Terms & Conditions

1. Introduction

These Terms & Conditions govern your use of the Brandon Life website, services, appointment scheduling, forms, SMS communications, email communications, and related services.

By accessing the website, submitting information, requesting information, scheduling an appointment, or voluntarily opting into communications, you agree to these Terms & Conditions and the Brandon Life Privacy Policy.

If you do not agree with these Terms & Conditions, please do not use the website or submit information through the website.

2. Services

Brandon Life provides information and assistance regarding insurance products and services, including:

• Final Expense
• Mortgage Protection
• Medicare
• American Diabetes Organization (ADO)

The information provided through this website is intended to help visitors understand available insurance options. Insurance products, coverage, benefits, eligibility, pricing, and availability may vary depending on the state, insurance carrier, and individual circumstances.

3. Insurance Information Disclaimer

Information provided on this website, through email, SMS, or during a consultation is for general informational purposes only.

Nothing on this website guarantees:

• Insurance coverage
• Eligibility
• Approval
• Pricing
• Benefits
• Policy issuance
• Availability of a specific insurance product

Coverage is subject to application, underwriting, policy terms, conditions, limitations, exclusions, and applicable requirements. Submitting a form, requesting information, or booking an appointment does not create an insurance contract or guarantee that coverage will be issued.

4. Appointment Scheduling

Visitors may request or schedule appointments with Brandon Wages through the website. Submitting an appointment request does not guarantee that an appointment will be available at the requested time. Booking an appointment does not guarantee insurance coverage, approval, eligibility, pricing, or policy issuance.

5. SMS and Email Communications

Brandon Life may send SMS or email communications to individuals who voluntarily provide their contact information and provide the appropriate consent. Communications may include:

• Appointment confirmations
• Appointment reminders
• Responses to insurance inquiries
• Follow-up communications
• Service-related updates
• Educational insurance information
• Marketing or promotional communications where appropriate consent has been provided

Message frequency may vary depending on your interactions with Brandon Life.

6. Consent to Receive SMS Messages

By providing your mobile phone number and completing the applicable consent process, submitting an online form, checking an applicable SMS consent box, or otherwise voluntarily opting into SMS communications, you authorize Brandon Life to send text messages to the mobile number provided.

Consent to receive marketing text messages is not a condition of purchasing any insurance product or service.

You confirm that the mobile phone number you provide belongs to you or that you are authorized to provide it.

7. SMS Opt-Out

You may cancel SMS communications at any time by replying: STOP to any SMS message received from Brandon Life.

After sending STOP, you may receive a confirmation message. You will no longer receive additional SMS messages unless you opt in again, except for communications permitted or required by applicable law.

8. SMS Help

For assistance with SMS communications, reply: HELP to any SMS message.

You may also contact Brandon Life: Phone: 214-939-9149 • Email: brandonwages.agent@gmail.com

9. Message Frequency and Rates

Message frequency may vary based on your requests, appointments, communication preferences, and interactions with Brandon Life.

Message and data rates may apply to SMS messages. Your wireless carrier's standard messaging and data rates may apply. For questions regarding your mobile plan or carrier charges, contact your wireless service provider.

10. Carrier Disclaimer

Wireless carriers are not responsible or liable for delayed or undelivered messages. Message delivery may be affected by carrier availability, network conditions, device settings, or circumstances outside Brandon Life's control.

11. Website Use

You agree to use this website only for lawful purposes. You may not:

• Submit false or misleading information
• Use the website for fraudulent or unlawful activity
• Attempt to gain unauthorized access to website systems
• Interfere with website operation or security
• Introduce malicious software or harmful code
• Copy or misuse website content without authorization
• Attempt to disrupt website functionality

12. Website Content

Brandon Life makes reasonable efforts to provide useful and accurate information. However, information on the website may change and may not always reflect the most current insurance product availability, requirements, or carrier guidelines. Brandon Life does not guarantee that website information is complete, current, or error-free.

13. Third-Party Websites and Services

The website may contain links to third-party websites, insurance carriers, appointment platforms, technology providers, or other services. Brandon Life does not control and is not responsible for the content, availability, privacy practices, security, or policies of third-party websites. Your use of third-party websites is subject to their respective terms and privacy policies.

14. Privacy

Your use of this website and participation in communications is also governed by the Brandon Life Privacy Policy. The Privacy Policy explains how Brandon Life collects, uses, protects, and shares personal information.

View the Brandon Life Privacy Policy

15. Limitation of Liability

To the fullest extent permitted by applicable law, Brandon Life and Brandon Wages will not be liable for indirect, incidental, special, consequential, or other damages arising from or related to your use of the website, inability to use the website, communications services, third-party websites, or information provided through the website.

Brandon Life does not guarantee that the website or communication services will always be available, uninterrupted, secure, or error-free.

16. Indemnification

To the extent permitted by applicable law, you agree to use the website lawfully and not to engage in activities that could cause harm to Brandon Life, Brandon Wages, the website, or other users.

17. Changes to These Terms

Brandon Life may update these Terms & Conditions from time to time to reflect changes in services, website functionality, business practices, or applicable legal requirements. Updates will be posted on this page with a revised "Last Updated" date.

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms & Conditions to the extent permitted by law.

18. Governing Law

These Terms & Conditions shall be interpreted and applied in accordance with applicable laws and regulations. Where applicable, disputes shall be handled in accordance with the laws and jurisdiction applicable to Brandon Life and the services provided.