Terms of Use

What this website is

This site is here to explain things. Read it, use the checklists, watch the videos, take the guides.

Please do not copy it wholesale, republish it, or scrape it. The words, the pictures and the Rhema name belong to Rhema Financial Solutions Inc.

What this website is not

It is not advice about your situation. Nothing here is personalised financial, tax, insurance or legal advice, because we have not met you and we do not know your circumstances.

Reading it does not make you a client. A client relationship starts when we both agree to it in writing, not when you fill in a form.

It is not an offer to sell you anything. Any actual product comes with its own contract, and that contract is what counts.

About insurance and annuities on this site

Products are offered through the insurance companies that issue them. Any guarantee depends on the financial strength and claims paying ability of the company that issued the contract.

Annuities and life insurance are not bank deposits. They are not insured by the FDIC or any federal agency. They are not guaranteed by any bank.

Fees, charges, surrender periods and limits vary from one contract to another. The contract and its disclosure document are the authority, not a page on a website.

About Be Your Own Bank

That phrase describes a way of using a life insurance policy. It is not a bank account and it is not banking. There is no FDIC insurance behind it.

It involves policy charges, interest on any loan you take, and the real risk that a policy lapses if it is not funded and managed properly. The page about it says all of that in plain words and we would rather you read it before anything else.

Examples and illustrations

Any figure, chart or example on this site is there to explain an idea. It is not a promise, a projection of your result, or a guarantee. Past performance does not predict what happens next.

Booking, forms and text messages

Nothing is booked through this site. A request goes to Dani, who contacts you to set a time. Forms are stored by our website host, Netlify. Text messages are covered by the SMS terms.

Do not send account numbers or Social Security numbers through any form on this site.

Other people's websites

We link to YouTube and to an event ticketing site, among others. We do not run those sites and we are not responsible for them. Their terms and their privacy policies are theirs.

Where we can do business

We can only arrange a contract for you in a state where we hold the right license. Ask about your state on the first call.

Limits

The site is provided as it is. To the extent the law allows, Rhema Financial Solutions Inc. is not liable for a loss arising from your use of it. Nothing here limits any right you have that cannot be limited.

Which law applies

These terms are governed by the laws of the Commonwealth of Virginia.

Changes

We may update these terms. The date at the top tells you when we last did.