About Us
Infinite Banking
Use whole life insurance to become your own banker.
Financial Freedom
Make decisions without major concern for the financial impact it will have with a system of assets and minimal liabilities.
Life Insurance
Life insurance protects the people and priorities you value most, with each type offering unique benefits for security, savings, and building a lasting legacy.
Building Legacy
Design a plan so your wealth benefits both you and those who come after you.
Client Testimonials
Hear from those who’ve been where you are now. Our clients share how we've helped them protect their families, build wealth, and create lasting change for future generations.
Keller Williams Partnership
As the exclusive financial education partner to the Keller Williams Wealth Community, we help agents and their clients grow, protect, and pass on wealth.
Resources
Educational Courses
Our mission is to empower individuals to take ownership of their financial future, and that all starts with increasing our financial IQ through education.
Factum University Login
Explore our library of free videos designed to expand your financial knowledge and help you make smarter decisions around money.
Articles
Insightful articles from respected sources across the web to help you grow your financial knowledge.
Books
Trusted authors and thought leaders to help you deepen your financial understanding.
Beat the Banks Podcast
Educating Americans about increasing their savings rate and regaining control of banking functions through the prism of whole life insurance.
Powered by Factum Podcast
Only 20% of new life insurance agents survive beyond 24 months. We're changing that.
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FACTUM FINANCIAL

TERMS AND CONDITIONS

Effective Date: September 2026

1. Welcome to Factum Financial

Factum Financial (“Factum,” “Company,” “we,” “us,” or “our”) is a whole life insurance agency. Through our website, courses, books, podcast, and educational events, we teach the Infinite Banking Concept and help clients pursue financial freedom through properly structured whole life insurance. These Terms and Conditions (“Terms”) govern your access to and use of www.factumfinancial.com and any related content, tools, or services we offer (collectively, the “Service”).

By accessing or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree, please do not use the Service.

2. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. Educational Content Only — Not Insurance, Financial, Legal, or Tax Advice

The content on our Service — including articles, videos, courses, podcasts, and illustrations of the Infinite Banking Concept — is provided for general educational purposes only. It is not personalized insurance, financial, investment, legal, or tax advice, and it is not a substitute for a formal insurance application, underwriting review, or a conversation with a licensed professional about your specific situation.

No insurance coverage is created, bound, or guaranteed by your use of the Service or by any illustration, calculator, or example we provide. Coverage exists only once a formal application has been submitted, underwritten, approved, and a policy has been issued by a licensed insurance carrier.
Whole life insurance policies, cash value growth, dividends (where applicable), and any “infinite banking” strategy results will vary by carrier, product, underwriting outcome, and individual circumstances. Past performance or client testimonials are not a guarantee of future results.
Nothing on the Service should be construed as an offer to sell, or the solicitation of an offer to buy, any insurance product in any jurisdiction where Factum Financial or its agents are not licensed to do so.

Please consult a licensed insurance agent, financial advisor, attorney, or tax professional regarding your specific circumstances before making financial decisions.

4. Licensing

Factum Financial’s agents are licensed insurance producers. Licensing varies by agent and by state. Nothing on this Service constitutes an offer or solicitation in any state where a given agent is not appropriately licensed. If you have questions about an agent’s licensing, contact us using the information in Section 14.

5. Accounts and Registration

Some parts of the Service — such as course access or client portals — may require you to create an account. You agree to provide accurate information, keep your login credentials confidential, and notify us promptly of any unauthorized use of your account. You are responsible for all activity that occurs under your account.

6. Purchases of Courses, Books, and Digital Products

From time to time we offer paid courses, books, and other educational products through the Service (“Products”). By purchasing a Product, you agree to the following:

Prices are as listed at checkout and may be updated by us at any time prior to your purchase.
Payment is processed securely by our third-party payment processor (for example, Stripe or PayPal). We do not store your full payment card details.
Digital Products (courses, downloadable materials, and similar items) are generally non-refundable once access has been granted or content has been downloaded, except as required by law or as separately stated at the time of purchase.
We may update, discontinue, or modify a Product’s content or availability at our discretion, and will make reasonable efforts to notify purchasers of material changes.

7. Testimonials and Results

Any testimonials, case studies, or results shared on our Service reflect individual experiences. They are not a guarantee, warranty, or prediction regarding the outcome of your own insurance application, policy performance, or financial results, which will depend on your individual circumstances, the carrier and product selected, and underwriting outcomes.

8. Intellectual Property

The Service and its content — including text, graphics, logos, videos, course materials, and the Factum Financial name and marks — are the property of Factum Financial or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written consent, except for your own personal, non-commercial use of Products you have purchased.

9. Acceptable Use

When using the Service, you agree not to:

Use the Service for any unlawful purpose or in violation of these Terms.
Attempt to gain unauthorized access to our systems, other users’ accounts, or non-public areas of the Service.
Interfere with or disrupt the operation of the Service, including through malware, scraping, or excessive automated requests.
Misrepresent your identity or impersonate any person or entity, including Factum Financial or its agents.

10. Third-Party Links and Services

Our Service may link to third-party websites or services — including insurance carriers, payment processors, and social media platforms — that we do not own or control. We are not responsible for the content, terms, or privacy practices of those third parties. Review their terms and privacy policies before using them.

11. Disclaimer of Warranties

The Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied 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 viruses or other harmful components, or that any educational content, illustration, or calculator will be free of error.

12. Limitation of Liability

To the maximum extent permitted by law, Factum Financial and its owners, agents, and employees will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of the Service. Our total liability for any claim arising from these Terms or the Service will not exceed the amount you paid us, if any, in the twelve (12) months preceding the claim. Nothing in these Terms limits any liability that cannot be limited under applicable insurance regulatory law.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. If a dispute arises, you agree to first contact us so we can attempt to resolve it informally before pursuing formal proceedings.

14. Contact Us

Questions about these Terms? Contact us:

Email: [email protected]
Mail: Factum Financial, 4860 East Baseline Road, Suite 107, Mesa, AZ 85206

15. Changes to These Terms

We may update these Terms from time to time. We will post the revised Terms on this page and update the “Effective Date” above. Your continued use of the Service after changes take effect means you accept the updated Terms.