Website Terms and Conditions of Use

Last updated: January 2026

Acceptance of terms

These Website Terms and Conditions of Use (“Terms”) govern your access to and use of the website located at https://www.outperform-financial.com and any related pages, content, features, or services that link to these Terms (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms and by any additional terms, disclosures, or agreements that may apply to specific sections of the Site or to products and services offered through the Site. If you do not agree to these Terms, you must not use the Site.

About Outperform Financial

The Site is operated by Outperform Financial and Insurance Services (“Outperform Financial,” “we,” “us,” or “our”), a California‑licensed insurance agency (License No. 6018216).

Outperform Financial provides insurance and related financial services through licensed agents and approved insurance carrier partners; however, the information on the Site is provided for general informational and marketing purposes only and does not amend, modify, or form part of any policy, contract, or agreement.

No professional advice or offer of coverage

The content on the Site is for general informational purposes only and is not intended to constitute professional advice, including but not limited to insurance, financial, tax, legal, or investment advice.

You should not act or refrain from acting based solely on any information obtained from the Site and should consult with appropriate professionals regarding your particular circumstances and needs.

Nothing on the Site constitutes an offer to sell or a solicitation of an offer to buy any insurance product or financial service in any jurisdiction where such offer or solicitation would be unlawful or where Outperform Financial or its agents are not properly licensed.

Licensing and jurisdictional limitations

Outperform Financial is licensed as an insurance agency in California and may hold additional licenses in other jurisdictions as applicable from time to time.

The Site may be viewed internationally; however, the insurance products and services described on the Site are not available in all jurisdictions, and no representation or warranty is made that the content or materials on the Site are appropriate or permitted for use in any location outside the jurisdictions in which Outperform Financial is properly licensed and authorized.

If you access the Site from outside those jurisdictions, you are responsible for compliance with all local laws and regulations that may apply.

Eligibility and user responsibilities

By using the Site, you represent and warrant that:

You are at least the age of majority in your jurisdiction of residence and have the legal capacity to enter into binding agreements.
You will use the Site in accordance with these Terms and all applicable laws and regulations.

You are responsible for maintaining the confidentiality of any login or account credentials associated with the Site (if applicable) and for all activities that occur under your credentials. You agree to immediately notify Outperform Financial of any unauthorized use of your account or any other breach of security.

Privacy and data protection

Your use of the Site is also subject to Outperform Financial’s Privacy Policy, which describes how personal information is collected, used, disclosed, and safeguarded in connection with the Site and our services.

By using the Site, you acknowledge that you have reviewed the Privacy Policy and understand how your information may be handled in accordance with that policy and applicable law.

Permitted and prohibited uses

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Site in any way that violates any applicable federal, state, or local law or regulation.
Use the Site to send, knowingly receive, upload, download, or otherwise transmit any material that is unlawful, defamatory, obscene, offensive, infringing, deceptive, or otherwise objectionable.
Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity in connection with the Site.
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of the Site, any server, or databases connected to the Site.
Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission, except for standard search engine indexing.
Introduce any viruses, Trojan horses, worms, logic bombs, or other malicious or technologically harmful material.

Outperform Financial reserves the right, in its sole discretion and without notice, to terminate or restrict your access to the Site if it believes you are violating these Terms or engaging in harmful or unauthorized activity.

Intellectual property rights

The Site and all of its content, features, and functionality - including but not limited to text, graphics, logos, icons, images, audio and video clips, data compilations, software, and the design, selection, and arrangement thereof - are owned by Outperform Financial, its licensors, or other providers of such material and are protected by copyright, trademark, and other intellectual property laws.

Outperform Financial and associated names, logos, and service marks used on the Site are trademarks or service marks of Outperform Financial or its affiliates. Third‑party names, logos, and marks are the property of their respective owners and are used on the Site with permission or under applicable law.

You are granted a limited, non‑exclusive, non‑transferable, revocable license to access and use the Site for your personal, non‑commercial use, subject to these Terms. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material on the Site except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
You may store files that are automatically cached by your web browser for display enhancement purposes.
You may print or download one copy of a reasonable number of pages of the Site for your own personal, non‑commercial use, and not for further reproduction, publication, or distribution.

Any other use of the Site or its content requires the prior written consent of Outperform Financial or the applicable rights holder.

Third‑party content and links

The Site may contain links to third‑party websites, content, tools, or resources that are not owned or controlled by Outperform Financial, including websites of insurance carriers, financial institutions, marketing partners, and social media platforms.

