LEGAL INFORMATION CONCERNING

WHS FINANCIAL SERVICES web site, shopping-wizard.com web site
and other web sites published by WHS Financial Services and/or Baronian Publishing and/or William H. Shackelford

All materials contained on this site are copyright © 1994-2020 (and beyond) William H. Shackelford or William H. Shackelford, dba WHS Financial Services, or William H. Shackelford, dba Baronian Publishing

"WHS FINANCIAL SERVICES" is a dba registered with the Missouri Secretary of State and is a sole proprietorship owned by William H. Shackelford, Columbia, MO and provides various financial services

"WHS FINANCIAL SERVICES" is not an insurance agency

William H. Shackelford is a licensed insurance agent in the State of Missouri

"Baronian Publishing" is a dba registered with the Missouri Secretary of State

Some quote requests procured for residents of the State of Missouri are processed by William H. Shackelford, licensed agent in the State of Missouri, only for types of insurance for which he is licensed, which includes all types of Life, Accident, Health, Annuity and Disability products. Mr. Shackelford does not provide quotes for any type of Property/Casualty products, though there is a link to a web site where quotes for auto insurance may be requested and from time to time other products or services may be available through various companies linked to by our web sites.

All quote requests procured for residents outside the State of Missouri are processed by Baronian Publishing and distributed, when possible, to appropriate licensed agents in the respective states. No warranty is expressed or implied as to whether or not any agent in any state will ever process the quote.

No guarantee or warranty is implied that you will ever receive an insurance quote, since it is dependent upon the individual agent or agency that is sent the quote requests, though it is believed that the agents or agencies, if available, want to give you a free quote in order to potentially gain the consumer's business

The manner with which quotes will be given may vary, and may come via e-mail, fax, U.S. postal mail or otherwise, at the discretion of the participating agent or agency in their respective states.

None of the parties (WHS Financial Services, Baronian Publishing, Participating Agents or Agencies, or William H. Shackelford) has any obligation whatsoever to provide you with a Free Quote or any other services. The parties shall each, individually, have the authority to do with your quote requests whatever they see fit. If the parties do determine to provide anyone with a Free Insurance Quote or other service, that will be a relationship between you and the individual party. Nothing contained herein shall be constured as a contract, an obligation, or an offer for any insurance or investment product. Though information provided herein is believed to be from reliable sources, the site and all information provided herein is provided as is, without any guarantee or warranty. Though it is believed that your submission of an insurance quote request will be promptly handled by a licenced professional, nothing contained herein shall be construed as a guarantee or warranty that that will happen. Your use of information herein and any quotes or other material that you may receive is not warranted by the author or publisher of this site. Use of this information is at your own risk and to your peril.

Nothing herein shall be construed as an offer to solicit or sell any insurance or investment product.

No warranty is expressed or implied concerning the accuracy of any quote provided by any agent or company. Any links to pages not published by William H. Shackelford, dba WHS Financial Services or dba Baronian Publishing are provided as a convenience to the visitors at this site, and no warranty is expressed or implied as to the reliability of sources outside this site. The respective sites linked are owned and operated by other entities and as such, are the copyrighted materials of their respective publishers. Use of this site and any materials contained within the site, or any materials provided by various agents and/or companies as a result of using this sites quote services, whether used by a company, the general public at large or any other entity is at the user's sole discretion, and materials are provided as is, with no warranty or guarantee of reliability. Generally speaking, from a purely legal and contractual standpoint, all laws concerning insurance contracts are administered and enforced by each state's respective Department or Division of Insurance. In addition, it should be noted that under all states laws, as far as the publisher of this site is able to determine, no quote for insurance shall be construed as an offer to sell insurance. An applicant for insurance applies, or "offers" to pay a premium for a policy, and the insurance company either accepts, counter-offers, or declines the application. Therefore, it is the prospective client that makes an "offer," not the insurance company, nor the agents. The quotes are provided by the respective agents for the sole purpose of giving informational quotes, believed to be reliable based on the information provided by the person requesting the quote. In all cases, those requesting insurance coverage should be complete, accurate and honest, as concerns their occupation, avocations, and health, in order to be provided the most accurate quote. No insurance company is obligated to accept an application unless the prospective client qualifies according to the insurance company's underwriting guidelines, and of course, the insurance company must comply with any laws and regulations of the appropriate state. For further information, it is suggested that you contact your state's Department or Division of Insurance.

SPECIAL LEGAL NOTICES CONCERNING CREDIT PRODUCTS AND/OR SERVICES THAT MAY BE AVAILABLE THROUGH OUR WEB SITES:

*LEGAL DISCLAIMER: No warranty or guarantee of any kind is expressed or implied. You may or may not qualify for some credit card programs or other programs contained herein. The publisher of this site has no control whatsoever over the credit granting criteria of credit grantors. The individual publishers of the various sites listed and/or linked to herein are responsible for their own web sites, criteria for programs and any claims that they may make, and though all programs, products and services were researched and are believed to offer superior value to their clients, offers are subject to change without notice and the publisher of this site does not express any warranty or guarantee whatsoever as to the accuracy of the advertising banners contained herein, nor does the publisher of this site have any control over the practices, changes or other matters pertaining to the sites linked to or the companies that publish those sites. Please refer any comments regarding those sites linked to herein directly to the publisher of those sites. The publisher of this site is not engaged in any form of "credit consulting," or "credit repair services." The publisher of this site is an independent marketing representative of the various products and services listed and linked to herein, and not an employee of those companies. All banner ads contained herein are copyrighted and used with permission. Bottom line, these links are provided to be of service to consumers that may need such products and services referred to herein, but the publisher of this site makes no claims, warranties or guarantees whatsover. Though there may be certain guarantees or warranties offered by the various companies that offer the products and services listed or linked to herein, the publisher of this site is not responsible in any way for the performance of those warrantees or guarantees, and the performance of such warranties or guarantees rests with the respective companies themselves. By using this site and/or clicking on any of the links contained herein, you are hereby acknowledging this LEGAL DISCLAIMER and all of it's content. Offers contained herein are generally available to U.S. Residents and may or may not be available to citizens outside the United States as dictated by the individual companies offering these products and/or services. Further, some services or products may not be available in your respective state. This page and all contents, design, html code, and other materials on this web site are COPYRIGHTED and protected by both United States and International Copyright Laws.

If any of the provisions of this legal disclaimer are held to be invalid by any legal authority, it does not invalidate any of the other provisions or parts thereof.

Any legal disputes arising from the use of this site shall be handled under the jurisdiction of the County of Boone, State of Missouri.

USE OF THIS SITE, IT'S CONTENTS, AND ANY LINKS TO OTHER SITES, IS THE SOLE RESPONSIBILITY OF THE USER AND NO WARRANTY OR GURARANTEE OF ANY KIND IS EXPRESSED OR IMPLIED. USE OF THIS SITE IS YOUR ACKNOWLEDGEMENT AND AGREEMENT TO ALL OF THE TERMS, CONDITIONS AND PROVISIONS CONTAINED HEREIN.

THIS WEB SITE IS NOT A REPLACEMENT FOR COMPETENT PROFESSIONAL ADVICE AND/OR SERVICES! WE HIGHLY RECOMMEND THAT YOU SEEK PROFESSIONAL ADVICE FROM THE APPROPRIATE PROFESSIONALS CONCERNING YOUR FINANCIAL AFFAIRS, ACCOUNTING, LEGAL MATTERS, ETC.