1. WEBSITE DISCLAIMER

Effective Date: [Insert Date]

The information provided by Elevate Financial Group (“Company,” “we,” “our,” or “us”) on this website is for general informational purposes only.

All information is provided in good faith; however, we make no representation or warranty of any kind regarding accuracy, adequacy, validity, or completeness.

No Professional Advice

Nothing on this website constitutes legal, financial, or tax advice. You should consult with a licensed professional before making financial decisions.

No Guarantee of Coverage

Submitting your information does not guarantee:

• Eligibility

• Approval

• Coverage

• Specific rates or terms

All insurance applications are subject to underwriting approval by the issuing carrier.

Independent Agency Disclosure

Elevate Financial Group operates as an independent insurance agency affiliated with Family First Life.

We are not the insurance carrier. Policies are issued by third-party insurance companies, and all guarantees are based solely on the claims-paying ability of those carriers.

Limitation of Liability

Under no circumstance shall Elevate Financial Group be liable for any loss or damage resulting from your use of the website or reliance on its content.

 

2. PRIVACY POLICY

Effective Date: [4/24/26]

Information We Collect

We may collect personal information you voluntarily provide, including:

• Full name

• Phone number

• Email address

• Mailing address

• Date of birth

• Insurance-related and lifestyle information

How We Use Your Information

We use your information to:

• Provide life insurance quotes (Term, Whole Life, IUL)

• Match you with licensed agents and carriers

• Contact you regarding your inquiry

• Improve marketing and lead generation efforts

• Comply with legal and regulatory obligations

Sharing of Information

We may share your information with:

• Licensed insurance agents

• Insurance carriers

• Service providers (CRM, marketing platforms, etc.)

• Regulatory bodies when required

We do not sell your personal information for direct monetary compensation.

Data Protection

We implement reasonable safeguards to protect your data. However, no internet transmission is completely secure.

Data Retention

We retain information only as long as necessary for business, legal, and compliance purposes.

Your Rights

Depending on your state, you may have the right to:

• Access your personal data

• Request deletion

• Opt out of certain uses

Contact: [davidriey225@gamil.com]

3. TCPA CONSENT (CRITICAL – REQUIRED FOR SOCIAL MEDIA LEADS)

By submitting your information through this website, you provide express written consent for Elevate Financial Group, its licensed agents, and affiliated insurance partners to contact you via:

• Phone call

• Text message (SMS/MMS)

• Email

This may include:

• Automated dialing systems

• Pre-recorded or artificial voice messages

You understand that:

• Consent is not a condition of purchase

• Message and data rates may apply

• You can opt out at any time by replying “STOP” to texts or contacting us directly

 This section is essential for compliance with the Telephone Consumer Protection Act.

4. TERMS OF USE

Acceptance

By using this website, you agree to these Terms.

Permitted Use

You agree not to:

• Submit false or misleading information

• Use the site for unlawful purposes

• Attempt to access secure systems without authorization

Intellectual Property

All content is owned by Elevate Financial Group and may not be reused without permission.

Changes

We may update these terms at any time without prior notice.

5. INSURANCE DISCLOSURES (MULTI-STATE SAFE VERSION)

-Elevate Financial Group is a licensed insurance agency operating in multiple U.S. states (excluding New York at this time).

-Not all products are available in all states.

-Availability varies by carrier and underwriting guidelines.

-Quotes are estimates and not guarantees of cost or eligibility.
-Policy terms, benefits, and exclusions are defined solely by the issuing carrier.

6. PRODUCT DISCLOSURE (IMPORTANT FOR IULs)

For Indexed Universal Life (IUL) policies:

-Returns are not directly invested in the stock market

-Policy performance is based on a crediting strategy tied to an index

-Caps, participation rates, and fees may apply

-Policies may lapse if not properly funded

(This protects you from misrepresentation claims—very important.)

7. HEALTH INFORMATION DISCLAIMER (IF COLLECTED)

Any health-related information submitted is used solely for:

-Underwriting

-Eligibility determination

We take reasonable steps to protect sensitive information in accordance with applicable laws.

8. CALIFORNIA PRIVACY RIGHTS (CCPA/CPRA)

Under the California Consumer Privacy Act and CPRA, California residents have the right to:

-Know what personal data is collected

-Request deletion

-Request correction

-Limit use of sensitive data

To exercise rights, contact: [davidriey225@gmail.com]

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By clicking “Submit,” you agree to be contacted by Elevate Financial Group and its licensed agents via call, text, or email (including automated systems) regarding life insurance options. Consent is not required to purchase. Message and data rates may apply.