Terms of Use

Services Provided

We provide insurance and financial-related services, including but not limited to:

• Life insurance consultations
• Final expense insurance services
• Mortgage protection consultations
• Indexed Universal Life (IUL) guidance
• Retirement planning support
• Insurance quote requests and follow-ups
• Appointment scheduling
• Customer support services

All information provided through our website or communications is for informational and service-related purposes unless otherwise stated in a separate written agreement.

Eligibility

You must be at least 18 years old to use our services or submit personal information through our website. By using our services, you confirm that you are at least 18 years of age, the information you provide is accurate and complete, and you are legally authorized to enter into this agreement.

SMS & Mobile Communication Terms

3.1 Consent to Receive SMS Messages

By providing your mobile phone number through our website, landing pages, lead forms, appointment forms, verbal communication, or other communication channels, and by checking any applicable consent boxes, you expressly consent to receive SMS and MMS communications from Omega Life Financial.

Your consent applies to both transactional and promotional communications. Consent to receive SMS messages is not a condition of purchase.

3.2 Types of SMS Messages

Messages may include appointment reminders, insurance quote follow-ups, policy and account updates, customer support notifications, service alerts, and promotional and marketing communications.

3.3 Message Frequency

Message frequency may vary depending on your interaction with our services and communication preferences.

3.4 Message & Data Rates

Standard message and data rates may apply based on your mobile carrier plan.

3.5 Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to unsubscribe or HELP for assistance. After opting out, you may receive a final confirmation message confirming your unsubscribe request.

3.6 Mobile Information Protection

We do not sell, rent, share, or disclose mobile phone numbers, SMS consent records, or opt-in data to third parties or affiliates for marketing or promotional purposes. Mobile information collected for SMS communications is used solely for internal business communications and service-related operations.

3.7 SMS Carrier Disclaimer

SMS and MMS services are provided through third-party wireless carriers and messaging providers. Delivery of messages is subject to effective transmission by your mobile carrier and network availability. Carriers are not liable for delayed or undelivered messages.

We are not responsible for delayed message delivery, carrier outages, network failures, undelivered messages, or mobile carrier limitations.

Omega Life Financial SMS Program Details

Omega Life Financial uses SMS messaging to communicate with clients who have voluntarily provided their phone numbers through web forms, quote requests, appointment scheduling, or direct contact.

SMS messages are used strictly for insurance-related services including appointment reminders, quote follow-ups, policy updates, customer support, and account notifications. All SMS communications are consent-based, service-related, and not used for unsolicited marketing. Users may opt out at any time by replying STOP. Message frequency varies based on user interaction. Standard message and data rates may apply.

How Contacts Opt In

Contacts opt in to receive SMS messages through web-based forms, quote request forms, appointment scheduling forms, or direct communication channels on our website. Users voluntarily enter their phone number and consent to receive SMS messages at the time of submission. Consent is not shared with third parties and is used only for service-related communication.

Opt-In Message

Hi! By providing your number, you agree to receive SMS from Omega Life Financial, about quotes, appointments, policy updates, and support. Msg & data rates may apply. Reply STOP to opt out or HELP for help. Consent not required to purchase.

Promotional / Marketing Sample Message

Hi John, this is Omega Life Financial. We can help you compare affordable life insurance plans. Reply YES to schedule your free consultation. Reply STOP to opt out.

Transactional / Informational Sample Messages

Hi John, your life insurance marketing consultation is scheduled for Tuesday at 3:00 PM. Please reply CONFIRM to confirm or CALL to reschedule. Reply STOP to opt out.

Hi John, your life insurance quote request has been received. Our licensed agent will contact you shortly. Reply STOP to opt out.

User Responsibilities

You agree to provide accurate and current information, maintain truthful communication, use our website and services lawfully, and avoid misuse of communication systems or forms.

You agree not to submit fraudulent information, use automated systems or bots, attempt unauthorized access to systems, interfere with website functionality or security, or use our services for unlawful purposes.

Third-Party Services

We may use trusted third-party providers to support our business operations, including CRM and customer management platforms, SMS communication providers, cloud hosting services, scheduling software, insurance carriers, payment processors, and analytics providers.

These providers are authorized to use information only as necessary to provide services on our behalf and are required to maintain appropriate safeguards. We are not responsible for the content, policies, or practices of third-party websites or services.

No Guarantee of Results

Insurance products, pricing, approvals, and coverage decisions are determined solely by licensed insurance carriers and underwriting guidelines. We do not guarantee insurance approval, specific pricing or rates, coverage availability, financial outcomes, or service availability without interruption.

Quotes provided are estimates only and may change based on underwriting review.

Intellectual Property

All website content, branding, text, graphics, logos, forms, materials, and intellectual property are owned by Omega Life Financial, and protected under applicable copyright, trademark, and intellectual property laws. You may not reproduce, copy, distribute, modify, or exploit website content without prior written permission.

Disclaimers

Our website and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied. We do not guarantee continuous website availability, error-free functionality, security from unauthorized access, or accuracy of third-party information. Your use of our website and services is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, Omega Life Financial, shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from use of our website or services, communication failures, delayed SMS delivery, third-party service interruptions, insurance carrier decisions, data loss, or unauthorized access.

Privacy Policy

Your use of our services is also governed by our Privacy Policy, which explains how we collect, use, protect, and disclose your information.

Termination

We reserve the right to suspend, restrict, or terminate access to our website or services at any time, without notice, for violations of these Terms or unlawful conduct.

Changes to Terms

We may update or revise these Terms of Use at any time. Updated versions will be posted on this page with a revised effective date. Continued use of our services after updates constitutes acceptance of the revised Terms.

Governing Law

These Terms of Use shall be governed and interpreted under the laws of the State of New York, United States, without regard to conflict of law principles.

Contact Information

If you have any questions about these Terms or the Program, please contact us:

Business Name: Omega Life Financial
Email: mariceldeitiker@gmail.com
Phone: (727) 424-4551