Last updated: July 2026
Welcome to thetopfinancial.com, the website of The Top Financial ("we," "us"). By using this site — including our AI chat and our forms — you agree to these terms. If you don't agree, please don't use the site.
This site is intended for adults (18+) in the United States. It is not directed to residents of New York, and nothing here is an offer or solicitation in any state where we are not licensed — see our Licensing & Disclosures.
Everything on this site, including answers from our AI chat, is general educational information. It is not financial, insurance, legal, or tax advice, and it is not a recommendation to buy any specific product. No insurance coverage is quoted, offered, applied for, or bound through this website or the chat. Actual products, prices, and terms come only from a policy or contract issued by an insurance company after you work with a licensed agent. Always confirm anything important for your situation with a licensed agent and, where appropriate, your own tax or legal professional.
Our chat is an automated AI assistant — not a human and not a licensed insurance agent. It can make mistakes, and its answers may be incomplete or out of date. No professional or client relationship is created by using it. Please don't enter sensitive personal details (Social Security numbers, health information, financial account numbers) in the chat. Conversations are handled as described in our Privacy Policy.
When you submit a form, you're asking us to contact you about your request, as described next to the form's submit button and in our Privacy Policy. Submitting a form does not make you a client and does not create any coverage.
You agree not to misuse the site — including scraping or harvesting data, probing or disrupting our systems, abusing or attempting to manipulate the chat, submitting false or misleading information, or using the site for anything unlawful.
The content of this site (text, design, graphics, logo) belongs to The Top Financial or its licensors. You may view and print pages for personal, non-commercial use; any other use requires our written permission. Third-party trademarks (such as index names) belong to their respective owners.
Links to other websites are provided for convenience. We don't control and aren't responsible for their content or practices.
The site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including accuracy, completeness, availability, and fitness for a particular purpose.
To the fullest extent permitted by law, The Top Financial and its agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the site or the chat, and our total liability for any claim relating to the site will not exceed one hundred U.S. dollars ($100). Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you. Nothing in these terms limits rights you have under the terms of an actual insurance policy issued to you or under applicable insurance law.
These terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute relating to the site will be brought in the state or federal courts located in the county of The Top Financial's principal place of business in Texas, and you consent to their jurisdiction.
We may update these terms from time to time; the "last updated" date above will change when we do. Your continued use of the site after an update means you accept the revised terms.
If any part of these terms is found unenforceable, the rest remains in effect. Questions? Email contact@thetopfinancial.com.
This page is provided for general informational purposes and is not legal advice. The Top Financial — Texas roots, serving families nationwide.