Terms of Service

Agreement to Terms

By accessing and using the Skane Strategies website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

Services Description

Skane Strategies provides life insurance consulting, employee benefits consulting, buy-sell agreement services, AI integration consulting, and Strategic Reserve coaching. The information on this website is for general informational purposes only and does not constitute professional advice. All insurance products and services are subject to the terms and conditions of the applicable insurance policies. AI integration and Strategic Reserve coaching services are advisory in nature and do not guarantee specific business outcomes.

Licensing

Victor Krvaric is a licensed insurance professional. California Insurance License #4270431. Insurance services are offered through properly licensed entities and are subject to state regulations.

No Guarantees

Insurance products involve risk, and past performance does not guarantee future results. Coverage, premiums, and benefits are subject to the terms of individual policies and underwriting approval. We make no guarantees regarding the availability, pricing, or suitability of any insurance product.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Skane Strategies and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.

Website Use

You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others. You may not:

• Attempt to gain unauthorized access to any part of the website
• Use the website to transmit harmful or malicious content
• Interfere with the proper functioning of the website
• Submit false or misleading information through our contact forms

Limitation of Liability

Skane Strategies shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or any information provided herein. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

External Links

This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of external websites.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website constitutes acceptance of any modified terms.

Contact

For questions about these Terms of Service, please Send us a Raven.