Terms & Conditions

Summa Planning Group is a website located at summaplanning.com and is owned and operated by Summa Planning Group, LLC. These Website Terms and Conditions are revised as of October 16, 2026.

Welcome to summaplanning.com (the "Website"). Summa Planning Group provides access to the Website to you subject to the following terms and conditions. In return for accessing the Website, you agree to be bound by these terms and conditions of use without limitation or qualification. This is a legally binding agreement between you as a visitor to the Website (sometimes referred to as "you," or "your" hereinafter) and Summa Planning Group (sometimes referred to as "we," "our" or "us" hereinafter). If you do not intend to be legally bound by these terms and conditions of use, do not access or use the Website. Essentially, if you visit the Website, you accept all terms and conditions of use. Please read them carefully.

We may modify these terms and conditions from time to time. If you do not agree to any modifications, you should terminate your use of our Website. Your continued use of the Website will constitute a binding acceptance by you of these terms and conditions, or any subsequent modifications.

Website and Services

The Website provides you with the ability to access educational content about insurance planning, complete the Responsibility Readiness Assessment™, request a Responsibility Review™, register for webinars, contact us, and access other services that may be available in the future (collectively referred to as the "Service"). More specifically, our "Service" includes the text, software, scripts, graphics, photos, sounds, music, videos, audiovisual combinations, interactive features and any other materials you may view on, access through, or contribute to the Website.

The Service may contain links to third-party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. By using our Website and the Service, you expressly relieve us from any and all liability arising from your use of the Website and the Service, including any third-party website.

Nature of Our Services and Important Disclosures

Educational Content Only

All content on the Website is provided for general educational and informational purposes only. Nothing on the Website constitutes legal, tax, accounting, investment, or medical advice, nor an individualized recommendation to purchase or modify any insurance or annuity product. No attorney-client, fiduciary, or advisory relationship is created by your use of the Website.

Licensing and Scope

Michael Pereira is licensed for Life & Health Insurance. Insurance and annuity products are offered through Summa Planning Group. Michael Pereira is not a Certified Financial Planner (CFP®), Registered Investment Adviser (RIA), or fiduciary investment adviser, and does not provide securities, investment, or financial planning advice. We are licensed to offer insurance products in [LIST OF STATES], and nothing on this Website is an offer to sell insurance in any state where we are not licensed.

Product Guarantees

Any product guarantees referenced on the Website are subject to the claims-paying ability of the issuing insurance carrier. Product features, availability, costs, and provisions vary by carrier, product, and state, and are subject to change. Policy illustrations are not promises of future performance. Any specific recommendation requires a review of your individual circumstances and is subject to carrier underwriting.

The Responsibility Readiness Assessment™

The Assessment is an educational self-assessment tool. Your score and results are general in nature, are based solely on the answers you provide, and do not constitute an individualized recommendation or a complete review of your circumstances. Results should not be relied upon as the sole basis for any financial, legal, or insurance decision.

The Responsibility Review™

A Responsibility Review™ is a review-first conversation. Requesting one does not create any obligation to purchase a product, and not every conversation results in a recommendation.

Webinars

The Website may enable you to register for webinars. In order to register, you will be required to provide your name and email address, and may have the option to provide your telephone number should you wish to receive additional information. Webinars are educational in nature and subject to the same disclosures set out above.

Coordination with Other Professionals

We work alongside attorneys, CPAs, investment professionals, and other specialists. We do not provide the services those professionals provide, and a reference to coordination does not constitute an endorsement of, or responsibility for, the services of any other professional.

To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose for any information contained within the Website. We will not be liable for any damages of any kind arising from or relating to the use of the Website, or any of the information contained therein, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages.

Service Use Terms

Eligible Users

You must be at least 18 years of age to access and use the Service. Any use of the Website or Service is void where prohibited. We may, in our sole discretion, refuse to offer the Service to any person or entity and change eligibility criteria at any time.

Monitoring and Removal of Content

We reserve the right, but have no obligation, to monitor content on the Service, including written communication submitted when you contact us. We reserve the right, but are not obligated, to delete, move, or edit messages or materials that we, in our sole discretion, may deem to violate these terms and conditions.

Notices and Restrictions

The Service may contain content provided by us or our partners, and such content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information, and restrictions contained in any content accessed through the Service.

Use License

Subject to these terms and conditions, we grant you a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) content solely for purposes of using the Service. Use, reproduction, modification, distribution, or storage of any content for other than purposes of using the Service is expressly prohibited without prior written permission from us. You shall not sell, license, rent, or otherwise use or exploit any content for commercial use or in any way that violates any third-party right.

License Grant

By submitting content through the Service, you grant us a worldwide, non-exclusive, revocable, royalty-free, fully paid, sublicensable and transferable right and license to access, use, reproduce, distribute, display, transmit, store and cache that content solely to the extent necessary to provide the Service. We do not claim ownership of content you submit. You represent and warrant that you have all rights necessary to grant such licenses without infringement of any third-party rights.

Testimonials

Any testimonials appearing on the Website reflect the individual experience of the person giving them, are not paid unless disclosed, and are not a guarantee or indication of the results any other person should expect.

General Permissions and Restrictions

We grant you permission to access and use the Service provided that: (i) you agree not to distribute in any medium any part of the Service; (ii) you agree not to alter or modify any part of the Service; (iii) you agree not to access the Service through any technology or means other than explicitly authorized means; (iv) you agree not to use the Service for commercial resale or for the sale of advertising or sponsorships; (v) you agree to comply with all applicable laws; and (vi) you agree not to violate any of these terms and conditions. We reserve the right to discontinue any aspect of the Service or terminate your access at any time for any reason.

