Last updated: October 15, 2026
These Terms of Use (“Terms”) apply to your use of eplfinancials.com (the “Website”), operated by Epiphany Leadership and Financial Solutions (“Epiphany,” “we,” “us” or “our”). By using the Website, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Website.
1. Educational purposes only
The content on the Website, including articles, guides, examples and calculators, is provided for general educational purposes. It is not tax, legal, accounting or investment advice and is not a recommendation that any product is right for you. Your situation is unique, so please speak with a licensed professional before making financial decisions. Please also read our Disclosures.
2. No offer and no guarantee of coverage
Nothing on the Website is an offer to sell, or a solicitation to buy, any insurance or annuity product in any state where that offer would not be allowed. Products, features and riders vary by state and insurance company and may not be available everywhere. Coverage is subject to the insurance company’s underwriting and approval, and the terms of any product are set only by the policy or contract issued to you. Any examples or figures on the Website are hypothetical and are not a quote or a promise of future results.
3. No client relationship from using the Website
Browsing the Website, sending us a message or booking a consultation does not by itself create an agent-client, fiduciary or advisory relationship. We may not be able to act on information you send until we have spoken with you.
4. Contacting us
When you submit a form, book a consultation or message us, you agree that we may contact you by phone, email or the method you used, to respond to your request. You agree to give accurate information. Please do not send sensitive information, such as Social Security numbers, policy numbers or health details, through the Website’s forms or by unsecured email.
5. Acceptable use
You agree not to:
- use the Website in any unlawful way or to send spam, malware or misleading information;
- attempt to gain unauthorized access to the Website, its servers or any connected systems;
- copy, scrape or collect content or data from the Website by automated means without our written permission; or
- interfere with the Website’s security or performance, or with other people’s use of it.
6. Intellectual property
The Website and its content, including text, graphics, logos and design, are owned by Epiphany or its licensors and are protected by copyright and trademark laws. You may view and print pages for your personal, non-commercial use. Any other use requires our prior written permission.
7. Third-party links and services
The Website links to third-party websites and services, such as scheduling, messaging and social media platforms. We do not control and are not responsible for their content, terms or privacy practices. Your use of them is at your own risk and subject to their terms.
8. Disclaimer of warranties
We work to keep the Website accurate and up to date, but laws, tax rules and product details change. The Website is provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose or non-infringement. We do not warrant that the Website will be uninterrupted or error-free.
9. Limitation of liability
To the fullest extent permitted by law, Epiphany and its owners, agents and service providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or data, arising from your use of or inability to use the Website or your reliance on its content. This does not limit any liability that cannot be limited under applicable law, or any rights you have under an insurance policy or annuity contract.
10. Indemnification
You agree to indemnify and hold harmless Epiphany and its owners and agents from any claims, losses or expenses, including reasonable attorneys’ fees, arising from your misuse of the Website or your violation of these Terms.
11. Governing law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict-of-law rules. Any dispute relating to these Terms or the Website will be brought in the state or federal courts located in Cook County, Illinois, unless applicable law requires otherwise. If any part of these Terms is found unenforceable, the rest will remain in effect.
12. Changes to these Terms
We may update these Terms from time to time. Changes take effect when posted on this page, and the “Last updated” date will show when they were last revised. Continuing to use the Website after changes are posted means you accept them.
13. Contact us
Epiphany Leadership and Financial Solutions
444 W. Lake Street, Suite 1700
Chicago, IL 60606
Phone: 312-416-8472
Email: isaac.bonney@eplfinancials.com
