The terms on which this site is offered.

Effective 8 November 2026.

1. Agreement

tengolife.com (the "site") is operated by Tengo Holdings Incorporated, a Delaware corporation ("Tengo," "we," "us"). By using the site you agree to these terms. If you do not agree, please do not use it.

2. What the site is

The site introduces Tengo and the work it has been building. It is informational. Nothing on it is an offer to sell, or a solicitation to buy, any insurance policy, financial product, or security, in any jurisdiction, and nothing on it is insurance, investment, tax, or legal advice. Life insurance products are offered only through licensed insurance producers, only in the states where they and the issuing insurer are licensed, and only by means of a written application and the insurer's own policy documents, which alone govern any policy's terms. Any description of how an instrument works is general, and whether any instrument suits a particular person depends on that person's circumstances and on a review no website can perform.

Tengo Holdings Incorporated is not an insurance company. It does not issue, underwrite, or guarantee any policy. Statements about Tengo's platform describe work in development and do not promise any feature, timeline, or result.

3. Writing to us

The site invites you to write to us by email. Doing so does not create a client, customer, advisory, or fiduciary relationship, and nothing you send us is confidential unless we have agreed in writing that it is. Please do not send us sensitive personal, health, or financial information unless we ask for it in the course of a relationship we have agreed to. What we do with email you send is described in our Privacy Policy.

4. Our content

The text, images, video, design, and the Tengo name and wordmark on the site belong to Tengo or are used with permission, and are protected by copyright and trademark law. You may view the site and share links to it. You may not copy, modify, distribute, or use its contents for any commercial purpose without our written permission. Some images and portraits on the site were made with the assistance of AI tools from photographs and references we supplied; they are our work and are covered by the same terms.

5. Acceptable use

You agree not to use the site in any way that is unlawful, that interferes with its operation or security, that scrapes or harvests its contents or any email address on it, or that misrepresents your identity or affiliation.

6. Links

The site links to sites we do not operate, including LinkedIn. We are not responsible for their content or practices, and a link is not an endorsement.

7. No warranty

The site is provided as it is and as available. We try to keep it accurate and working, and we do not warrant that it is free of errors, that it will be available without interruption, or that it suits any particular purpose. To the fullest extent the law allows, we disclaim all warranties, express or implied.

8. Limitation of liability

To the fullest extent the law allows, Tengo and its officers, directors, employees, and agents are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of, or inability to use, the site, and our total liability for any claim arising from the site will not exceed one hundred U.S. dollars. Some jurisdictions do not allow these limitations, in which case they apply to the extent permitted.

9. Governing law

These terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. Any dispute arising from the site will be brought in the state or federal courts located in New York County, New York, and you consent to their jurisdiction.

10. Changes

We may change these terms. The current version is always the one posted here, with its effective date. Continuing to use the site after a change means you accept it.

11. Contact

Tengo Holdings Incorporated
26 Broadway, Suite 934-H42
New York, NY 10004
info@tengolife.com · +1 (212) 419-4547