These links are provided for your convenience only and do not constitute an endorsement, sponsorship, or recommendation by Outperform Financial of the third parties or their products, services, or content. Outperform Financial has no control over, and is not responsible or liable for, the content, privacy policies, or practices of any third‑party websites or services.

Online tools, forms, and calculators

The Site may include tools such as quote request forms, contact forms, newsletters, event registrations, or other interactive features. Any information you submit through those tools is provided voluntarily and may be used by Outperform Financial in accordance with these Terms and the Privacy Policy.

To the extent the Site provides calculators, estimators, or similar tools, any outputs or results are for illustrative and educational purposes only and are not guarantees of coverage, premium levels, or future performance. Any such tools are based on assumptions and inputs you provide and may not reflect all relevant factors for your situation.

No guarantee of quotes, coverage, or outcomes

Submitting information through the Site, requesting a quote, or communicating with Outperform Financial does not guarantee that you will receive a quote, be offered coverage, or obtain any specific insurance or financial product.

All insurance applications are subject to the underwriting guidelines, rules, and decisions of the individual insurance carriers, and coverage may be declined or modified by carriers in their sole discretion. Policy terms, coverage features, and availability may vary by state, carrier, and product.

Disclaimers of warranties

The Site and all content, materials, information, and services available through the Site are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied.

To the fullest extent permitted by law, Outperform Financial disclaims all warranties, express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, title, non‑infringement, and any warranties arising out of course of dealing or usage of trade.

Without limiting the foregoing, Outperform Financial does not warrant that the Site will be uninterrupted, secure, error‑free, or free of viruses or other harmful components, or that any defects will be corrected, or that any information obtained through the Site will be accurate, complete, current, or reliable.

Limitation of liability

To the fullest extent permitted by law, in no event will Outperform Financial, its affiliates, officers, directors, employees, agents, or representatives be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising out of or in connection with:

Your access to, use of, or inability to use the Site.
Any errors or omissions in the content of the Site.
Any unauthorized access to or use of the Site or any transmission to or from the Site.
Any third‑party websites or services linked to or referenced from the Site.

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other legal theory, even if Outperform Financial has been advised of the possibility of such damages.

To the extent any jurisdiction does not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, some of the above limitations may not apply; in such cases, Outperform Financial’s aggregate liability for damages in connection with the Site will be limited to the maximum extent permitted by applicable law.

Indemnification

You agree to indemnify, defend, and hold harmless Outperform Financial, its affiliates, officers, directors, employees, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with:

Your use of or access to the Site.
Your violation of these Terms.
Your infringement or violation of any rights of another person or entity, including intellectual property or privacy rights.

Outperform Financial reserves the right to assume the exclusive defense and control of any matter subject to indemnification, and in such case you agree to cooperate fully with any reasonable requests to assist such defense.

Changes to the Site and to these Terms

Outperform Financial may update, modify, or discontinue any part of the Site at any time, with or without notice.

Outperform Financial may also revise or update these Terms from time to time. When changes are made, the updated Terms will be posted on the Site with a revised “Last Updated” date. Your continued use of the Site after the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Site.

Compliance with law and regulatory disclosures

Outperform Financial strives to comply with applicable federal and state laws, regulations, and insurance‑specific rules governing advertising, disclosures, and consumer communications, including requirements of the California Department of Insurance and other regulatory authorities.

Additional legal notices, disclaimers, or disclosures may appear on particular pages of the Site and are incorporated by reference into these Terms. If there is any conflict between these Terms and any specific disclosure on a particular page, the more specific disclosure may control for that content.

Governing law and dispute resolution

These Terms and your use of the Site are governed by the laws of the State of California, without giving effect to any choice‑of‑law or conflict‑of‑law provisions that would cause the laws of any other jurisdiction to apply.

Any dispute, claim, or controversy arising out of or relating to the Site or these Terms will be brought exclusively in the state or federal courts located in California, and you consent to the personal jurisdiction of such courts and waive any objection based on improper venue or forum non conveniens, to the extent permitted by law.

Severability and waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision will be enforced to the fullest extent permitted by law, and the remaining provisions will continue in full force and effect.

No waiver by Outperform Financial of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of Outperform Financial to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

Contact information

If you have questions about the Site or these Terms, you may contact:

Outperform Financial and Insurance Services
Website: https://www.outperform-financial.com
Telephone: (626) 563‑9537
Email: info@outperform-financial.com

For privacy‑specific matters, please refer to our Privacy Policy.