Effective Date: 11.20.23

Last Updated: 07.10.25

Welcome to Centeno Enterprises!

These Terms and Conditions outline the rules and regulations for using our website, products, and services. By accessing or using our site, you agree to comply with these terms. If you disagree with any part of the terms, you must not use our website.

1. Use of the Website

You must be at least 18 years old to use this website. You agree to use the site only for lawful purposes and in compliance with these terms. You are responsible for ensuring that any information you provide is accurate, complete, and up to date.

2. Services Provided

Centeno Enterprises offers financial consulting and insurance products, including Index Universal Life (IULs), annuities, final expense, and other related services. All services are subject to availability and may require additional terms, which will be disclosed during the service agreement process.

3. Intellectual Property

All content on this website, including text, graphics, logos, and designs, is the property of Centeno Enterprises or its licensors. Unauthorized use, reproduction, or distribution of any content is prohibited.

4. Disclaimer of Warranties

Centeno Enterprises makes no guarantees regarding the accuracy, completeness, or reliability of the information provided on this site. Our services are offered “as is” and “as available,” without warranties of any kind, express or implied. Financial products are subject to risks, and past performance does not guarantee future results.

5. Limitation of Liability

To the fullest extent permitted by law, Centeno Enterprises is not liable for any:

Direct, indirect, incidental, or consequential damages arising from the use of our website or services. Losses resulting from decisions made based on information provided by us.

6. Third-Party Links

Our website may include links to third-party websites for your convenience. Centeno Enterprises is not responsible for the content, privacy policies, or practices of these external sites.

7. Payment Terms

Payments for services are due as specified in the service agreement. Refund policies, if applicable, will be outlined in the individual agreement for the specific service.

8. Privacy and Cookie Policy

By using this website, you agree to our Privacy Policy and Cookie Policy, which outline how we collect, use, and store your personal data.

9. Termination

Centeno Enterprises reserves the right to terminate or suspend access to the website or our services for users who violate these terms or engage in prohibited conduct.

10. Governing Law

These Terms and Conditions are governed by the laws of Florida, without regard to its conflict of law provisions. Any disputes arising from these terms will be resolved in the courts of Florida.

11. Changes to Terms

Centeno Enterprises may update these Terms and Conditions at any time. Changes will be effective upon posting on this page with a revised "Effective Date." Continued use of the website constitutes acceptance of the updated terms.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

Email: [email protected]

Phone: (910) 613-9191