Terms of Service
Effective Date: October 23, 2025

Welcome to Money Tree Tax and Insurance Strategies, a branch of ERB Enterprises LLC (“Company,” “we,” “us,” or “our”). By accessing or using our website, forms, services, or communications, you agree to these Terms of Service. Please read them carefully.

1. Services
We provide insurance and financial consultation services, including education on tax strategies, annuities, and other financial planning solutions. All services are provided based on information you share with us. Results are not guaranteed and depend on your individual circumstances.

2. Eligibility
You must be at least 18 years old to use our services. By using our services, you represent that you meet this age requirement.

3. Use of Our Services
You agree to use our services for lawful purposes only and not to submit false, misleading, or fraudulent information. You may not use our platform to infringe on others’ rights or disrupt service operations.

4. Communication and Consent
By providing your email or phone number, you consent to receive communications from us, including marketing messages, service updates, and information related to your inquiry. You may opt out of marketing communications at any time.

5. Intellectual Property
All content on our website, including text, graphics, logos, and downloadable resources, is the property of the Company or its licensors. You may not copy, reproduce, or distribute any content without our written permission.

6. Limitation of Liability
Our services are provided “as is” and for informational purposes only. We are not responsible for any financial or tax decisions you make based on our services. To the maximum extent permitted by law, we disclaim liability for any direct, indirect, or consequential damages resulting from your use of our services.

7. Third-Party Services
We may use third-party tools (e.g., Lead Connector, Twilio) to provide services or communicate with you. Their terms and privacy practices also apply, and we are not responsible for third-party actions.

8. Changes to Terms
We may update these Terms of Service at any time. The “Effective Date” reflects the latest version. Your continued use of our services constitutes acceptance of any updates.

9. Governing Law
These Terms are governed by the laws of the Commonwealth of Virginia, without regard to its conflict of laws principles.

10. Contact Us

If you have questions about these Terms of Service, please contact us at:

Money Tree Tax and Insurance Strategies
A branch of ERB Enterprises LLC
Williamsburg, Virginia
Email: [email protected]