Terms and Conditions
1. Acceptance of Terms
By accessing or using the website felipedangond.com (“Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must not use this Site. These Terms apply to all visitors, users, and anyone who submits a form or requests information through the Site.
2. About the Business
This Site is operated by Felipe Dangond, a licensed life insurance agent operating through Pinnacle Life Group, licensed to sell life insurance products in the states of Georgia, Texas, and Ohio. Nothing on this Site constitutes an offer or solicitation to sell insurance in any state where Felipe Dangond is not licensed.
3. No Insurance Contract
The information provided on this Site is for general informational purposes only and does not constitute an insurance contract, policy, or binding agreement. Coverage is subject to underwriting approval, policy terms, conditions, exclusions, and applicable state regulations. Actual policy terms may differ from the general descriptions on this Site.
4. Not Financial or Legal Advice
The content on this Site, including descriptions of Indexed Universal Life (IUL) products, living benefits, tax-free retirement income, and market loss protection, is educational and informational only. It does not constitute financial, tax, investment, or legal advice. You should consult a qualified financial advisor, tax professional, or attorney before making any financial decision.
5. User Conduct
By using this Site, you agree that you will not:
- Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law;
- Submit false, misleading, or fraudulent information through any form on the Site;
- Attempt to gain unauthorized access to any portion of the Site or its related systems;
- Transmit spam, viruses, or any harmful code;
- Reproduce, distribute, or commercially exploit any content from this Site without prior written permission.
6. SMS Communications — Terms of Use
By providing your mobile phone number and opting in, you agree to the following:
- You authorize Felipe Dangond / Pinnacle Life Group to contact you via SMS using Twilio’s messaging infrastructure for purposes described in our Privacy Policy;
- You confirm that you are the account holder or have the account holder’s permission to enroll the provided number;
- You understand that message and data rates may apply based on your carrier plan;
- You acknowledge that message frequency will vary;
- You may opt out at any time by replying STOP to any message. One final confirmation message will be sent, after which no further messages will be transmitted to that number;
- For help, reply HELP or call +1 (470) 820-4471;
- SMS consent is not a condition of purchase of any insurance product or service.
7. Forms & Data Submission
When you submit a form on this Site (including through the SmartSuite-powered contact form), you consent to being contacted by Felipe Dangond or a representative of Pinnacle Life Group regarding your inquiry. Submission of a form does not create an agent-client relationship or obligate either party to enter into any agreement.
8. Intellectual Property
All content on this Site — including text, images, graphics, logos, and design — is the property of Felipe Dangond / Pinnacle Life Group or its licensors and is protected by applicable copyright and intellectual property laws. You may not reproduce, republish, or distribute any content without express written consent.
9. Third-Party Links & Platforms
This Site may contain links to third-party platforms, including SmartSuite (contact forms) and calendar booking tools. These third-party sites have their own terms and privacy policies, which we do not control. We are not responsible for the content, accuracy, or practices of any third-party site.
10. Disclaimer of Warranties
This Site and its content are provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
11. Limitation of Liability
To the fullest extent permitted by applicable law, Felipe Dangond and Pinnacle Life Group shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content — even if advised of the possibility of such damages. Our total liability for any claim arising from your use of this Site shall not exceed $100 USD.
12. Indemnification
You agree to indemnify, defend, and hold harmless Felipe Dangond, Pinnacle Life Group, and their respective agents and representatives from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of this Site, your violation of these Terms, or your violation of any applicable law.
13. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Cobb County, Georgia.
14. Changes to These Terms
We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated effective date. Continued use of the Site after any changes constitutes your acceptance of the revised Terms.
15. Contact
For questions regarding these Terms and Conditions:
Felipe Dangond — Pinnacle Life Group 1592 Atlanta Rd SE, Suite 130, Marietta, GA 30060 📞 +1 (470) 820-4471 🌐 felipedangond.com