TERMS & CONDITIONS

NAFA Financial Consulting and Development (NFCD)
Last Updated: 03/16/2026

1. Introduction
Welcome to NAFA Financial Consulting and Development (NFCD). By accessing our services, website, or engaging with our representatives, you agree to comply with and be bound by these Terms and Conditions.
If you do not agree, please do not use our services.
2. Nature of Services
NFCD provides financial consulting services, including but not limited to:

• Life insurance solutions

• Annuities and retirement strategies

• Financial education and planning

• Business consulting and development

NFCD does not provide legal, tax, or accounting advice. Clients are encouraged to consult licensed professionals for those services.
3. Licensing & Representation
NFCD operates through licensed financial professionals in accordance with applicable state and federal regulations.

• All insurance products are offered through properly licensed agents

• Product availability varies by state and carrier

• Recommendations are based on client needs and financial objectives

4. No Guarantee of Results
Financial outcomes depend on multiple factors beyond NFCD’s control.
NFCD does not guarantee:

• Investment returns

• Insurance performance beyond contractual guarantees

• Financial outcomes or projections

5. Client Responsibilities
Clients agree to:

• Provide accurate and complete information

• Review all policy documents and disclosures

• Make informed decisions based on their financial situation

• Notify NFCD of any material changes

Failure to provide accurate information may affect eligibility or coverage.
6. Compensation Disclosure
NFCD and its agents may receive compensation from:

• Insurance carriers (commissions)

• Financial product providers

This compensation does not increase your premium cost unless disclosed otherwise.
7. Privacy & Data Protection
NFCD is committed to protecting your personal information.
We collect and use data to:

• Provide financial services

• Process applications

• Maintain client relationships

We do not sell personal information to third parties.
8. Electronic Communications
By using our services, you consent to receive:

• Emails

• Text messages

• Electronic documents

You may opt out at any time where applicable.
9. Third-Party Services
NFCD may refer clients to third-party providers.
NFCD is not responsible for:

• Third-party advice

• Services or outcomes

• External websites or platforms

10. Limitation of Liability
To the fullest extent permitted by law:
NFCD shall not be liable for:

• Indirect or consequential damages

• Financial losses due to market conditions

• Client decisions based on consultations

11. Compliance with Laws
Clients agree to comply with all applicable laws and regulations when using NFCD services.
12. Termination of Services
NFCD reserves the right to:

• Refuse or terminate service at its discretion

• End engagements for non-compliance or misconduct

Clients may terminate services at any time.
13. Intellectual Property
All NFCD materials, including:

• Branding

• Documents

• Training materials

are the property of NFCD and may not be copied or distributed without permission.
14. Changes to Terms
NFCD may update these Terms at any time.
Continued use of services constitutes acceptance of the updated Terms.
15. Governing Law
These Terms shall be governed by the laws of the State of South Carolina, United States.
16. Contact Information
For questions or concerns, contact:
NAFA Financial Consulting and Development (NFCD)
Email: nfcd@nafafinancialcd.com
Location: Columbia, South Carolina
17. Acknowledgment
By using NFCD services, you acknowledge that:

• You have read and understood these Terms

• You agree to be bound by them