Terms of Use

These terms apply to KAILA at gdifinance.com, operated by [COMPANY LEGAL NAME]. By using KAILA you agree to them.

Education only

KAILA explains how an indexed universal life (IUL) illustration or policy is structured, including how its premiums compare with IRS limits and how much of the illustrated growth remains after policy charges. It is educational information only. It is not financial, investment, tax, legal or insurance advice. It is also not a recommendation to buy, keep, change, replace, exchange or surrender any policy. Talk with a licensed professional before making any decision.

AI-generated, and it can be wrong

Reports are created by artificial intelligence from the document or numbers you provide. KAILA can misread a document or make mistakes. Always check important figures against your policy and with your insurance company or a licensed professional.

Illustrations are not guarantees

Illustrations are projections built on non-guaranteed assumptions. Actual results will differ. KAILA's report describes the illustration; it does not predict how your policy will perform.

Beta

KAILA is in beta. It may change, have limits on how many checkups you can run, or be unavailable at times.

Your use

• Only upload documents you are allowed to share, such as your own policy documents or ones you have permission to use.
• Don't try to overload, copy, reverse-engineer or misuse the service.
• You must be 18 or older.

Speaking with a specialist

If you ask to speak with an IUL specialist, Laser Financial, [describe relationship], may contact you as described when you made the request. Any advice or products they offer are separate from KAILA.

No warranty; limitation of liability

KAILA is provided "as is," without warranties of any kind. To the extent the law allows, we are not liable for any loss arising from your use of KAILA or reliance on its reports. [Legal: finalize this section]

Governing law

[STATE] law governs these terms.

Contact

[COMPANY LEGAL NAME, CONTACT EMAIL]