Welcome to the Services and Products Policy of Empresario Capital Group, LLC ("Empresario," "we," "us," or "our"), a Florida company. This policy outlines the terms and conditions governing our offerings of life insurance products and investment services through theempresario.com and empresario.us (collectively, the "Websites").

For questions or concerns regarding this policy, please contact us at legal@theempresario.com.

Last Updated: March 25, 2025

Our Services and Products

Empresario Capital Group, LLC provides life insurance products and investment services designed to meet your financial planning and security needs. These offerings include, but are not limited to:

- Life Insurance Products: Policies such as term life, whole life, and universal life insurance, intended to provide financial protection for you and your beneficiaries.

- Investment Services: Options such as mutual funds, annuities, and other investment vehicles aimed at growing your wealth over time.

Availability and Eligibility

Our life insurance products and investment services are available to eligible individuals and entities residing in jurisdictions where we are licensed to operate. Eligibility is subject to underwriting approval, applicable laws, and your specific financial circumstances. Not all products or services may be available in all areas.

No Guarantee of Performance

While we strive to offer high-quality life insurance and investment options, we do not guarantee specific financial outcomes or returns. Investment values may fluctuate due to market conditions, and past performance is not indicative of future results. Life insurance benefits are subject to the terms of each policy.

Purchasing Our Products and Services

To purchase life insurance products or investment services, you may need to complete an application process, provide necessary documentation, and meet eligibility criteria. All transactions are subject to our approval and compliance with Florida and federal regulations. Details of your purchase, including premiums, fees, and terms, will be provided in the applicable contracts or agreements.

Risks and Disclosures

Life insurance products and investments carry inherent risks:

- Life Insurance: Policies may involve premium payments, potential lapses if payments are missed, and varying benefit amounts based on policy terms.

- Investments: These are subject to market risk, including the possible loss of principal. Additional risks may include interest rate changes, inflation, and economic conditions.

We encourage you to review all product documentation and consult with a financial advisor before making decisions.

Fees and Costs

Our life insurance products may include premiums, administrative fees, or other charges, as outlined in your policy. Investment services may involve management fees, transaction costs, or expense ratios, detailed in the investment agreements. All fees will be disclosed prior to purchase.

Cancellations and Refunds

Life insurance policies may offer a free-look period (typically 10-30 days, as required by Florida law) during which you can cancel and receive a refund of premiums paid, subject to policy terms. Investment cancellations or withdrawals may be subject to market conditions, penalties, or fees, as specified in your investment contract.

Regulatory Compliance

As a Florida company, we operate under the oversight of the Florida Office of Insurance Regulation for life insurance products and comply with applicable securities laws for investments, including regulations from the U.S. Securities and Exchange Commission (SEC) where relevant. All offerings meet state and federal standards.

Limitation of Liability

Empresario Capital Group, LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our life insurance products or investment services, beyond what is required by law. Our liability is limited to the extent of premiums or investments paid, as applicable.

Governing Law

This Services and Products Policy is governed by the laws of the State of Florida, USA, without regard to its conflict of law principles. Any disputes related to this policy shall be resolved in the state or federal courts located in Florida.

Changes to This Policy

We may update this policy to reflect changes in our offerings, legal requirements, or business practices. Updates will be posted on this page with a revised "Last Updated" date. Your continued engagement with our services after such changes indicates your acceptance of the updated policy.

Contact Us

If you have any questions, concerns, or requests regarding this Services and Products Policy, please reach out to us at legal@theempresario.com.

Thank you for choosing Empresario Capital Group, LLC for your life insurance and investment needs. We are proud to serve you as a Florida-based company.