Terms and Conditions

Effective date: October 1, 2026

These Terms and Conditions ("Terms") govern your use of the Legacy with Nurse Judy website (the "Site"), operated by Judichaelle Etienne, Licensed Financial Professional ("we," "us," or "our"). By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Educational information only

The content on this Site is provided for general educational and informational purposes. It is not financial, investment, tax, or legal advice, and it is not a recommendation to buy any specific product. Your situation is unique, so please consult a qualified professional, including a tax advisor or attorney where appropriate, before making financial decisions.

2. Licensing and availability

Judichaelle Etienne is licensed to offer insurance products in New York and Connecticut. Nothing on this Site is an offer to sell, or a solicitation of an offer to buy, any product in a state where we are not licensed. Products, features, riders, and benefits vary by carrier and by state, and some may not be available in your state.

3. No coverage or client relationship

Using this Site, submitting the contact form, or scheduling a consultation does not create an agent-client relationship and does not bind, change, or cancel any insurance coverage. Coverage begins only when a carrier approves your application, issues a policy, and any required premium is paid, according to that carrier's terms.

4. Insurance and annuity products

Insurance and annuity products are issued by the respective insurance carriers, not by us. Any guarantees are based on the financial strength and claims-paying ability of the issuing carrier. Quotes, examples, and illustrations are estimates, are not guaranteed, and depend on underwriting, age, health, and other factors. Indexed universal life and indexed annuity products are not investments in the stock market or any index. Policy loans and withdrawals may reduce cash value and death benefits and may have tax consequences. Please read the carrier's policy documents carefully before purchasing.

5. Your submissions and communications

You agree that any information you submit through the Site is accurate and that you are authorized to provide it. When you submit the contact form and check the consent box, you agree to be contacted about your inquiry as described in our Privacy Policy. Please do not send sensitive information, such as Social Security numbers, account numbers, or medical details, through the Site's contact form.

6. Acceptable use

You agree not to use the Site to break any law, submit false or misleading information, impersonate anyone, interfere with the Site's operation, attempt to access areas or systems you are not authorized to use, or collect information about other users.

7. Intellectual property

The Site's text, design, logo, and images belong to Legacy with Nurse Judy or are used with permission, and are protected by copyright and trademark laws. You may view and print pages for your personal, non-commercial use. You may not copy, modify, or distribute the Site's content without our written permission. Insurance carrier names and logos are trademarks of their respective owners and are used for identification only; their appearance does not imply endorsement of this Site.

8. Third-party links

The Site links to third-party websites, including insurance carriers, scheduling tools, and social media platforms. We do not control and are not responsible for their content, products, or privacy practices. Your use of those sites is governed by their own terms.

9. Disclaimer of warranties

The Site is provided "as is" and "as available." We work to keep information accurate and current, but we make no warranties, express or implied, that the Site will be error-free, complete, current, or uninterrupted. Rates, product features, and regulations change, so always confirm details with us or the carrier before relying on them.

10. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Site or its content. Nothing in these Terms limits any liability that cannot be limited under applicable law.

11. Governing law

These Terms are governed by the laws of the State of [GOVERNING STATE], without regard to its conflict-of-law rules.

12. Changes to these Terms

We may update these Terms from time to time. When we do, we'll change the effective date at the top of this page. Continuing to use the Site after an update means you accept the revised Terms.

13. Contact us