Welcome to Libron-Duerme & Associates! These Terms & Conditions govern your use of our website and services. By accessing or using our website and services, you agree to comply with and be bound by these Terms & Conditions. If you do not agree with any part of these terms, please refrain from using our website and services.

1. Insurance and Retirement Services
   
   1.1 Libron-Duerme & Associates offers insurance and retirement planning services. We assist individuals and businesses in obtaining insurance coverage and creating retirement plans that suit their specific needs.
   
   1.2 Our services are subject to applicable laws and regulations. We strive to provide accurate and up-to-date information, but we cannot guarantee the completeness, accuracy, or timeliness of all information available on our website or provided as part of our services.

2. Privacy and Data Security
   
   2.1 Protecting your privacy and securing your personal information is important to us. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data.
   
   2.2 By using our website and services, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.

3. Intellectual Property
   
   3.1 All content on our website, including text, graphics, logos, images, videos, and software, is the property of Libron-Duerme & Associates or its licensors and is protected by intellectual property laws.
   
   3.2 You may not reproduce, distribute, modify, transmit, or use any of our copyrighted materials without our prior written consent.

4. Disclaimer of Liability
   
   4.1 Libron-Duerme & Associates strives to provide accurate and reliable information, but we make no warranties or representations about the completeness, accuracy, reliability, suitability, or availability of the information, products, or services offered on our website or through our services.
   
   4.2 We shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from your use or inability to use our website or services, including but not limited to damages for loss of profits, data, or goodwill.

5. Links to Third-Party Websites
   
   5.1 Our website may contain links to third-party websites or resources that are not under our control. We provide these links for convenience and do not endorse or assume any responsibility for the content, privacy practices, or actions of these third-party websites.
   
   5.2 Your use of third-party websites is subject to the terms and conditions and privacy policies of those websites. We recommend reviewing the terms and policies of any third-party website you visit.

6. Governing Law and Jurisdiction
   
   6.1 These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction where Libron-Duerme & Associates is located.
   
   6.2 Any dispute arising out of or in connection with these Terms & Conditions shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

7. Modifications and Updates
   
   7.1 We reserve the right to modify, update, or replace these Terms & Conditions at any time without prior notice.
   
   7.2 By continuing to use our website and services after any modifications or updates to these Terms & Conditions, you agree to be bound by the revised terms.

Please read these Terms & Conditions carefully before using our website or engaging our services.

If you have any questions or concerns regarding these Terms & Conditions, please contact us for clarification.