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Terms of Use - Truckee Financial Group
Truckee Financial Group (“Truckee Financial Group,” “we,” “us,” or “our”) operates the website located at https://truckeefinancialgroup.com (the “Site”). The Site provides information about life insurance, annuities, tax-free retirement concepts, tax advisory services, Social Security planning, long-term care, and related financial education, and it allows users to request quotes, connect with a licensed professional, and access calculators, articles, and other resources. By accessing or using the Site, you agree to these Terms of Use (“Terms”). If you do not agree, you should not use the site.
Who You Are and Who We Are
In these Terms, “you” and “your” mean any person who accesses or uses the Site. “We,” “our,” and “us” mean Truckee Financial Group, an independent insurance agency that works with multiple insurance carriers and is licensed to sell insurance in certain U.S. states. We do not underwrite insurance policies. Any policy you buy after contacting us is issued by a third-party insurance carrier, which has its own terms and conditions.
What the Site Does and Does Not Do
The Site provides general information and education about insurance and retirement topics, along with tools that help you compare options and request quotes. Information on the Site does not replace personalized advice from a licensed insurance agent, financial planner, tax professional, or attorney.
The information and examples on the Site serve informational and illustrative purposes only and do not constitute insurance, financial, tax, or legal advice. Services, product availability, and pricing vary by state and depend on the rules and underwriting of each insurance carrier.
Acceptance of These Terms
By visiting the Site, submitting any form, or requesting any information through the Site, you confirm that you are at least 18 years old, have the legal capacity to enter into these Terms, and agree to comply with them and with all applicable laws. If you use the Site on behalf of another person or entity, you represent that you have authority to do so and that person or entity accepts these Terms.
Cookies and Tracking Technologies
The Site uses cookies and similar technologies to operate, remember preferences, and understand how visitors interact with pages, forms, and content. Cookies may come from our systems or from service providers that support analytics, marketing, scheduling, and communication tools. You can adjust your browser settings to limit or block cookies, but some parts of the Site may not function properly if you do so. Use of cookies and related tracking technologies follows our Privacy Policy and any cookie notices presented on the Site.
Intellectual Property and Limited License
Unless stated otherwise, Truckee Financial Group and its licensors own the copyrights, trademarks, and other intellectual property rights in the Site and in all text, graphics, logos, images, tools, and other content that appear on it. We grant you a limited, revocable, non-exclusive, non-transferable license to access and view the Site for your personal, non-commercial use, subject to these Terms.
You should not copy, reproduce, republish, upload, post, transmit, sell, rent, sub-license, or distribute any material from the Site without our prior written permission, except for normal sharing of links that point back to pages on the Site.
Your Responsibilities and Acceptable Use
You agree that all information you provide to us through the Site, including on quote requests and contact forms, is accurate, complete, and current to the best of your knowledge. You must not attempt to interfere with the normal operation or security of the Site, attempt to gain unauthorized access to any systems, use automated tools to collect data in a way that harms or overloads our infrastructure, or use the Site for any unlawful, fraudulent, or harmful purpose.
If the Site ever offers login access or account features, you will be responsible for keeping your credentials secure and for all activities that take place under your account.
Insurance Carriers, Quotes, and Eligibility
Truckee Financial Group acts as an independent agency and does not guarantee that any specific company, policy, rate, or coverage will be offered or approved. We work with several insurers, including carriers listed on the Site, to present potential options that may align with your situation.
Any quote shown on the Site or provided by us is non-binding and subject to change after the insurance carrier reviews a complete application and applies its underwriting rules. Availability of products, coverage terms, waiting periods, and medical requirements depend on the insurer and the rules that apply in the state where you live.
Privacy and How We Use Your Information
Our use of personal information collected through the Site follows our Privacy Policy, which describes what we collect, the sources of that information, and the ways we use it for business, compliance, and communication purposes. We will collect device information through cookies and logs, contact details and other personal information from forms, and information related to any insurance-related transactions or interactions.
We use the collected information to respond to your requests, evaluate options, manage our business, send administrative notices, and send marketing messages in line with your communication preferences and applicable law. Separate SMS-specific practices for text messages are described in our SMS Policy and Terms.
Electronic Communications, Email, and SMS
If you provide your phone number or email address on the Site, you agree that we will contact you through those channels for service-related messages, quote follow-ups, and marketing related to our products and services, consistent with your consent and stated preferences. These messages involve automated dialing technology or prerecorded content, as described in the SMS Policy and Terms.
You can opt out of promotional email messages by using the unsubscribe link included in those emails. You can opt out of SMS marketing by following the opt-out instructions in our SMS Policy and Terms, such as replying with the specified keyword (for example, “STOP”) to a message, subject to your carrier’s rules.
Third-Party Websites, Tools, and Services
The Site contains links to third-party websites, scheduling tools, payment platforms, email and SMS vendors, analytics services, and social media pages that are not controlled by Truckee Financial Group. These third-party sites and tools operate under their own terms of service and privacy policies.
We do not control, manage, or endorse third-party content or services and accept no responsibility for any loss or damage arising from your use of them. By following a link to another website or granting data access to a third-party tool, you assume the associated risks and are responsible for reviewing that provider’s policies.
Disclaimers
The Site and all content on it are provided on an “as is” and “as available” basis, without any warranty of any kind, to the extent permitted by law. Truckee Financial Group does not promise that the Site will be error-free or uninterrupted, that defects will be corrected, or that the Site or servers are free of viruses or harmful components. Information on the Site does not guarantee that you will qualify for any insurance product, that a particular strategy will suit your needs, or that any financial, tax, or legal result will occur. All decisions about insurance, retirement, tax, and estate planning should be made with a qualified professional who understands your full circumstances.
Limitation of Liability
To the maximum extent permitted by law, Truckee Financial Group and its owners, officers, employees, contractors, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities, arising from or related to your use of, or inability to use, the Site or its content.
If a court determines that Truckee Financial Group bears liability related to the Site or these Terms despite this limitation, such liability is limited to the minimum amount required under applicable law.
Indemnity
You agree to indemnify and hold harmless Truckee Financial Group and its employees, officers, contractors, and agents from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) that arise from your violation of these Terms, your misuse of the Site, or your violation of any law or third-party right.
Changes to the Site and to These Terms
We reserve the right to update, suspend, or remove any part of the Site and to modify these Terms at any time. Changes take effect upon posting on this page with an updated “Last updated” date. Continued use of the Site after such changes constitutes acceptance of the revised Terms. If you do not agree to a change, you must discontinue use of the Site.
Governing Law and Disputes
These Terms apply to your use of the Site, subject to the laws and regulations that apply in your location and in the places where Truckee Financial Group operates. Any dispute or claim related to the Site or these Terms will be handled under those applicable laws. You agree to attempt to resolve any dispute with us informally before pursuing any formal claim or proceeding, to the extent practical.
Entire Agreement and Other Legal Terms
These Terms, together with the Privacy Policy and SMS Policy and Terms, constitute the complete and exclusive agreement between you and Truckee Financial Group governing your use of the Site. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect. A failure by us to enforce any right or provision does not operate as a waiver of that right or provision. You cannot assign or transfer any rights or obligations under these Terms without our prior written consent.
