Terms & Disclaimers

Last Updated: June 2026

1. Acceptance of Terms

By accessing or using the Gulf Coast Legacy Advisors website (the "Site") or engaging with any content, materials, or communications provided by Gulf Coast Legacy Advisors ("we," "us," or "our"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Disclaimers. If you do not agree with any portion of these terms, please discontinue your use of the Site immediately.

We reserve the right to update or modify these terms at any time without prior notice. Changes take effect upon posting to the Site. Continued use of the Site after any modification constitutes your acceptance of the revised terms.

2. Not a Licensed Investment Advisor

Gulf Coast Legacy Advisors and its principal, Gustavo Coutin, operate as a financial strategist and insurance professional licensed in the State of Florida. Gulf Coast Legacy Advisors is not a registered investment advisor, broker-dealer, or securities firm. We do not manage investment portfolios, provide securities recommendations, or offer investment advisory services as defined under the Investment Advisers Act of 1940 or applicable Florida law.

Our services focus on life protection planning, annuity solutions, and legacy financial strategies — not the purchase, sale, or management of securities. If you require investment advisory services, you should consult a duly registered investment advisor.

3. Educational Purposes Only — Not Financial Advice

All content published on this Site — including articles, blog posts, guides, videos, social media content, and any other materials — is provided for general educational and informational purposes only. Nothing on this Site constitutes, or should be construed as, personalized financial advice, investment advice, tax advice, legal advice, or any other professional advisory service.

Every individual's financial situation is unique. Before making any financial decision, including the purchase of any insurance or annuity product, you are strongly encouraged to consult with qualified professionals — including licensed financial advisors, tax professionals, and legal counsel — who can assess your specific circumstances.

The information provided on this Site does not take into account your personal financial objectives, situation, needs, or risk tolerance. Reliance on any information provided on this Site is solely at your own risk.

4. Life Protection & Annuity Products

Life protection plans and annuity products discussed or referenced on this Site are insurance products, not investment products. The following important disclosures apply:

5. No Guarantee of Results

Any examples, case studies, illustrations, or projections presented on this Site are hypothetical in nature and are intended solely for illustrative purposes. Past performance does not guarantee future results. No representation is made that any strategy, product, or approach described on this Site will achieve specific outcomes, returns, or financial goals.

Actual results will vary based on individual circumstances, product terms, carrier performance, market conditions, tax laws, and other factors outside our control. You should not rely on any illustration or projection as a prediction of future performance.

6. Third-Party Links

This Site may contain links to third-party websites, resources, or services for your convenience and reference. These links do not constitute an endorsement, sponsorship, or recommendation of the linked site, its content, products, or services by Gulf Coast Legacy Advisors.

We have no control over the content, privacy practices, or accuracy of information found on third-party websites, and we accept no responsibility or liability for any loss or damage that may arise from your use of such sites. When you leave our Site via a third-party link, you do so at your own risk and should review the applicable terms and privacy policies of that website.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Gulf Coast Legacy Advisors, its principal, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in connection with:

In no event shall our total liability to you for all claims arising out of or relating to the use of the Site exceed one hundred dollars ($100.00 USD). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

8. Disclaimer of Warranties

The Site and all content, materials, and information provided through it are offered on an "as is" and "as available" basis, without warranties of any kind — either express or implied — including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. Gulf Coast Legacy Advisors does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Government Agency Disclaimer

Gulf Coast Legacy Advisors is an independent financial services firm and is not affiliated with, endorsed by, or acting on behalf of any government agency, including but not limited to the Social Security Administration, Medicare, Medicaid, or any federal or state government body. Any reference to government programs on this Site is for informational purposes only.

10. Governing Law & Jurisdiction

These Terms & Disclaimers and any disputes arising out of or related to your use of this Site or our services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. You agree that any legal action or proceeding relating to these terms shall be brought exclusively in the state or federal courts located in Lee County or Collier County, Florida, and you hereby consent to the personal jurisdiction of such courts.

11. Contact Us

If you have questions about these Terms & Disclaimers, or wish to discuss any aspect of our services, please contact us:

We welcome your questions and are committed to providing clear, transparent communication about our services and your options.