Legal & regulatory
Terms of Use
Effective July 24, 2026 · Last updated July 24, 2026
By accessing this website, you agree to these Terms of Use. If you do not agree, do not use the website. Cardinal Oaks currently identifies North Carolina as its licensed state. These terms should be reviewed by qualified counsel.
1. Informational purpose only
Website content is general information and is not a recommendation, offer, contract, or substitute for individualized insurance, legal, tax, accounting, investment, medical, or financial advice. You should consult appropriately qualified professionals about your circumstances.
2. No insurance coverage is bound
Submitting an inquiry does not apply for, purchase, bind, renew, change, or cancel insurance coverage. Coverage is effective only when confirmed in writing by an authorized insurance carrier or properly licensed representative and all required conditions are satisfied. Do not cancel existing coverage based on website content or an inquiry submission.
3. Availability and licensing
Products and services are available only in jurisdictions where they may lawfully be offered and through individuals holding any required licenses. Product availability, eligibility, benefits, exclusions, limitations, rates, and carrier participation vary by state and may change. Nothing on this website guarantees eligibility, pricing, approval, savings, or issuance.
4. Accuracy and third-party information
We aim to keep information useful and current but do not warrant that content is complete, accurate, current, or error-free. Carrier descriptions are summaries only; the issued policy, evidence of coverage, plan documents, and carrier terms control. Third-party names and marks belong to their respective owners and do not imply endorsement.
5. Permitted use
You may use the website only for lawful personal or business-information purposes. You may not attempt unauthorized access, introduce malicious code, scrape or harvest information, interfere with operation, impersonate another person, misrepresent information, or use content in violation of law or third-party rights.
6. Intellectual property
The website’s design, text, graphics, logos, and other content are owned by or licensed to Cardinal Oaks and are protected by applicable intellectual-property laws. No rights are granted except the limited right to access and use the website in accordance with these terms.
7. Electronic communications
When you request contact, you authorize communications reasonably related to that request using the information you provide. Marketing consent, where offered, is optional and is not a condition of purchase. Commercial email must provide an appropriate opt-out mechanism. Standard carrier charges may apply to telephone or text communications if those channels are later enabled.
8. Disclaimer of warranties
To the fullest extent permitted by law, the website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, or security. Some jurisdictions do not allow certain exclusions, so portions of this section may not apply to you.
9. Limitation of liability
To the fullest extent permitted by law, Cardinal Oaks and its owners, officers, employees, representatives, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, loss of data, loss of profits, or damages arising from reliance on website content or inability to use the website. Applicable law may limit or prohibit some exclusions.
10. Changes, suspension, and governing requirements
We may update these terms or modify or discontinue website features. Continued use after an update constitutes acceptance to the extent permitted by law. Any mandatory consumer protections and applicable federal and state insurance laws remain controlling.
11. Contact
Questions may be submitted through the website inquiry form, by telephone at 919-899-4278, or by mail to Cardinal Oaks Financial Group LLC, 800 Pinner Weald Way, Suite 201, Cary, NC 27513, USA.