{"id":311,"date":"2026-05-13T01:05:43","date_gmt":"2026-05-13T01:05:43","guid":{"rendered":"https:\/\/felipedangond.com\/?page_id=311"},"modified":"2026-05-13T01:15:36","modified_gmt":"2026-05-13T01:15:36","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/felipedangond.com\/index.php\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"311\" class=\"elementor elementor-311\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24de099b e-flex e-con-boxed e-con e-parent\" data-id=\"24de099b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c404691 elementor-widget elementor-widget-heading\" data-id=\"3c404691\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Terms and Conditions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e39274a e-flex e-con-boxed e-con e-parent\" data-id=\"2e39274a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5dfe2361 elementor-widget elementor-widget-text-editor\" data-id=\"5dfe2361\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">1. Acceptance of Terms<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">By accessing or using the website <strong>felipedangond.com<\/strong> (&#8220;Site&#8221;), you agree to be bound by these Terms and Conditions (&#8220;Terms&#8221;). 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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">2. About the Business<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">This Site is operated by <strong>Felipe Dangond<\/strong>, a licensed life insurance agent operating through <strong>Pinnacle Life Group<\/strong>, licensed to sell life insurance products in the states of <strong>Georgia, Texas, and Ohio<\/strong>. Nothing on this Site constitutes an offer or solicitation to sell insurance in any state where Felipe Dangond is not licensed.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">3. No Insurance Contract<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The information provided on this Site is for <strong>general informational purposes only<\/strong> 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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">4. Not Financial or Legal Advice<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The content on this Site, including descriptions of Indexed Universal Life (IUL) products, living benefits, tax-free retirement income, and market loss protection, is <strong>educational and informational only<\/strong>. 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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">5. User Conduct<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">By using this Site, you agree that you will not:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Submit false, misleading, or fraudulent information through any form on the Site;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Attempt to gain unauthorized access to any portion of the Site or its related systems;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Transmit spam, viruses, or any harmful code;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Reproduce, distribute, or commercially exploit any content from this Site without prior written permission.<\/li><\/ul><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">6. SMS Communications \u2014 Terms of Use<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">By providing your mobile phone number and opting in, you agree to the following:<\/p><ul class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3\"><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">You authorize Felipe Dangond \/ Pinnacle Life Group to contact you via SMS using Twilio&#8217;s messaging infrastructure for purposes described in our Privacy Policy;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">You confirm that you are the account holder or have the account holder&#8217;s permission to enroll the provided number;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">You understand that <strong>message and data rates may apply<\/strong> based on your carrier plan;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">You acknowledge that <strong>message frequency will vary<\/strong>;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">You may opt out at any time by replying <strong>STOP<\/strong> to any message. One final confirmation message will be sent, after which no further messages will be transmitted to that number;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">For help, reply <strong>HELP<\/strong> or call +1 (470) 820-4471;<\/li><li class=\"font-claude-response-body whitespace-normal break-words pl-2\">SMS consent is <strong>not a condition of purchase<\/strong> of any insurance product or service.<\/li><\/ul><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">7. Forms &amp; Data Submission<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">8. Intellectual Property<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">All content on this Site \u2014 including text, images, graphics, logos, and design \u2014 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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">9. Third-Party Links &amp; Platforms<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">10. Disclaimer of Warranties<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">This Site and its content are provided <strong>&#8220;as is&#8221;<\/strong> and <strong>&#8220;as available&#8221;<\/strong> 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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">11. Limitation of Liability<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">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 \u2014 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 <strong>$100 USD<\/strong>.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">12. Indemnification<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">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&#8217; fees) arising out of or related to your use of this Site, your violation of these Terms, or your violation of any applicable law.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">13. Governing Law &amp; Jurisdiction<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">These Terms shall be governed by and construed in accordance with the laws of the <strong>State of Georgia<\/strong>, 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 <strong>Cobb County, Georgia<\/strong>.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">14. Changes to These Terms<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">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.<\/p><hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\" \/><h4 class=\"text-text-100 mt-2 -mb-1 text-base font-bold\">15. Contact<\/h4><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For questions regarding these Terms and Conditions:<\/p><p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Felipe Dangond \u2014 Pinnacle Life Group<\/strong> 1592 Atlanta Rd SE, Suite 130, Marietta, GA 30060 \ud83d\udcde +1 (470) 820-4471 \ud83c\udf10 felipedangond.com<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Terms and Conditions 1. Acceptance of Terms By accessing or using the website felipedangond.com (&#8220;Site&#8221;), you agree to be bound by these Terms and Conditions (&#8220;Terms&#8221;). 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 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-311","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/pages\/311","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/comments?post=311"}],"version-history":[{"count":4,"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/pages\/311\/revisions"}],"predecessor-version":[{"id":325,"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/pages\/311\/revisions\/325"}],"wp:attachment":[{"href":"https:\/\/felipedangond.com\/index.php\/wp-json\/wp\/v2\/media?parent=311"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}