Financial Disclaimer

1. General Disclaimer

The content provided on the Dada Global Financial Group website (dadaglobalfin.com) is for general informational and educational purposes only. Nothing on this website should be construed as personalized financial advice, tax advice, legal advice, or a recommendation to buy or sell any financial product.

All information is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on this site. Your use of the website and reliance on any information is solely at your own risk.

You should consult with a qualified financial professional, tax advisor, or attorney before making any financial decisions. Individual circumstances vary, and what may be appropriate for one person may not be suitable for another.

2. Insurance Product Disclaimers

All insurance products described on this website are subject to the following important conditions:

• Underwriting Requirements: All coverage is subject to underwriting approval by the issuing insurance carrier. Approval, terms, conditions, and premium rates are determined by the carrier and may vary based on the applicant's age, health status, lifestyle, and other risk factors.
• Product Variation: Product features, benefits, limitations, exclusions, and terms vary by product type, insurance carrier, and state of issue. Not all products or product features are available in every state.
• Policy Terms Govern: The actual terms and conditions of any insurance policy are set forth in the policy contract issued by the insurance carrier. In the event of any discrepancy between information on this website and the policy contract, the policy contract shall govern.
• Claims-Paying Ability: Insurance product guarantees, including death benefits and cash value accumulation, are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not guaranteed by any bank, the federal government, or this agency.
• Illustrations: Any policy illustrations or projections shown are hypothetical and are not guaranteed. Actual results may vary significantly from illustrated values.

3. Annuity Disclaimers

Annuities are long-term financial products designed for retirement planning. Please be aware of the following:

• Guarantees: All guarantees associated with annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier. Guarantees do not apply to the performance of any underlying investment options in variable annuities.
• Surrender Charges: Annuities typically carry surrender charge periods. Withdrawals made during the surrender charge period may be subject to significant surrender charges, which can reduce the value of your annuity. Surrender charge schedules vary by product and carrier.
• Tax Penalties: Withdrawals from annuity contracts prior to age 59½ may be subject to a 10% federal tax penalty in addition to ordinary income tax on any gains. Tax rules are complex and subject to change. Consult your tax advisor for guidance specific to your situation.
• Not FDIC Insured: Annuity products are not bank deposits and are not insured by the FDIC, NCUA, or any other federal agency. They are not obligations of or guaranteed by any bank or credit union. They involve investment risk, including the possible loss of principal (for variable annuities).
• Liquidity: Annuities are generally illiquid investments. While most annuities allow penalty-free withdrawals up to a certain percentage annually, access to your full account value may be restricted during the surrender period.

4. Estate Planning Disclaimer

Any information provided on this website regarding estate planning is for general educational purposes only and does not constitute legal advice. Dada Global Financial Group and The Peoples Company Agency LLC are not law firms and do not provide legal services.

Estate planning involves complex legal, tax, and financial considerations that vary by state and individual circumstance. You should consult with a qualified estate planning attorney and tax professional before implementing any estate planning strategy. We may work in coordination with your legal and tax professionals to help ensure your financial products align with your broader estate plan.

5. Independent Agent Disclosure

Olufemi Moses Dada and Olubukolami Dada are licensed independent insurance agents associated with The Peoples Company Agency LLC. They are not employees, officers, or directors of any insurance carrier or financial institution whose products they may recommend or sell.

As independent agents, they may offer products from multiple insurance carriers. The products and carriers presented to you are selected based on your individual needs and circumstances; however, they may not represent every carrier or product available in the marketplace.

Compensation for insurance products is typically received in the form of commissions paid by the issuing insurance carrier. This compensation structure does not increase the cost of the product to you.

6. Carrier Relationships

Dada Global Financial Group and The Peoples Company Agency LLC operate as independent entities. We are not affiliated with, owned by, or endorsed by any insurance carrier beyond our standard contractual appointments.

Any references to carrier ratings (such as A.M. Best, Standard & Poor's, Moody's, or Fitch ratings) reflect the rating agency's assessment of the carrier's financial strength and are not endorsements of the products offered. Ratings are subject to change and should be verified independently.

The carriers whose products we offer have been selected based on their financial strength, product offerings, and suitability for our clients' needs. However, the availability of specific carriers and products may change over time.

7. State Availability

Insurance and annuity products are not available in all states. Product availability, features, benefits, and premium rates may vary by state due to differences in state insurance regulations. Some products may have state-specific modifications, endorsements, or restrictions.

If you are unsure whether a particular product is available in your state, please contact us for current availability information.

8. No Guarantee of Results

Past performance, policy illustrations, hypothetical examples, and projected returns are not guarantees of future results. Financial and insurance outcomes depend on numerous factors, including but not limited to:

• Market conditions and interest rate environments
• The financial strength of the issuing carrier
• Individual policy terms, riders, and options selected
• Premium payment history and timing of withdrawals
• Changes in tax laws and regulations
• Individual health and insurability factors

No agent, representative, or employee of Dada Global Financial Group or The Peoples Company Agency LLC is authorized to make any guarantees regarding the future performance of any financial or insurance product.

9. Contact for Questions

If you have any questions about this financial disclaimer or any of the products and services discussed on this website, please do not hesitate to contact us:

Dada Global Financial Group
The Peoples Company Agency LLC
Houston, TX 77036
Phone: (682) 228-9688
Email: olu@dadaglobalfinancial.com

We are committed to transparency and are happy to answer any questions you may have about our services, the products we offer, or the information presented on this website.