Disclosures
Important information about HAYA Financial services.
Please review these disclosures to understand the scope of services, professional boundaries, and general nature of the information on this website.
General information
The content on this website is for general educational and informational purposes only. It is not intended as individualized financial, legal, tax, investment, or insurance advice. Information may not reflect the most current regulatory, carrier, or product developments.
Insurance services
Insurance products and services are subject to licensing requirements, underwriting, carrier approval, policy terms, availability, suitability, and applicable state and federal laws. Product features, benefits, costs, exclusions, and limitations vary by carrier and policy.
No guarantees
HAYA Financial does not guarantee eligibility, approval, pricing, benefits, tax treatment, investment results, legal outcomes, or financial outcomes. Any examples discussed are for educational purposes and should not be treated as promises or predictions.
Legal, tax, and investment advice
HAYA Financial does not provide legal or tax advice and does not draft wills, trusts, or other legal documents. Clients should consult qualified legal, tax, investment advisory, or other professional advisors for advice specific to their circumstances.
Referrals
HAYA Financial may provide referrals to financial advisors, tax professionals, estate attorneys, or other professionals when appropriate. A referral does not guarantee service availability, suitability, quality, results, or any specific outcome. Clients are responsible for evaluating and selecting any professional they choose to engage.
Client relationship
Visiting this website, using a booking link, sending an email, or participating in an introductory call does not create a client relationship. A client relationship is formed only after appropriate engagement steps, disclosures, licensing considerations, and required documentation are completed.
Website communications
Please do not submit sensitive personal, medical, financial, legal, or account information through the website. Email and booking tools may not be suitable for confidential information.