LEGAL
terms & Conditions
Last updated: May 9, 2026
Agreement to terms
By accessing or using the website operated by YWAIT Consulting, YWAIT Agency, YWAIT Wealth Management, and YWAIT Insurance Solutions (collectively "YWAIT," "we," "us," or "our"), you agree to be bound by these Terms & Conditions. If you do not agree to all of these terms, please do not use our website or services.
These terms apply to all visitors, users, and others who access or use our site.
Not legal or financial advice
The information provided on this website is for general informational purposes only and does not constitute legal, financial, tax, or investment advice. YWAIT entities are not law firms and do not provide legal advice. Nothing on this site creates an attorney-client relationship or a fiduciary relationship.
Always consult with a licensed attorney, financial advisor, or tax professional in your jurisdiction before making any decisions based on information found on this site. Results discussed or implied on this site are not guaranteed and will vary based on your individual circumstances.
Our services
YWAIT provides estate planning facilitation, retirement planning guidance, and insurance solutions. Our services include:
Consultation and strategy sessions for estate and trust planning
Retirement income planning and wealth management guidance
Life insurance and other insurance product solutions
Educational resources and general financial information
All services are subject to availability and may require a separate written agreement. We reserve the right to refuse service to anyone for any reason at any time.
Consent to Communicate
By submitting your information through any form on this website — including contact forms, booking requests, or newsletter sign-ups — you expressly consent to being contacted by YWAIT representatives via phone, email, or text message, including calls or texts made using automated technology, at the number or address you provided.
You may opt out of marketing communications at any time by replying STOP to any text, clicking "unsubscribe" in any email, or by contacting us directly. Standard message and data rates may apply for SMS communications.
Intellectual property
All content on this website — including text, graphics, logos, images, and software — is the property of YWAIT or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our express written permission.
The YWAIT name, logo, and related marks are trademarks of YWAIT. All rights reserved.
User conduct
When using our website, you agree not to:
Use the site for any unlawful purpose or in violation of any regulations
Attempt to gain unauthorized access to any portion of the site or its infrastructure
Transmit any unsolicited commercial communications (spam)
Submit false, misleading, or fraudulent information through any form
Interfere with or disrupt the integrity or performance of the site
Scrape, crawl, or otherwise harvest data from the site without our written consent
Disclaimer of warranties
Our website and services are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on the site.
Limitation of liability
To the fullest extent permitted by applicable law, YWAIT, its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, goodwill, or other intangible losses — arising out of or related to your use of or inability to use our website or services.
In no event shall our total liability to you for all claims exceed the greater of (a) the amount you paid us for services in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).
Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so the above may not apply to you in full.
Indemnification
You agree to indemnify, defend, and hold harmless YWAIT and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of our website.
Third-party links
Our website may contain links to third-party websites or services that are not owned or controlled by YWAIT. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites. We strongly advise you to review the terms and privacy policy of any third-party site you visit.
Governing law & dispute resolutions
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.
You waive any objection to the laying of venue in such courts and any claim that such courts are inconvenient forums.
Changes to these terms
We reserve the right to modify these Terms at any time. We will indicate the date of the most recent update at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the revised terms. If you do not agree to the updated terms, please stop using our site.
Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable.
Contact us
Questions about these Terms? Reach out:
Helping individuals, families, and unions protect what they've built through estate planning, retirement strategies, and insurance solutions.
This site provides general information about legal topics. YWait Agency, YWait Consulting, YWait Wealth Management, and YWait Insurance Solutions are not law firms and do not provide legal or tax advice. Estate Planning Software Licensed from & Powered by Estate Documents Pro.
Legal documents written by Attorneys. Do-it-yourself estate document software licensed from Estate Documents Pro, LLC. This site provides general information about legal topics. ManaEstateDocs.com, YWaitCosulting.com, YWait Wealth and Management, and Estate Documents Pro, LLC are not law firms and do not provide legal or tax advice. This site, and the products available on this site, are not a substitute for the advice of an attorney. You should consult with an attorney and tax advisor licensed to practice in your state for advice if you have questions about your specific circumstances.
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