Effective Date: April 15, 2025

Welcome to the website of DNA Insurance and DNA Financial Network (“DNA”, “we”, “us”, or “our”). By accessing or using our website (the “Site”), you agree to comply with and be bound by the following Terms of Service. Please read them carefully. If you do not agree with these terms, please do not use our Site.

Who We Are
DNA Insurance and DNA Financial Network is a trusted provider of insurance and financial solutions operating in the United States and Canada. We help individuals and families with personalized strategies in life insurance, retirement planning, and wealth protection.

Use of the Website
You agree to use this Site for lawful purposes only and in a way that does not infringe upon the rights of others or restrict or inhibit their use of the Site.
You may not:

• Use the Site to transmit any unlawful, harmful, defamatory, obscene, or otherwise objectionable content.

• Attempt to gain unauthorized access to any part of the Site or any systems or networks connected to the Site.

• Misrepresent your identity or affiliation with any person or entity.

No Professional Advice
The content on this Site is provided for general informational purposes only and does not constitute legal, financial, or insurance advice. For personalized advice, please contact one of our licensed advisors.

Availability and Accuracy
We strive to keep the information on this Site current and accurate. However, we do not guarantee the completeness, accuracy, or timeliness of any information and are not liable for any errors or omissions. Products, services, and availability may vary by province, state, or territory and are subject to applicable laws and regulations. Not all products or services are available in every jurisdiction.

Third-Party Links
Our Site may contain links to third-party websites. These links are provided for convenience only. We are not responsible for the content, accuracy, or privacy practices of these external sites.

Intellectual Property
All content on this Site, including text, graphics, logos, images, and software, is the property of DNA Insurance and DNA Financial Network or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on the Site without our express written permission.

Privacy
Your privacy is important to us. Please review our Privacy Policy for information on how we collect, use, and protect your personal data.

Limitation of Liability
To the maximum extent permitted by law, DNA Insurance and DNA Financial Network shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use the Site. This includes, but is not limited to, damages for errors, omissions, interruptions, defects, delays, computer viruses, loss of data, or unauthorized access.

Indemnification
You agree to indemnify and hold harmless DNA Insurance and DNA Financial Network, its affiliates, directors, officers, and employees from and against any claims, liabilities, damages, losses, or expenses arising out of your use of the Site or your violation of these Terms.

Jurisdiction and Governing Law
These Terms shall be governed by the laws of:

• The Province of Ontario and the federal laws of Canada, for users located in Canada.

• The State of Georgia and the federal laws of the United States, for users located in the U.S.

You agree to submit to the exclusive jurisdiction of the courts located within these jurisdictions.

Changes to These Terms
We may update these Terms of Service from time to time. Any changes will be posted on this page with a revised effective date. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

Contact Us
If you have any questions or concerns about these Terms, please contact us.