Terms & Conditions

1. No Offer, Guarantee, or Advice

Content on this website is for general information only and is not an offer to sell insurance or legal services, a binding contract, or professional advice. Qualification, pricing, coverage, and availability are determined by the applicable insurance carrier and are subject to underwriting, eligibility rules, and the laws of your state. Nothing on this website guarantees that you qualify for any product, rate, or coverage.

We are not a law firm and nothing on this website is legal advice. Questions about your specific situation should be discussed with the licensed agent who contacts you or with a qualified professional.

2. SMS / Text Message Terms

When you check the consent box and submit your mobile number on this website, you agree to the following terms for text messages from us about your request:

• What you'll receive: calls and text messages from licensed agents about the products and services you asked about, which may include follow-ups, reminders, and information about options.
• Consent is not a condition of purchase. You are not required to agree to receive these messages in order to purchase anything or to get information.
• Message frequency: varies. Message and data rates may apply. Check with your mobile carrier for details.
• Opting out: reply STOP at any time to stop text messages to that number. We will send a confirmation message and then stop. You can also opt out by calling or texting 1-866-499-0131.
• Getting help: reply HELP to any message, or call or text 1-866-499-0131.
• Carriers are not liable for delayed or undelivered messages.
• Consent applies to this program: your consent covers calls and texts about your request from licensed agents operating under Spencer Financial Group across its programs.

3. Accuracy of Information You Provide

You agree to provide accurate and complete information when using this website and to use only your own contact information. You may not submit another person's contact information without that person's authorization.

4. Permitted Use

You may use this website for its intended personal, non-commercial purpose: learning about and requesting information about products offered by Spencer Financial Group. You may not misuse the website, attempt to disrupt it, scrape or harvest information from it, or use it to send automated or fraudulent submissions.

5. Intellectual Property

The text, graphics, design, and other content of this website are owned by or licensed to Spencer Financial Group and may not be copied or used without permission, except for your personal use of the website.

6. Third-Party Links and Services

This website may link to third-party websites or use third-party advertising and analytics services. We do not control those services and are not responsible for their content or practices. Their use of your information is governed by their own policies.

7. Limitation of Liability

To the fullest extent permitted by law, Spencer Financial Group will not be liable for indirect, incidental, special, or consequential damages arising from your use of this website. The website is provided "as is" and "as available" without warranties of any kind, except as otherwise required by law.

8. Changes to These Terms

We may update these Terms and Conditions from time to time. The date at the top of this page shows when they were last updated. Your continued use of this website after changes are posted means you accept the updated terms.

9. Contact

Questions about these terms? Call or text 1-866-499-0131.