Further Restrictions on Use

You shall not: (i) take any action that imposes an unreasonable or disproportionately large load on our infrastructure; (ii) interfere with the proper working of the Service; (iii) bypass or attempt to bypass any measures we may use to prevent or restrict access to the Service; (iv) run any form of auto-responder or spam on the Service; (v) use manual or automated software to crawl or spider any page of the Website; (vi) harvest or scrape any content from the Service; (vii) decipher, decompile, disassemble, or reverse engineer any part of the Service; or (viii) modify, translate, or create derivative works of any part of the Service. You shall abide by all applicable local, state, national and international laws and regulations.

Termination

We may terminate your access to all or any part of the Service at any time, with or without cause, with or without notice, effective immediately. All provisions of these terms and conditions which, by their nature, should survive termination shall survive, including licenses of content, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Additional Terms

Geographic Scope

While this Website may be viewed internationally, you agree that: (i) the Service shall be deemed solely based in Florida; and (ii) the Service shall be deemed a passive website that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than Florida.

Electronic Communications

When you visit the Website, contact us through the Website, or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Acceptance of Modification of Terms and Conditions

We may amend these terms and conditions at any time by posting the amended terms on the Website. By continuing to use the Service or the Website, you agree that the amended terms will apply to you.

Copyright

All content included on the Service, including text, design, graphics, logos, button icons, images, audio clips, digital downloads, interfaces, data compilations, software, and code, is our property and is protected by United States and international copyright laws.

Trademarks

We own the following registered and unregistered trademarks, service marks, trade names, graphics, and logos that appear on this Website, including, without limitation:

Summa Planning Group
Responsibility Readiness Assessment™
Responsibility Review™
The Autism Voyage® is a registered trademark of Pacer Consulting LLC.

These marks may not be used in connection with any business, product, or service whose source is not ours, in any manner that is likely to cause confusion, or in any manner that disparages or discredits us. All other trademarks, service marks, trade names, and logos not owned by us that appear on the Service are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.

Copyright Complaints

We respect the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide the following information to our Copyright Agent:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
A description of the copyrighted work that you claim has been infringed upon;
A description of where the material that you claim is infringing is located on the Website;
Your address, telephone number, and email address;
A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the above information is accurate, and that you are the copyright owner or authorized to act on the copyright owner's behalf.

THIS POLICY IS INTENDED TO COMPLY FULLY WITH THE REQUIREMENTS OF THE ONLINE COPYRIGHT INFRINGEMENT LIABILITY LIMITATION ACT.

Disclaimer of Warranties and Limitation of Liability

The Website is provided by us on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. You expressly agree that your use of the Website is at your sole risk.

To the fullest extent permissible by applicable law, WE disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. WE DO NOT warrant that the Website, its Service, its servers, or email sent from us are free of viruses or other harmful components. WE will not be liable for any damages of any kind arising from or relating to the use of the Website, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages. YOU AGREE THAT OUR MAXIMUM LIABILITY TO YOU FOR BREACH OF THIS AGREEMENT, OR FOR ANY OTHER REASON, SHALL BE LIMITED TO THE AGGREGATE AMOUNT OF FEES YOU HAVE PAID FOR USE OF THE SERVICE, IF ANY.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Governing Law

This Service was developed in the United States of America in accordance with and shall be governed by the laws of the State of Florida. By using the Service, you agree that the laws of the State of Florida, without regard to principles of conflict of laws, will govern these terms and conditions of use, and any dispute of any sort that might arise between you and us.

Disputes

You agree that any and all controversies, disputes or claims arising out of your use of the Website, the Service, or these terms and conditions shall be exclusively governed and decided by binding arbitration under the Federal Arbitration Act in conformity with the Rules and Procedures established by the American Arbitration Association. The determination of the arbitrator shall be final and binding. The arbitration shall be presided over by a single impartial independent arbitrator appointed by the AAA. The parties agree that the issue of arbitrability shall also be decided by such arbitrator. Each party shall bear its own costs in any arbitration. The place of arbitration shall be Miami-Dade County, Florida.

YOU WAIVE ANY RIGHT TO LITIGATE SUCH CONTROVERSIES, DISPUTES, OR CLAIMS IN A COURT OF LAW, AND WAIVE THE RIGHT TO TRIAL BY JURY. THE ARBITRATOR SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ANY AND ALL DISPUTES OVER THE VALIDITY AND ARBITRABILITY OF ANY PART OF THIS AGREEMENT. YOU SPECIFICALLY WAIVE ANY RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN ANY CLASS ACTION OR COLLECTIVE ACTION YOU MAY HAVE AGAINST US. YOU AGREE THAT ALL CLAIMS BETWEEN YOU AND US WILL BE LITIGATED INDIVIDUALLY.

Severability, Waiver, Assignment, and Merger

If any of these terms or conditions is deemed invalid, void, or for any reason unenforceable, that condition will be deemed severed and will not affect the validity and enforceability of any remaining condition. Headings are for reference purposes only. Our failure to enforce any right or failure to act with respect to any breach by you will not constitute a waiver of that right. We shall have the right to assign these terms and conditions to any person or entity. You may not assign them. This constitutes the entire agreement between you and us and governs your use of the Website and the Service.

Notice as to Modification

We reserve the right, in our sole discretion, to change, modify, add to, or remove portions of the Website, Service, and these terms and conditions at any time. You should check these terms and conditions periodically for changes. By using the Website after we post any changes, you agree to accept those changes, regardless of whether you have reviewed them.