Effective Date: June 24, 2026

Welcome to NG Wealth LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, products, and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.

1. Company Information

NG Wealth LLC

Contact: Nicholas Geyer

Phone: 412-584-6587

Email: [email protected]

NPN: 20210736

2. Eligibility

You must be at least eighteen (18) years of age and legally capable of entering into binding agreements to use our services.

By using this website, you represent and warrant that you meet these eligibility requirements.

3. Services

NG Wealth LLC provides insurance-related services, including but not limited to:

Life Insurance Consultation

Insurance Product Information

Policy Reviews

Insurance Quotes

Appointment Scheduling

Customer Support

Educational Resources

Other insurance-related consulting services

The information provided on this website is for general informational purposes only and should not be considered legal, financial, or tax advice.

4. No Guarantee of Coverage

Submission of an inquiry, request form, or appointment request does not guarantee:

Insurance approval

Coverage eligibility

Premium rates

Policy issuance

Specific insurance products

Insurance approval and coverage remain subject to underwriting guidelines and the policies of the insurance carrier.

5. User Responsibilities

You agree to:

Provide accurate, current, and complete information.

Update your information when necessary.

Use this website only for lawful purposes.

Not submit false or misleading information.

Not interfere with the operation or security of this website.

6. Intellectual Property

All content available on this website, including text, graphics, logos, images, documents, and other materials, is the property of NG Wealth LLC or its licensors and is protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, publish, or commercially exploit any website content without prior written permission.

7. SMS Communications

By providing your mobile phone number and affirmatively opting in through our website or forms, you consent to receive SMS (text) messages from NG Wealth LLC.

SMS consent is optional and is not a condition of purchasing any insurance product or service.

Messages may include:

Appointment confirmations

Appointment reminders

Inquiry follow-ups

Customer support communications

Insurance-related updates

Marketing or promotional messages (only where separately authorized)

Message frequency may vary.

Message and data rates may apply.

To stop receiving text messages, reply STOP to any SMS message at any time.

For assistance, reply HELP or contact us at:

Phone: 412-584-6587

Email: [email protected]

Carriers are not liable for delayed or undelivered messages.

Submitting a form without checking an SMS consent box does not constitute consent to receive text messages.

Customer-care SMS consent and marketing SMS consent are separate and independent.

8. Email Communications

By providing your email address, you agree to receive communications regarding:

Appointment confirmations

Responses to inquiries

Insurance-related updates

Customer support

Marketing communications where permitted by law

You may unsubscribe from promotional emails at any time by using the unsubscribe link contained in the email.

9. Privacy

Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect your personal information.

10. Third-Party Services

Our website may use third-party service providers, including:

CRM platforms

SMS messaging providers

Email service providers

Website hosting providers

Analytics providers

Appointment scheduling software

We are not responsible for the privacy practices or content of third-party services.

11. Disclaimer

All information provided on this website is offered on an "as is" and "as available" basis.

NG Wealth LLC makes no warranties, express or implied, regarding:

Website availability

Accuracy of information

Fitness for a particular purpose

Non-infringement

Insurance products are subject to carrier approval, underwriting, policy terms, exclusions, and applicable laws.

12. Limitation of Liability

To the fullest extent permitted by law, NG Wealth LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services.

Our total liability for any claim related to our website or services shall not exceed the amount, if any, that you paid directly to NG Wealth LLC for the specific service giving rise to the claim.

13. Indemnification

You agree to defend, indemnify, and hold harmless NG Wealth LLC, its owners, employees, contractors, affiliates, and representatives from any claims, damages, liabilities, losses, or expenses arising from:

Your use of this website.

Your violation of these Terms.

Your violation of applicable laws.

Your infringement of any third-party rights.

14. Suspension or Termination

We reserve the right to suspend or terminate your access to this website or our services if you:

Violate these Terms.

Provide false or misleading information.

Engage in unlawful activity.

Misuse our website or services.

15. Changes to These Terms

NG Wealth LLC may update these Terms of Service at any time.

Changes will become effective immediately upon posting on this website with an updated Effective Date.

Your continued use of our website or services constitutes acceptance of the revised Terms.

16. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles.

Any legal action arising under these Terms shall be brought exclusively in the appropriate state or federal courts located in Pennsylvania.

17. Contact Information

If you have any questions regarding these Terms of Service, please contact us:

NG Wealth LLC

Contact: Nicholas Geyer

Phone: 412-584-6587

Email: [email protected]

NPN: 20210736