Terms of Use & Disclaimer
Last updated: August 2026
Important: This website is operated by David Zepeda, a licensed insurance agent in the State of Nevada (Agent License #761115). David Zepeda is a licensed Farmers Insurance® agent. This site is not an official Farmers Insurance website. Views expressed are his own and not statements or endorsements by or for Farmers. For required disclosures, visit farme.rs/disclosure.
1. Acceptance of Terms
By accessing or using this website (zepedawealth.com), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of this site immediately. We reserve the right to modify these terms at any time without prior notice.
2. Not Financial or Legal Advice
The content on this website is provided for informational and educational purposes only and does not constitute financial, tax, legal, or investment advice. All strategies, concepts, and product descriptions are general in nature. Individual results will vary based on personal financial circumstances, health status, and applicable regulations.
You should consult with a qualified financial advisor, tax professional, or attorney before making any financial decisions.
3. Insurance Licensing Disclosure
David Zepeda is licensed to sell life insurance products in the State of Nevada. Agent License #761115 — Nevada Department of Insurance. Licensure in other states may be required before conducting insurance business in those jurisdictions. This website does not constitute an offer to sell insurance in any jurisdiction where such offer would be unlawful.
4. Product Disclaimer
Life insurance products referenced on this website are offered through licensed carriers, subject to eligibility and underwriting. Product availability, features, and rates are subject to change and may vary by state.
- Not a deposit or bank obligation
- Not FDIC or NCUA insured
- Not insured by any federal government agency
- Not guaranteed by any bank or savings institution
5. No Guarantee of Results
Any references to protection strategies or accumulation outcomes are based on general product features. Past performance is not indicative of future results. Individual results will vary based on personal circumstances, health, and applicable policy terms.
6. Eligibility Requirements
Services offered through this website are available exclusively to U.S. Citizens and Lawful Permanent Residents with a valid Social Security Number (SSN) and verifiable U.S. tax status. Inquiries from individuals who do not meet these criteria cannot be processed.
7. Third-Party Links
This website may contain links to third-party websites (including Calendly scheduling). We are not responsible for the content, privacy practices, or accuracy of any third-party site. Links are provided for convenience only and do not constitute an endorsement.
8. Intellectual Property
All content on this website, including text, graphics, and downloadable materials (including the Nevada Family Protection Guide), is the property of David Zepeda and may not be reproduced, distributed, or used without express written permission.
9. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of law provisions. Any disputes shall be resolved in Clark County, Nevada.
10. Contact
David Zepeda
Licensed Insurance Agent — NV License #761115
Las Vegas, Nevada (Clark County)
Email: david@zepedawealth.com
David Zepeda is a licensed Farmers Insurance® agent in the State of Nevada. Agent License #761115. Insurance products are offered through Farmers Insurance and its affiliated companies, subject to eligibility and underwriting. Views expressed are his own and not statements or endorsements by or for Farmers. For required disclosures, visit farme.rs/disclosure. Life insurance products are also offered through licensed carriers, subject to eligibility and underwriting. Not a deposit. Not FDIC insured. Not insured by any federal government agency. Not guaranteed by any bank or savings association.