Terms of Service
Last Updated May 9, 2026
1. Acceptance of Terms
By accessing or using harborpointfp.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please discontinue use of the Site immediately. These Terms apply to all visitors, leads, and clients who access or use the Site.
2. About Our Services
Harbor Point Financial provides personalized financial planning, wealth strategies, life insurance, annuities, and asset protection services. The content on this Site is for informational purposes only and does not constitute financial, legal, or tax advice. Always consult a qualified professional before making financial decisions.
3. No Guarantee of Results
Financial products and strategies, including Indexed Universal Life (IUL) insurance and annuities, involve risk. Past performance does not guarantee future results. Any information provided on this Site is general in nature and may not be suitable for your individual situation.
4. Intellectual Property
All content on this Site — including text, graphics, logos, and images — is the property of Harbor Point Financial and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use any content without our prior written permission.
5. User Conduct
When using this Site, you agree not to:
Submit false or misleading information through any contact or lead form
Attempt to gain unauthorized access to any part of the Site
Use the Site for any unlawful or fraudulent purpose
Transmit spam, malware, or any harmful content
6. Third-Party Links
Our Site may contain links to third-party websites for your convenience. Harbor Point Financial does not endorse or control those sites and is not responsible for their content, accuracy, or privacy practices.
7. Contact Forms & Lead Submissions
By submitting your information through any form on this Site, you consent to being contacted by Harbor Point Financial via phone, email, or text message regarding our services. You may opt out of communications at any time by contacting us directly.
8. Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
9. Limitation of Liability
To the fullest extent permitted by law, Harbor Point Financial shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use this Site or its content.
10. Indemnification
You agree to indemnify and hold harmless Harbor Point Financial, its owners, employees, and agents from any claims, damages, or expenses arising out of your use of the Site or violation of these Terms.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of New Mexico, without regard to its conflict of law provisions. Any disputes shall be resolved in the appropriate courts located in New Mexico.
12. Changes to These Terms
We reserve the right to update these Terms at any time. Changes will be reflected by updating the "Last Updated" date above. Continued use of the Site after changes constitutes your acceptance of the revised Terms.
13. Contact Us
If you have questions about these Terms, please contact us:
Harbor Point Financial Website: harborpointfp.com
Email: eli.97zamora@gmail.com