Gautier & Associates LLC (“Gautier & Associates,” “we,” “us”) and Elías Gautier (“Authorized Representatives”) operate the websites www.eliasgautierrepresentanteautorizado.com and www.representantesautorizados.com (the “Site”). These Terms and Conditions (“Terms”) govern your access to and use of the Site and the resources, forms, content, and services offered.

Effective Date / Update: January 2026

​

1) Acceptance of the Terms

By visiting, browsing, or using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, you must stop using the Site.

​

2) Nature of the Site: Information and Services

The Site may include:

• Educational content (articles, guides, downloadable resources).

• Forms for requesting information, scheduling consultations, or receiving materials.

• Informational consultation services and coordination of insurance-based options.

• In some cases, digital products/services (templates, educational materials, or others) offered by Gautier & Associates LLC may be listed with a price.

• Important Disclosure (Compliance): The content of this Site is for informational purposes only and does not constitute legal, tax, accounting, or investment advice. Any insurance product (including life insurance, annuities, or other coverage) is subject to eligibility, contract terms and conditions, and the issuing insurer's approval. Guarantees (if applicable) depend on the insurer's claims payment capacity.

​

3) Registration and Accounts

Some areas may require registration. You agree to provide truthful information and keep it up to date. You are responsible for protecting your username/password and all activity under your account. Please notify us immediately if you suspect unauthorized access.

​

4) Requests, Quotes, and Transactions

Where applicable, any request or transaction may require verification, confirmation, or validation (e.g., availability, identity verification, payment method, email confirmation, or other reasonable processes). We reserve the right to reject or cancel applications in cases of fraud, misuse, or breach of these Terms.

​

Prices: Published prices (if applicable) are valid only for purchases made on the Site and may change without notice, unless otherwise required by law.

​

5) Refund Policy (if applicable to digital products/services)

For digital products or intangible services offered and delivered electronically, refunds are generally not offered once the product has been delivered or the service completed, unless:

the delivered product does not substantially match the published description, or an exception is expressly stated at the time of purchase. When a warranty or refund is available, the specific terms will be indicated on the product/service page.

​

6) Content License

We grant you a limited, non-exclusive, and non-transferable license to access and use the Site for personal, non-commercial purposes, in accordance with these Terms.

​

7) Unauthorized Use

You may not:

• copy, resell, redistribute, or publish Site content/resources without written authorization;

• use the Site for fraudulent, deceptive, or illegal purposes;

• interfere with the security, integrity, or operation of the Site;

• attempt to gain unauthorized access to systems, accounts, or data;

• upload malware, destructive scripts, or unauthorized automation;

• collect personal information from other users without permission.

​

8) Intellectual Property

All content on the Site (text, logos, designs, graphics, documents, resources, software, and brand elements) is owned by or licensed to Gautier & Associates LLC and/or Elías Gautier and is protected by Puerto Rico, United States, and international laws. Nothing in these Terms grants you ownership rights to the content.

​

9) Links to Third Parties

The Site may contain links to third-party websites. We do not control or endorse their content or practices. You assume all risk when accessing such links.

​

10) Prohibited Activities During Consultations and Communication

The following conduct is prohibited:

• fraudulent, false, or deceptive;

• harassing, abusive, threatening, or illegal;

• defamatory, obscene, or sexually explicit;

• that violates copyrights, trademarks, or confidentiality;

• that promotes crime or causes harm to third parties;

• that involves identity theft or providing false information.

• We may suspend or terminate access or communications if these Terms are violated.

​

11) Privacy

The use of your personal information is governed by our Privacy Policy, available on the Site. You acknowledge that internet use is not 100% secure and that we implement reasonable security measures.