Terms and Conditions

These Terms and Conditions ("Terms") govern the use of services provided by Andres Felipe Espinal Franco ("Company," "we," "us," or "our") DBA "IUL Pro Shop." By engaging with our services, website, or any associated communications, you ("User," "Client," or "Prospect") agree to abide by these Terms. If you do not agree with these Terms, you should discontinue use of our services immediately.

1. Services Provided

The Company specializes in generating leads for agents selling Life Insurance policies and annuities. Leads are primarily acquired through Facebook advertisements and subsequent landing page interactions. Individuals who submit their information may receive SMS, phone calls, and/or emails from independent agents offering services related to IUL policies.

2. Third-Party Agents

Representatives contacting Users may or may not be directly affiliated with our agency.Agents may operate independently or as part of a different agency while purchasing leads from us.We do not guarantee or warrant the performance, licensing, or conduct of any individual agent.

3. Consent to Communication

By submitting personal information through our landing pages or other forms, Users consent to being contacted by licensed insurance agents via phone calls, SMS messages, and emails regarding IUL policies.

Standard message and data rates may apply.Users may opt out of communications at any time by replying "STOP" to any SMS message or by following the opt-out instructions provided in emails.

4. No Guarantee of Results

The Company does not guarantee that a User will qualify for or purchase an IUL policy. Any financial projections or benefits discussed are subject to underwriting approval and policy terms.

5. Accuracy of Information

Users are responsible for providing accurate and complete information. The Company is not liable for any outcomes resulting from incorrect or incomplete information submitted by Users.

6. Privacy and Data Use

Submitted information may be shared with independent agents for the purpose of providing insurance-related services.We do not sell personal information to unrelated third parties.Our Privacy Policy outlines additional details on how User data is handled.

7. Limitation of Liability

To the maximum extent permitted by law, the Company is not responsible for:

Any misrepresentation by third-party agents.Any loss or damage resulting from a User’s decision to purchase or not purchase an IUL policy.Any errors or interruptions in lead generation services.

8. Modification of Terms

We reserve the right to modify these Terms at any time. Updates will be posted on our website, and continued use of our services constitutes acceptance of the revised Terms.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Texas. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in that location.For any questions regarding these Terms, please contact us at [email protected]