Terms of Use

TERMS OF USE
Bernaducci & Kugelov, LLC | Effective August 9, 2026
Please read these Terms carefully before using the Site.
1. Acceptance of These Terms
These Terms of Use (“Terms”) govern your access to and use of https://bk-llc.com/ and all pages, content, features, materials, and services made available through the website (collectively, the “Site”). The Site is owned and operated by Bernaducci & Kugelov, LLC (“B&K,” “we,” “us,” or “our”).
By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not access or use the Site.
2. Eligibility
You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Site. By using the Site, you represent that you satisfy these requirements.
3. Educational Information Only
The Site provides general educational and informational content concerning financial planning, retirement planning, asset protection, insurance, tax planning, estate planning, investments, digital assets, Medicare, long-term care, and related topics. This content is not individualized financial, investment, securities, tax, legal, accounting, insurance, medical, or other professional advice, and it should not be relied upon as such.
Nothing on the Site constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation or endorsement of any security, insurance product, investment strategy, legal structure, tax strategy, or other financial product or service. No advisor-client, fiduciary, attorney-client, accountant-client, or other professional relationship is created by your use of the Site, your submission of a form, your scheduling of a consultation, or your receipt of general information from us.
Financial, tax, legal, insurance, and investment decisions involve risk and depend on individual circumstances. Before acting, consult appropriately licensed professionals who can evaluate your objectives, financial condition, risk tolerance, jurisdiction, and other relevant circumstances.
4. No Guarantee of Results
Examples, illustrations, projections, calculators, hypothetical results, testimonials, and discussions of strategies are provided for educational purposes only. They are not promises, guarantees, or predictions of future performance or outcomes. Past performance does not guarantee future results. Investment values may rise or fall, and you may lose money. Tax laws, regulations, product terms, market conditions, and planning techniques may change.
5. Site Content and Accuracy
We seek to provide useful information but do not warrant that Site content is complete, accurate, current, or suitable for any particular purpose. Content may contain errors or become outdated. We may change, correct, suspend, or remove any part of the Site at any time without notice. You are responsible for independently verifying information before relying on it.
6. E-Readers, Guides, Videos, and Other Materials
Books, e-readers, guides, videos, checklists, downloads, and other materials available through the Site are for your personal, noncommercial use unless we expressly state otherwise. Access to a resource does not grant ownership of it or permission to reproduce, distribute, publicly display, modify, publish, sell, sublicense, or create derivative works from it. Additional terms presented with a particular resource also apply.
7. Third-Party Websites, Tools, and Services
The Site may link to or incorporate third-party websites, calculators, applications, videos, platforms, products, or services. We do not control and are not responsible for their content, availability, security, privacy practices, terms, accuracy, or performance. A link or integration does not necessarily imply endorsement. Your use of a third-party resource is governed by that provider’s terms and is at your own risk.
8. Consultations and Communications
You may use the Site to request information or schedule a consultation. Submitting a request does not require us to accept an engagement or provide services. Any services we agree to provide may be governed by a separate written agreement, disclosure, application, or product document. If a separate agreement conflicts with these Terms regarding those services, the separate agreement controls.
By providing contact information, you represent that it is accurate and that you are authorized to provide it. You consent to receive responsive communications from us by telephone, email, or text message as permitted by law. Consent to receive marketing communications is not a condition of purchasing any product or service. Message and data rates may apply. You may opt out of marketing emails by using the unsubscribe mechanism and opt out of marketing texts by replying STOP.
9. Acceptable Use
You may use the Site only for lawful purposes. You may not:
violate any applicable law, regulation, or third-party right;
attempt to gain unauthorized access to the Site, its systems, accounts, or networks;
introduce malware, harmful code, automated attacks, or other disruptive technology;
scrape, harvest, copy, or systematically extract Site content or personal information without written permission;
impersonate another person, misrepresent your identity, or submit false or misleading information;
interfere with the operation, security, or integrity of the Site; or
use the Site or its content to develop, train, or improve an artificial-intelligence or machine-learning system without our prior written consent.
10. Intellectual Property
The Site and its content, including text, graphics, logos, photographs, videos, downloads, design, arrangement, and software, are owned by B&K or its licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and use the Site for personal, lawful, noncommercial purposes. No other rights are granted.
Bernaducci & Kugelov, LLC and associated names, logos, product names, and service names may be trademarks of B&K or their respective owners. You may not use them without prior written permission.
11. Privacy
Our collection and use of personal information through the Site are described in our Privacy Policy, available at https://bk-llc.com/privacy-policy/. By using the Site, you acknowledge that you have reviewed the Privacy Policy.
12. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT, MATERIALS, TOOLS, LINKS, AND FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” B&K DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND FREEDOM FROM HARMFUL CODE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
13. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, B&K AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OPPORTUNITY, GOODWILL, OR INVESTMENT VALUE, ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF B&K FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow certain exclusions or limitations, so some of the foregoing may not apply to you.
14. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless B&K and its members, managers, officers, employees, contractors, agents, licensors, and service providers from claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms, misuse of the Site, or infringement of another person’s rights.
15. Changes to the Site or These Terms
We may modify these Terms from time to time. The revised Terms will be posted on this page with an updated effective date. Changes become effective when posted unless otherwise stated. Your continued use of the Site after revised Terms are posted constitutes acceptance of those changes.
16. Governing Law and Venue
These Terms and any dispute arising out of or relating to the Site are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to any applicable law that provides otherwise, you and B&K consent to the exclusive jurisdiction and venue of the state and federal courts located in Palm Beach County, Florida.
17. Severability; Waiver; Entire Agreement
If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. A failure to enforce any provision is not a waiver. These Terms and the Privacy Policy constitute the entire agreement between you and B&K concerning use of the Site, except for any separate agreement governing services or products.
18. Contact Us
Questions about these Terms may be directed to:
Bernaducci & Kugelov, LLC
14522 Three Ponds Trail
Delray Beach, FL 33446
Email: artie@bk-llc.com
Phone: (732) 614-5832