Terms & Conditions

Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use this website or submit a request for insurance-related services.

By using this website, you represent that the information you provide is accurate, current, complete, and submitted with proper authorization.

General Information Only

Website content is provided for general educational and informational purposes.

Nothing on this website constitutes individualized legal, tax, accounting, investment, medical, or financial advice.

Website information should not be used as a substitute for advice from qualified professionals who understand your individual circumstances.

Insurance Services

Beacon Bridge Financial may provide information concerning life insurance, annuities, retirement protection strategies, and other insurance-related products through appropriately licensed insurance professionals.

Product availability, features, costs, eligibility, and licensing vary by state. Not every product or service described on this website is available in every jurisdiction.

We do not guarantee that an applicant will qualify for coverage or receive a particular premium, rate, benefit, policy feature, or underwriting classification.

No Guarantee of Coverage

Submitting a form, scheduling a consultation, receiving an illustration, or discussing a product does not:

• Create an insurance contract
• Place insurance coverage in force
• Guarantee approval or eligibility
• Guarantee a specific rate or benefit
• Guarantee financial performance or results
• Constitute acceptance by an insurance carrier

Coverage becomes effective only after the carrier approves and issues the policy, required premiums are received, and all applicable carrier requirements are completed.

Quotes and Illustrations

Quotes, estimates, comparisons, and illustrations are preliminary and may change based on underwriting, age, health, medical history, lifestyle, occupation, financial information, carrier guidelines, and product availability.

An insurance illustration is not a contract and does not guarantee future performance unless a value is expressly identified as guaranteed by the issuing carrier.

You are responsible for reviewing the final policy, illustration, disclosures, exclusions, limitations, fees, surrender charges, and carrier documents before accepting coverage.

Accuracy of Information

We make reasonable efforts to provide accurate and current website information. However, insurance products, carrier guidelines, laws, regulations, rates, and product features may change without notice.

We do not warrant that website content will always be complete, accurate, current, available, or error-free.

User Responsibilities

You agree to provide truthful, accurate, and complete information. You must not omit or misrepresent material information when requesting a quote or applying for insurance.

False statements or material omissions may affect underwriting, policy issuance, premiums, benefits, claims, or the validity of insurance coverage.

You are responsible for protecting your devices, accounts, passwords, and communications from unauthorized access.

Communication Consent

When you submit a website form, request information, or schedule a consultation, you authorize Beacon Bridge Financial and its authorized representatives to contact you regarding your request.

Where you separately consent to telephone or text-message marketing, communications may be delivered using automated technology, prerecorded or artificial voice, or an automatic telephone dialing system as described in the applicable consent.

You may revoke consent through any reasonable method permitted by applicable law. We may send one message confirming an opt-out request.

Electronic Communications

By communicating with us electronically, you consent to receiving electronic communications relating to your inquiry or use of the website.

Electronic notices, disclosures, and communications may satisfy legal requirements that communications be in writing, except where applicable law requires another delivery method or separate consent.

Appointments

Scheduling an appointment reserves time for a consultation but does not guarantee product eligibility, coverage, approval, or acceptance as a client.

Please provide timely notice if you need to cancel or reschedule. Repeated missed appointments may affect our ability to accept future scheduling requests.

Third-Party Services

Insurance products are issued and administered by third-party insurance carriers.

Beacon Bridge Financial does not control a carrier’s underwriting decisions, claims decisions, processing times, product changes, policy administration, financial condition, or continued product availability.

Third-party websites and services are governed by their own agreements and policies.

Intellectual Property

Unless otherwise stated, the website and its original content, including text, graphics, branding, logos, designs, videos, downloads, and materials, are owned by or licensed to Beacon Bridge Financial.

You may view and print website materials solely for personal, noncommercial use.

You may not reproduce, modify, publish, sell, distribute, scrape, repurpose, or commercially exploit website content without prior written permission.

Prohibited Uses

You may not:

• Use the website for unlawful or deceptive purposes
• Submit false, misleading, or unauthorized information
• Impersonate another person
• Attempt to gain unauthorized system access
• Introduce malware or malicious technology
• Interfere with website operation or security
• Collect information about users without authorization
• Copy or scrape website content through automated means
• Violate another person’s legal rights

We may restrict or terminate access when we reasonably believe these Terms have been violated.

Privacy

Our collection and use of personal information are described in our Privacy Policy, which is incorporated into these Terms by reference.

Disclaimer of Warranties

To the maximum extent permitted by law, the website and its content are provided “as is” and “as available.”

Beacon Bridge Financial disclaims all express or implied warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and security.

We do not warrant that the website will be uninterrupted, error-free, completely secure, or free from harmful components.

Limitation of Liability

To the maximum extent permitted by law, Beacon Bridge Financial LLC and its owners, officers, employees, agents, contractors, representatives, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Use of or inability to use the website
• Reliance on website information
• Loss of data, revenue, opportunity, or profits
• Third-party websites or services
• Unauthorized website access
• Carrier underwriting, policy, or claims decisions

Nothing in these Terms limits liability that cannot legally be limited or excluded.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Beacon Bridge Financial LLC and its representatives from claims, losses, liabilities, damages, judgments, costs, and expenses arising from:

• Your misuse of the website
• Your violation of these Terms
• Information you submit
• Your violation of applicable law
• Your infringement of another person’s rights

Governing Law

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles.

Unless applicable law requires otherwise, legal proceedings arising from these Terms or the website must be brought in a court of competent jurisdiction located in Oklahoma.

Changes to These Terms

We may modify, suspend, or discontinue website features or content at any time.

Updated Terms will be posted with a revised “Last Updated” date. Continued use of the website after revised Terms become effective constitutes acceptance of the updated Terms.

Termination

We may suspend or terminate access when reasonably necessary to protect the website, enforce these Terms, comply with legal obligations, or prevent suspected fraud or misuse.

Provisions concerning intellectual property, disclaimers, liability, indemnification, and governing law will survive termination.

Severability and No Waiver

If any provision is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain effective.

Failure to enforce a provision does not waive our right to enforce that provision or another provision later.

Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and Beacon Bridge Financial concerning use of the website unless another written agreement specifically applies.