Effective Date: August 24, 2026

1. AGREEMENT TO THESE TERMS

These Terms of Use (“Terms”) govern your access to and use of 15minuteadvisor.com, the Retirement Risk Quiz, educational materials, appointment-booking tools, and related features (collectively, the “Site”). The Site is operated by Shoreline Financial Group, Inc. under its consumer-facing brand, The 15 Minute Advisor (“Shoreline,” “The 15 Minute Advisor,” “we,” “us,” or “our”).

By accessing or using the Site, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the Site.

2. EDUCATIONAL PURPOSE

The Site provides general consumer education concerning retirement planning, retirement income, market risk, sequence-of-returns risk, and related topics. The Retirement Risk Quiz produces an educational result based solely on the answers submitted. It is a simplified educational tool and is not a comprehensive analysis of your finances or personal circumstances.

Site content is not legal, tax, accounting, investment, medical, or individualized financial advice. It is not an insurance application, securities recommendation, fiduciary recommendation, guarantee, or offer to buy or sell an insurance or financial product.

3. PROFESSIONAL SERVICES AND PRODUCT AVAILABILITY

Insurance products and services, where offered, are provided through appropriately licensed insurance professionals. Insurance availability, product features, and licensing vary by state. No insurance product is offered or sold through the Retirement Risk Quiz.

A requested review or introduction to a professional does not create an advisory, fiduciary, insurance-agent, client, or other professional relationship unless and until the parties separately agree in writing and all applicable licensing and suitability requirements are satisfied.

Any strategy, product, quote, illustration, or recommendation discussed after the educational experience is subject to independent evaluation, carrier requirements, availability, state law, licensing, underwriting, suitability, and separate documentation. Nothing on the Site guarantees eligibility, approval, performance, income, tax treatment, or any particular outcome.

4. ELIGIBILITY

The Site is intended for adults in the United States. You must be at least 18 years old to submit personal information, complete the quiz, or request a review. By using the Site, you represent that you meet these requirements and have legal capacity to agree to these Terms.

5. USER RESPONSIBILITIES

You agree to provide information that is accurate to the best of your knowledge and to use the Site only for lawful, personal purposes. You are responsible for independently evaluating information before making financial, insurance, tax, legal, or investment decisions and for consulting appropriately qualified professionals.

Do not submit Social Security numbers, financial-account credentials, payment-card details, medical records, or other highly sensitive information through the Retirement Risk Quiz or general Site forms.

6. PROHIBITED USE

You may not:

use the Site for unlawful, fraudulent, misleading, abusive, or harmful activity;

interfere with the Site, introduce malicious code, circumvent security, or attempt unauthorized access;

scrape, copy, harvest, or use automated means to extract Site content or personal information without written permission;

impersonate another person or misrepresent your identity or authority;

use Site content to train, develop, or operate a competing commercial product without written permission; or

infringe intellectual-property, privacy, publicity, or other rights.

7. COMMUNICATIONS

Submitting the Retirement Risk Quiz, using the Site or providing a telephone number does not by itself authorize every form of communication. Where a separate consent disclosure is presented, individuals may affirmatively agree to receive the communications described in that disclosure. Consent to receive marketing or automated text messages is not a condition of purchasing any product or service.

The 15 Minute Advisor SMS program is operated by Shoreline Financial Group, Inc. Depending on the consent provided, messages may include non-marketing operational notifications, inquiry responses, appointment confirmations, appointment reminders and related service communications. Internal staff members may also separately enroll to receive operational notifications concerning new inquiries, quiz submissions, appointments and CRM follow-up activity.

Message frequency varies. Message and data rates may apply. Mobile carriers are not liable for delayed or undelivered messages.

Recipients may reply STOP to cancel text messages at any time. After submitting STOP, the recipient may receive one final message confirming the opt-out. Reply HELP for assistance, email [email protected] or call (561) 968-4424.

SMS consent applies only to the messaging program and sender identified when consent is collected. SMS consent and mobile information are handled in accordance with our Privacy Policy.

8. PRIVACY, COOKIES, AND ADVERTISING

Our collection and use of personal information, cookies, analytics, Meta Business Tools, and advertising technologies are described in our Privacy Policy. The presence of an advertisement on Meta, Facebook, Instagram, or another platform does not mean that the platform sponsors, endorses, or is affiliated with The 15 Minute Advisor or Shoreline Financial Group, Inc.

9. THIRD-PARTY SERVICES AND PROFESSIONALS

The Site may use or link to third-party services for hosting, forms, quizzes, scheduling, communications, analytics, advertising, or other functions. We may also introduce you to independently licensed professionals when you request it. Third parties operate under their own terms, privacy policies, licensing obligations, and professional responsibilities. We are not responsible for third-party websites, products, services, representations, or conduct except to the extent required by law.

10. INTELLECTUAL PROPERTY

The Site and its content—including text, quiz design, educational materials, graphics, logos, trademarks, photographs, videos, software, page design, and compilations—are owned by or licensed to Shoreline Financial Group, Inc. and are protected by applicable intellectual-property laws.

We grant you a limited, revocable, nonexclusive, nontransferable right to access and use the Site for personal, noncommercial educational purposes. No other right or license is granted. You may not reproduce, modify, publish, distribute, sell, sublicense, publicly display, or create derivative works from Site content without prior written permission, except as allowed by law.

11. SITE AVAILABILITY AND CHANGES

We may update, suspend, restrict, or discontinue any part of the Site at any time. We do not warrant that the Site will always be available, uninterrupted, secure, current, complete, or error-free. We may correct errors and change educational content, quiz logic, features, or links without notice.

12. DISCLAIMERS

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT.

Educational examples, market data, projections, illustrations, quiz results, and third-party information may be incomplete, summarized, hypothetical, delayed, or based on assumptions. Past performance does not guarantee future results. You remain responsible for decisions made using Site information.

Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.

13. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, SHORELINE FINANCIAL GROUP, INC., THE 15 MINUTE ADVISOR, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, DATA, OR OPPORTUNITIES; OR DAMAGES ARISING FROM RELIANCE ON SITE CONTENT, USE OR INABILITY TO USE THE SITE, OR THIRD-PARTY SERVICES.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

14. INDEMNIFICATION

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Shoreline Financial Group, Inc., The 15 Minute Advisor, and their officers, directors, employees, contractors, and agents from claims, losses, liabilities, and reasonable expenses arising from your unlawful misuse of the Site, violation of these Terms, or infringement of another person’s rights.

15. GOVERNING LAW AND VENUE

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Subject to applicable law, disputes relating to these Terms or the Site will be brought in the state or federal courts located in Palm Beach County, Florida, and you consent to their jurisdiction and venue.

16. CHANGES; SEVERABILITY; NO WAIVER

We may update these Terms periodically. The Effective Date above identifies the current version. Your continued use of the Site after revised Terms are posted constitutes acceptance of the revised Terms.

If any provision is held unenforceable, the remaining provisions will continue in effect. Failure to enforce a provision is not a waiver. These Terms and the Privacy Policy constitute the agreement governing general use of the Site and do not replace separate agreements for professional or product services.

17. CONTACT US

Shoreline Financial Group, Inc.
The 15 Minute Advisor
5100 PGA Blvd.
Suite 305
Palm Beach Gardens, FL 33418

Phone: (561) 968-4424
Email: [email protected]
Website: 15minuteadvisor.com