Terms of Service

Effective Date: December 4, 2025

Last Updated: December 4, 2025

1. No Government Affiliation

This website is privately owned by Torrey Advisory and Torrey Insurance Services. It is not affiliated, endorsed, or operated by the U.S. government, the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), the Internal Revenue Service (IRS), or any other state or federal agency.

2. Informational Use Only

All content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes legal, tax, fiduciary, insurance, financial, or medical advice.

3. Services Provided & Licensing

Torrey Advisory provides tax preparation, tax planning, and fiduciary services. Torrey Insurance Services provides insurance services, including Medicare-related products.

4. User Responsibilities

You agree NOT to use the Site for unlawful purposes, copy or distribute content without permission, attempt unauthorized access, or interfere with Site performance.

5. Intellectual Property

All content is the property of Torrey Advisory and Torrey Insurance Services

6. Limitation of Liability

We disclaim liability for inaccuracies, reliance on content, or third‑party links. Use of the Site is at your own risk.

7. Privacy & Communications

Your use of the Site is governed by our Privacy Policy. By submitting your information, you consent to receive communications from us.

8. Third‑Party Links

We are not responsible for external websites.

9. Changes to Terms

We may revise these Terms at any time.

10. Governing Law

These Terms are governed by California law.

11. Contact Information

Torrey Advisory & Torrey Insurance Services

Email: eva@torreycpa.com

Phone: 858‑544‑0017

Website: www.torreycpa.com