Terms of Service

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Effective Date: July 22, 2026

Welcome to calebrivers.com (the "Site"), operated by Equity Stream Financial Services ("ESFS," "we," "us," or "our"). By using this Site, you agree to the following terms.

Educational Purpose Only

Caleb Rivers is an educational brand. Content on this Site, including articles, assessments, and quizzes, is for general informational and educational purposes only. It does not constitute financial, legal, or tax advice, and should not be relied upon as a substitute for personalized advice from a qualified professional.

No Guarantee of Results

Any examples, strategies, or illustrations discussed on this Site are for educational purposes and do not guarantee any specific outcome. Insurance and financial products carry risk, terms, and conditions that vary by carrier and are described in official policy documents, not on this Site.

Insurance and Financial Products

Insurance products and services referenced on this Site are provided through Equity Stream Financial Services. CA License #4313462. Product availability and features vary by state and carrier.

Use of the Site

You agree to use this Site only for lawful purposes. You agree not to misuse the Site, attempt to gain unauthorized access, or interfere with its normal operation.

Assessment and Contact Forms

Information submitted through our assessment or contact forms is used to follow up with you regarding your inquiry, consistent with our Privacy Policy.

Intellectual Property

All content on this Site, including text, graphics, and logos, is the property of Equity Stream Financial Services or its licensors and may not be copied or reproduced without permission.

Limitation of Liability

To the fullest extent permitted by law, ESFS is not liable for any damages arising from your use of this Site or reliance on its content.

Changes to These Terms

We may update these Terms of Service from time to time. Continued use of the Site after changes constitutes acceptance of the updated terms.

Contact Us

If you have questions about these Terms of Service, please contact us at esfsron@gmail.com.

These Terms of Service are provided for general informational purposes and do not constitute legal advice.