Updated On: November 23, 2024

Welcome to www.btointernational.com, operated by BTO International LLC ("Company", "we", "our", or "us"). By accessing or using this Site, you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Site.  BTO Financial is part of BTO International LLC.

1. Acceptance of Terms

By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to these Terms, along with our Privacy Policy (link to your privacy policy).

2. Eligibility

You must be at least 18 years old to use this Site. By using the Site, you represent and warrant that you meet these requirements.

3. Services

The Site provides information about opportunities in life insurance sales, career growth, and associated training and licensing. While we aim to provide accurate and up-to-date information, we make no guarantees regarding the completeness or reliability of the content provided.  We are also licensed agents in the state of Texas, Florida and PR.  We are a financial services company that sell Life Insurance and Retirement products. Alberto Hernandez holds TX License #3262068, FL License #G190692 and PR License# 3003404844.

4. User Responsibilities

By using this Site, you agree that you will:

Provide accurate and complete information when using forms or submitting inquiries.

Refrain from any unlawful or unauthorized use of this Site, including activities such as spamming, hacking, or attempting to breach Site security.

Not impersonate any individual or provide false information.

5. Application and Eligibility Submissions

The Site may allow you to submit personal information for career eligibility or licensing assistance. By submitting this information:

You grant us permission to process your data to determine eligibility and contact you about opportunities.

You confirm that all information provided is accurate and truthful.

Submission of an application does not guarantee employment, training, or licensing.

6. Disclaimer of Warranties

The Site is provided "as is" and "as available," without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that:

The Site will operate error-free or uninterrupted.

All information provided is accurate, current, or complete.

7. Limitation of Liability

To the fullest extent permitted by law, BTO International LLC and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the Site.

8. Third-Party Links

This Site may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these third-party websites. Access them at your own risk.

9. Intellectual Property

All content on this Site, including but not limited to text, images, logos, and software, is the property of BTO International LLC or its content providers and is protected by copyright, trademark, and other intellectual property laws.

10. Privacy Policy

Your use of this Site is also governed by our Privacy Policy (link to your privacy policy), which describes how we collect, use, and protect your data. By using the Site, you consent to our collection and use of your data as outlined in the Privacy Policy.

11. Indemnification

You agree to indemnify and hold harmless BTO International LLC, its affiliates, officers, and employees from any claims, damages, or liabilities arising from your use of the Site or violation of these Terms.

12. Termination

We reserve the right to terminate or restrict your access to the Site at our sole discretion, without notice, for any reason, including violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Insert State/Region], without regard to its conflict of laws principles.

14. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be effective immediately upon posting. Continued use of the Site constitutes acceptance of the updated Terms.

15. Contact Information

If you have any questions or concerns about these Terms, please contact us at:

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