Effective Date: 02/01/2025

Welcome to simpletw.org, operated by Overflow Finance & Insurance (“Company”, “we”, “us”, or “our”). By accessing or using our website and services, you agree to be bound by these Terms of Use. If you do not agree to these Terms, please do not use our site.​

1. Use of Our Services

Our website provides information about financial products and services including retirement, insurance, and estate planning solutions. You agree to use our site only for lawful purposes and not to misuse or attempt to disrupt our services.​

2. Eligibility

You must be at least 18 years old to use our services. By using the site, you represent and warrant that you meet this requirement.​

3. No Financial Advice

All content is for informational purposes only and does not constitute financial, legal, or investment advice. You should consult with a licensed professional before making financial decisions.​

4. Intellectual Property

All content, trademarks, logos, and materials on this site are the property of Overflow Finance & Insurance or its licencors. You may not reproduce, distribute, modify, or create derivative works without our written permission.​

5. Third-Party Links

Our site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these external sites. Accessing third-party links is at your own risk.​

6. Limitation of Liability

To the fullest extent permitted by law, Simple Trust & Wills, Overflow Finance & Insurance or Skyline Solutions Group shall not be liable for any damages arising from your use of our site or services, including but not limited to financial loss, data breaches, or service interruptions.​

7. Privacy

Your use of our site is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.​

8. User Accounts and Authentication

If you create an account or submit an application, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. We reserve the right to suspend or terminate accounts for suspicious or unauthorized activity.​

9. Submission of Information

By submitting information through our site, you represent that it is accurate and complete. We may use this information to evaluate your eligibility for financial products or services. Misrepresentation may result in denial of service or legal action.​

10. Disclaimer of Warranties

Our services are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not guarantee that our site will be error-free, uninterrupted, or secure. ​

11. Indemnification

You agree to indemnify, defend, and hold harmless Simple Trust & Wills, Overflow Finance & Insurance, Skyline Solutions Group and its affiliates, officers, and employees from any claims, liabilities, damages, or expenses arising from your use of the site or violation of these Terms.​

12. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Clay County, Florida.​

13. Termination of Access

We reserve the right to terminate or suspend your access to the site at our sole discretion, without notice, for conduct that violates these Terms or is otherwise harmful to our interests.​

14. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Continued use of the site after changes constitutes your acceptance of the revised Terms.​

By using overflowfi.com, you acknowledge that you have read, understood, and agreed to these Terms of Use.