IMPORTANT LEGAL INFORMATION: TERMS OF USE.

By accessing and using this website, you are accepting and agreeing to be bound by and comply with these Terms. If you do not agree to these Terms, please refrain from accessing or using the Site. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted. 

 

The information contained on the pages of this Site is subject to modification and update from time to time without notice. We do not guarantee or ensure the accuracy, completeness, currency or authenticity of any Site content or functionality, or transmission of any Site content from the Site to you. 

 

This Site does not, and it is not intended to, provide any financial, investment, retirement planning, insurance, legal, accounting, or tax advice. The Site should not be used or relied upon by you as a substitute for your independent research or professional advice. Nothing in this Site constitutes an offer to sell or a solicitation of an offer to buy any security or any investment or insurance product or service. All products and services are subject to the terms and conditions of the applicable agreements. 

 

Your use of the Site shall be on an "as is" basis entirely at your risk. Neither R & J Risk Transfer, LLC, nor any of their affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party, or consequential damages. Past performance is not an indicator of future returns and references to performance on this Site are provided as historical benchmarks only. 

 

NOTICES.

Not intended for use in solicitation of sales to the general public in any form. Not intended for distribution. Not an Offer. APEX is only available to members of approved professional and trade associations, and may not be approved for use in all states. The information contained herein is prepared for general information and education. No attempt is made to offer any financial or legal advice. Those interested in APEX Brand Products should reasonably consult independent counsel and/or obtain professional advice to determine if APEX Brand Products are right for them. 

 

APEX is provided exclusively to members of professional and trade associations. Similar to group benefits provided through traditional insurance arrangements, APEX allows for efficient underwriting through group policy issuance to associations. Members of the association that participate in APEX are issued Certificates of Insurance. APEX is currently offered to members of the National Association for Advancing Business Organizations based in Ft. Lauderdale, FL.