extent permitted by law, users agree that any claims arising out of or relating to these Terms or the use of the Website shall be brought individually and not as part of a class action, collective action, or representative proceeding.

19. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of New York.

Any disputes not subject to arbitration shall be brought exclusively in the state or federal courts located within the State of New York.

20. Changes to Terms

Berkley Financial Group reserves the right to modify these Terms at any time.

Updated Terms will be posted on the Website and will become effective upon posting.

21. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

Berkley Financial Group
barry@berkleyfinancialgroup.com