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By using services provided by Ragan Williams Agency (including consultations, policy reviews, and planning resources), you agree to the following terms and conditions:

1. Information Provided: The materials and information provided by Ragan Williams Agency, whether in print, in person, or online, are for educational and informational purposes only and are not a substitute for legal, tax, or financial advice. We recommend you consult with appropriate professionals for your unique needs.

2. Accuracy of Information: While we strive to ensure the accuracy and timeliness of all materials, Ragan Williams Agency makes no guarantees or warranties regarding completeness or suitability for your individual situation.

3. Use of Materials: All materials, forms, and resources are for your personal use only. You may not reproduce, distribute, or sell these materials without written permission from Ragan Williams Agency.

4. Limitation of Liability: Ragan Williams Agency is not liable for any loss, injury, or damages arising from your use of our services, materials, or advice.

5. Changes to Terms: We may update these terms and our privacy policy at any time. The most current version will always be available upon request.

By continuing to use our services, you acknowledge that you have read, understood, and agree to these terms.