Last updated: July 15, 2026
These Terms of Service ("Terms") govern your use of the Late Game Financial website and the information and tools we provide (the "Service"). By accessing or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.
Late Game Financial is an independent insurance brokerage. We help connect individuals with licensed agents and insurance carriers. Any rates, ranges, or estimates shown on our website are rough illustrations only. They are not a quote, an offer of insurance, or a guarantee of coverage, price, or eligibility. Actual coverage, rates, and approval are determined solely by the insurance carrier and are subject to underwriting and applicable law.
Content on our website is provided for general informational purposes only and is not insurance, financial, tax, or legal advice. You should consult a licensed professional before making decisions about insurance or your finances.
You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent that you meet these requirements.
By submitting your information, you agree that a licensed agent may contact you at the telephone number you provide, including through automated technology, prerecorded messages, or text, even if your number is on a Do-Not-Call list. Consent is not a condition of purchase. This section works together with our Privacy Policy.
The Service, including its text, graphics, logos, and design, is owned by or licensed to Late Game Financial and is protected by applicable laws. You may not copy, reproduce, or distribute any part of the Service without our prior written permission.
The Service may reference or link to third-party websites, agents, or carriers that we do not control. We are not responsible for the content, products, services, or practices of any third party.
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any estimate will match a carrier's actual determination.
To the fullest extent permitted by law, Late Game Financial and its owners, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising out of or relating to your use of the Service, even if we have been advised of the possibility of such damages.
You agree to indemnify and hold harmless Late Game Financial and its owners, employees, and partners from any claims, losses, liabilities, and expenses arising out of your use of the Service or your violation of these Terms.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. Any dispute relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts located in California, unless otherwise required by law.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the Service after changes take effect means you accept the updated Terms.
If you have questions about these Terms, contact us at:
Late Game Financial
Email: nathan@lategamefinancial.com
Phone: 1-949-990-5769
Website: lategamefinancial.com