Terms of use.
The rules for using this site, and the limits of what it is.
Last updated: 7 August 2026
This document was drafted to match how the site actually operates today. It has not been reviewed by counsel. Requirements vary by state and by the regulations that apply to annuity and insurance businesses. Have an attorney review it before you rely on it.
What this site is
Palm Wealth Capital publishes independent educational content about annuities and retirement income, and offers free reviews for people considering them. By using this site you agree to these terms.
Not financial, tax, or legal advice
Everything on this site is general educational information. It is not investment advice, tax advice, or legal advice, and it is not a recommendation to buy or sell any financial product. It doesn't account for your circumstances, because it can't.
Palm Wealth Capital is not a registered investment advisor. Before acting on anything here, consult a licensed professional who knows your situation.
Annuity products carry risk
Annuities are long-term contracts with real trade-offs. Guarantees depend entirely on the financial strength and claims-paying ability of the issuing insurance company. Surrender charges, fees, caps, spreads, and withdrawal restrictions vary by contract and by state. Read your own contract. Past performance does not predict future results.
Accuracy
We work to keep content accurate and current, and we date material that changes. Rates, ratings, and product terms move constantly and may be out of date by the time you read them. Verify anything material with the carrier directly before acting on it.
Third-party links
We link to carriers, rating agencies, and regulators for your convenience. We don't control those sites and aren't responsible for their content or their privacy practices.
No relationship created
Reading this site, submitting a question, or booking a review does not by itself create an advisory, fiduciary, or client relationship. Any such relationship would be established separately and in writing.
Your use of the site
Don't use this site unlawfully, don't attempt to disrupt it, don't scrape it at scale, and don't reproduce substantial portions of the content without permission. Content on this site is our property or used with permission.
Limitation of liability
The site is provided "as is" without warranties of any kind. To the fullest extent the law allows, Palm Wealth Capital is not liable for any loss arising from your use of this site or reliance on its content.
Changes
We may update these terms. Continued use after a change means you accept the updated version.
Governing law
These terms are governed by the laws of the State of Florida.
Contact
Palm Wealth Capital
800 Harbour Post Dr, Tampa, FL 33602
palmwealthcapital@gmail.com