Terms and Conditions
These Terms and Conditions (“Terms”) govern your access to and use of the website operated by (“we,” “our,” or “us”). By accessing or using this website, you agree to be legally bound by these Terms. If you do not agree, you must not use this website.
1. Purpose of This Website
This website is provided for informational and lead-intake purposes only.
The website allows users to voluntarily submit limited contact information so that a representative of may follow up. No insurance products are sold, issued, bound, or finalized through this website.
Nothing on this website constitutes a binding offer, contract, or guarantee of insurance coverage or financial outcome.
2. Information You Provide
By submitting information through this website, you represent and warrant that:
The information you provide is accurate and truthful
You are authorized to provide the contact information submitted
You are at least 18 years of age
We collect only names, email addresses, and phone numbers. We do not collect Social Security numbers, medical records, driver’s license information, or financial account data through this website.
3. Communications & Consent
By submitting your information, you expressly consent to be contacted by and its representatives via:
Phone calls (manual and automated)
SMS / text messages
Emails
Communications may be made using automated technology and may originate from multiple agent phone numbers.
Consent is obtained when a user voluntarily submits their contact information through a website form or other intake method.
Message and data rates may apply.Users who provide consent may receive SMS communications including, but not limited to:
Appointment confirmations and reminders
Customer support responses and follow-ups
Service updates and operational notifications
Requested information regarding insurance products or consultations
Promotional or marketing communications where permitted by law
Message frequency may vary depending on user interaction and services requested.
Consent is not a condition of purchasing insurance. You may opt out of SMS communications at any time by replying “STOP.”
4. Carrier Liability Disclaimer (SMS Communications)
By providing your mobile phone number and opting in to receive SMS communications from , you agree to receive text messages related to our services. Message frequency may vary. Message and data rates may apply.
You may opt out of receiving SMS messages at any time by replying “STOP.” For assistance, reply “HELP” or contact us directly.
Wireless carriers are not liable for delayed, undelivered, or misdirected messages. Message delivery is subject to effective transmission from your wireless service provider and is outside of our control.
We do not guarantee the availability or performance of SMS services, as delivery depends on your mobile carrier, network conditions, and other factors beyond our control.
5. No Advice or Guarantees
Nothing on this website constitutes financial, legal, tax, or investment advice.
Any references to growth, performance, tax advantages, or wealth strategies are general and informational only
Insurance eligibility, pricing, approval, and benefits depend on carrier underwriting and applicable laws
No outcomes, rates, approvals, or results are guaranteed
All decisions should be made in consultation with licensed professionals.
6. Independent Insurance Agency Disclosure
operates as an independent insurance agency and may receive compensation from insurance carriers if a policy is issued. Availability of products varies by state and carrier guidelines.
No coverage exists unless and until a policy is formally issued and in force.
7. Intellectual Property
All content on this website, including text, graphics, logos, videos, and design elements, is the exclusive property of or its licensors and is protected by applicable intellectual property laws.
You may not copy, reproduce, modify, distribute, or exploit any content without prior written permission.
8. Third-Party Links
This website may contain links to third-party websites for convenience. does not control, endorse, or assume responsibility for any third-party content, policies, or practices.
Accessing third-party websites is done at your own risk.
9. Limitation of Liability
To the maximum extent permitted by law, shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
Use or inability to use this website
Reliance on information provided on the site
Errors, omissions, delays, or interruptions
Unauthorized access to or use of your information
Use of this website is entirely at your own risk.
10. Indemnification
You agree to indemnify, defend, and hold harmless , its owners, agents, contractors, and affiliates from any claims, damages, liabilities, costs, or expenses arising from:
Your use or misuse of the website
Your violation of these Terms
Any false or misleading information you provide
11. Dispute Resolution
Mediation First:
Any dispute arising out of or relating to this website or these Terms shall first be submitted to good-faith mediation.
Arbitration:
If mediation does not resolve the dispute, the matter shall be resolved by binding arbitration.
Venue & Governing Law:
These Terms are governed by the laws of the State of North Carolina. All proceedings shall take place in Denver, Colorado
12. Privacy Policy
Your use of this website is also governed by our Privacy Policy.
13. Changes to These Terms
We reserve the right to modify these Terms at any time without notice. Continued use of the website constitutes acceptance of the revised Terms.
9. Governing Law
These Terms and Conditions are governed by the laws of 1300 Wood St, Fulton MO 65251 and any disputes will be resolved in the appropriate courts of that jurisdiction.