Updated On: November 23, 2024

BTO International LLC ("Company," "we," "our," or "us") operates this website (www.btointernational.com) to provide information about life insurance opportunities, training, and licensing support. By accessing and using this website, you agree to the terms of this Disclaimer. If you do not agree, please discontinue use of this website immediately.

1. No Professional Advice

The information provided on this website is for general informational purposes only and does not constitute professional advice, including legal, financial, or insurance advice.

You should not rely solely on the information on this website for making decisions about purchasing insurance or beginning a career as a life insurance agent.

For specific advice, please consult a licensed insurance professional or other qualified advisor.

2. No Guarantees or Promises

While we strive to provide accurate and up-to-date information, we make no representations or warranties about:

The accuracy, reliability, completeness, or timeliness of the content provided on this website.

Your eligibility for life insurance agent positions, licensing, or other opportunities described on the website.

Your earning potential as a life insurance agent or other outcomes.

All outcomes depend on individual effort, market conditions, and other factors beyond our control.

3. External Links Disclaimer

This website may contain links to third-party websites or resources for your convenience. We are not responsible for:

The content, accuracy, or availability of information on external websites.

The practices or policies of third-party websites, including their privacy practices.

Use of third-party websites is at your own risk.

4. Limitation of Liability

To the fullest extent permitted by law, BTO International LLC shall not be held liable for any:

Direct, indirect, incidental, special, or consequential damages arising out of or related to the use of this website.

Losses resulting from reliance on information provided on this website, including but not limited to financial or career decisions.  BTO Financial or BTO International LLC are Insurance Companies.  We represent Insurance Companies are licensed to sell life insurance.  Alberto Hernandez holds TX License #3262068, FL License #G190692 and PR License# 3003404844.

5. No Endorsements

References to any specific products, services, or third-party organizations on this website do not constitute an endorsement or recommendation.

6. Career and Licensing Information

Information provided about career opportunities, training, and licensing is subject to change.

Submitting an application or inquiry does not guarantee employment, partnership, or licensing assistance.

Eligibility for life insurance agent positions and licensing support will be determined by applicable regulations and requirements.

7. Use of This Website

Your use of this website is at your own risk. We do not guarantee uninterrupted or error-free access and reserve the right to modify or discontinue any content or features without notice.

8. Governing Law

This Disclaimer is governed by the laws of the State of Texas, without regard to its conflict of law provisions.

9. Contact Information

If you have any questions about this Disclaimer, please contact us:

BTO International LLC

Email: a.hernandez@btointernational.com
Phone: 787-930-3193
Address: Space Center BLVD. Houston, TX 77058

Calle Washington, San Juan, PR 00907

Cambay Ave., Orlando, FL 32817

Acknowledgment

By using this website, you acknowledge that you have read, understood, and agree to this Disclaimer. If you do not agree to these terms, please refrain from using this website.