Terms of Use.

Effective November 4, 2026

Agreement

This website is operated by Femkee Marsh, LLC ("Femkee Marsh", "we", "us"). By using it, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the site.

Educational information only

Everything on this site is general and educational. It is not tax, legal, accounting or investment advice, and it is not a recommendation that any strategy or product is suitable for you. Femkee Marsh does not provide tax, legal or investment advice. Please consult your own tax and legal professionals before acting on anything you read here.

Licensing and availability

Femkee Marsh, LLC is a licensed insurance agency (Florida agency license L132513). Joshua Boxer holds Florida license G225773 and is licensed in AR, CA, CO, FL, IA, IL, LA, MD, ME, MI, MN, MO, NC, NE, NM, OH, SC, SD, TX, VA, VT and WI. Insurance products are offered only where we are licensed, and only through an individual consultation. Nothing on this site is an offer to sell, or a solicitation to buy, any product in a state where we are not licensed.

Examples and illustrations

Examples, figures and diagrams on this site are hypothetical and simplified. They are not guarantees or projections of future results and do not represent any specific product or client. Life insurance and premium finance involve costs, charges and risks, including interest rate, collateral and lapse risk, which are explained in full in a personal illustration before any decision. Insurance products are subject to underwriting and carrier approval, and guarantees depend on the claims paying ability of the issuing insurance company.

No client relationship

Using this site, sending a form or booking a call does not make you a client or create any advisory, fiduciary or agency relationship. That only happens when we agree to work together.

Accuracy

We work to keep the site accurate and current, but tax law, regulations and product terms change. We do not promise that all content is complete or up to date, and we may change it at any time without notice.

Third party services and links

Booking on this site is provided by Google Calendar, and the site may link to other websites. We do not control these services and are not responsible for their content, availability or privacy practices.

Intellectual property

The text, design, diagrams, logo and other content on this site belong to Femkee Marsh or its licensors and are protected by copyright and trademark law. You may view and print pages for your own personal, non commercial use. Any other use requires our written permission.

Acceptable use

Please do not misuse the site, including by attempting to gain unauthorized access, interfering with its operation, sending spam through its forms or using it for any unlawful purpose.

Disclaimer and limitation of liability

The site is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. Femkee Marsh is not liable for any indirect, incidental or consequential loss arising from your use of the site or reliance on its content.

Governing law

These terms are governed by the laws of the State of Florida, without regard to conflict of law rules. Any dispute relating to the site will be brought in the state or federal courts located in Palm Beach County, Florida.

Changes

We may update these terms from time to time. The effective date at the top shows when they last changed. Continuing to use the site after a change means you accept the updated terms.

Contact

Femkee Marsh, LLC, Palm Beach, Florida. Telephone (305) 900 4209, or send us a message through our contact form.