Terms of Use
Effective date: October 3, 2026
In these pages, “Crowned Empire,” “we,” and “us” mean Barbara Sarti, a licensed Florida insurance agent (FL License #W788222, NPN 200990589), operating the Crowned Empire website at crownedempire.com, a Crowned Visionary Media brand. “You” means anyone who visits the site.
Acceptance
By using this site, you agree to these terms. If you do not agree, please do not use the site.
Information only
Everything on this site is general information. It is not an offer or solicitation to sell insurance, and it is not a quote, application, binder, or contract of coverage. Coverage exists only if you apply, a carrier approves you, and a policy is issued, and then only under the terms of that policy.
Where we can help
Barbara Sarti is licensed in Florida. We do not offer or solicit insurance in any state where we are not licensed. If you live outside Florida, we may not be able to help you.
No guarantees
Coverage is subject to underwriting, carrier availability, and state rules. We do not guarantee approval, premiums or rates, or benefits. Examples on this site, such as paying off a mortgage after a death or illness, describe what some policies may do. They are not promises about any particular policy or person.
Not financial, tax, or legal advice
Nothing on this site is financial, tax, or legal advice. Talk to a qualified professional about your own situation. Illustrations for permanent or cash-value policies, including indexed universal life (IUL), are not guaranteed.
Booking a call
Calls are booked through Calendly. Booking a free call does not obligate you to buy anything and does not create an insurance policy. By booking, you consent to be contacted about your request, as described in our Privacy Policy. Calendly’s own terms apply to its service.
Your use of the site
Please do not misuse the site, try to break or overload it, or copy its content for commercial use without permission. The Crowned Empire name, crown mark, text, and design belong to us or are used with permission.
Third-party links and services
The site may link to or load services from others (for example Calendly and Google Fonts). We are not responsible for their content or practices.
No testimonials
This site does not currently show client testimonials or reviews.
Limitation of liability
The site is provided “as is.” To the fullest extent the law allows, we are not liable for losses that result from relying on the information on this site. Nothing here limits any rights you have under Florida or federal law, or under an insurance policy you buy.
Age
This site is intended for adults 18 and older.
Governing law
These terms are governed by the laws of the State of Florida.
Changes and contact
We may update these terms; the effective date shows the latest version. Questions: [email protected].