Terms of Use
Last Updated: July 20, 2026
1. Acceptance of These Terms
By accessing or using this website, you agree to these Terms of Use.
If you do not agree with these Terms, please do not use the website.
2. Use of the Website
The content on this website is provided for general informational and educational purposes.
It is not intended as legal, tax, accounting, or investment advice.
Information about insurance products, coverage, annuities, or retirement-related insurance options should be reviewed together with the applicable official applications, policy documents, disclosures, terms, conditions, and materials provided by the issuing insurance company.
Use of this website does not create an insurance contract or guarantee that any application will be approved or that coverage will be issued.
3. Intellectual Property
The content on this website belongs to José Llera or the applicable rights holders.
You may not copy, reproduce, distribute, modify, republish, or commercially use website content without prior written permission, except as permitted by applicable law.
4. Accuracy and Availability
We make reasonable efforts to keep the information on this website accurate and current.
However, the content may contain errors, omissions, or outdated information. Information may also change without prior notice.
The website may be unavailable from time to time because of maintenance, technical issues, service interruptions, or circumstances beyond our control.
5. External Links
This website may include links to third-party websites for convenience or informational purposes.
José Llera does not control and is not responsible for the content, availability, privacy practices, security, accuracy, or policies of third-party websites.
The inclusion of an external link does not necessarily indicate endorsement of the third party, its services, or its content.
6. Limitation of Liability
To the extent permitted by applicable law, José Llera is not responsible for indirect, incidental, special, or consequential damages arising from or related to:
- Access to or use of this website
- Inability to access or use the website
- Reliance on general information presented on the website
- Third-party websites or services linked from the website
Nothing in these Terms limits or excludes any responsibility that cannot legally be limited or excluded.
7. User Conduct
You may not use this website to:
- Engage in unlawful, fraudulent, or abusive activity
- Upload, transmit, or introduce malicious code
- Attempt to gain unauthorized access to the website or related systems
- Interfere with the website’s operation, security, or availability
- Misuse website forms or communication features
- Submit false, misleading, or unauthorized information
- Copy or use website content in violation of applicable intellectual property rights
8. Communications
When you contact us, we may respond by email, phone, or another approved communication channel.
You may request that certain promotional or optional communications stop at any time.
Some communications may continue when reasonably necessary to respond to your request or to comply with applicable legal, regulatory, compliance, contractual, or recordkeeping requirements.
9. Privacy
Information submitted through this website is handled according to the Privacy Policy.
The website may also use cookies and similar technologies as described in the Cookie Policy.
10. Changes to These Terms
We may update these Terms of Use from time to time.
Any changes will be posted on this page. The version identified by the Last Updated date is the current version.
Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
11. Governing Law
These Terms of Use are governed by the laws of Puerto Rico and applicable federal laws of the United States.
Any dispute related to these Terms or the use of this website will be subject to the jurisdiction of the appropriate courts in Puerto Rico, unless applicable law requires otherwise.