Terms of Use

Last Updated: June 2026

Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Educational Purpose

The content on this website is provided for educational and informational purposes only. It is not intended to be, and should not be construed as, financial, tax, legal, or investment advice. You should consult with qualified professionals before making any financial decisions.

No Guarantee of Results

Past performance is not indicative of future results. Any illustrations, projections, or examples on this website are hypothetical and do not guarantee specific outcomes. Insurance and annuity guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.

Insurance Products Disclaimer

Insurance products, including annuities and life insurance, are: Not deposits. Not insured by the FDIC or any federal government agency. Not guaranteed by a bank or any bank affiliate. May lose value. Not a bank deposit. Products and availability may vary by state.

Licensing

Sonya Vargas is a licensed insurance representative in the state of California (License #4250742). Products and services offered through this website may not be available in all states.

Third-Party Links

This website may contain links to third-party websites, including scheduling services (Calendly). We are not responsible for the content, privacy practices, or availability of these external sites.

Limitation of Liability

To the fullest extent permitted by law, Sonya Vargas and affiliated parties shall not be liable for any damages arising from the use or inability to use this website or its content.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes take effect immediately upon posting. Your continued use of the website constitutes acceptance of any modifications.

Contact

For questions about these Terms of Use, contact Sonya Vargas at [email protected].