Effective Date: January 1, 2024 Last Updated: January 1, 2024 Please read these Terms of Service ("Terms") carefully before using the website operated by PCM Financial Group LLC ("we", "us", "our"). By accessing or using our website www.pcmfinancialgroup.com and any of our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the website or our services. 1. Scope of Services PCM Financial Group LLC provides users with informational content and the ability to request insurance quotes, schedule consultations, and communicate with our licensed agents. We offer advisory services on health, life, and supplemental insurance plans, but we do not guarantee approval or coverage by any carrier. All quotes are for informational purposes only and do not constitute a binding offer of insurance coverage. 2. User Responsibilities By using our website or submitting your information through any of our forms, you agree to: Provide accurate, current, and complete information. Not use the website for any unlawful, abusive, or fraudulent purpose. Not interfere with the website's functionality or security. If you schedule a meeting or complete a quote request, you are responsible for ensuring availability and accuracy of the submitted data. 3. Communication Consent By submitting your contact information through our forms or other channels, you: Consent to receive communications via SMS, WhatsApp, email, and phone calls from PCM Financial Group LLC. Acknowledge that message and data rates may apply. May opt out at any time by following the unsubscribe instructions provided (e.g., replying "STOP" to SMS). You may also contact us at info@pcmfinancialgroup.com to withdraw your consent. 4. Intellectual Property All content on this site—including logos, branding, text, graphics, images, and software—is the property of PCM Financial Group LLC or licensed for our use. You may not copy, reproduce, distribute, or modify any part of this site without express written permission. 5. Third-Party Tools and Services Our website integrates tools from third-party providers such as: Cognito Forms (for quote submissions) HubSpot (for appointment scheduling) Meta / Google (for advertising and analytics) We are not responsible for the privacy practices or performance of these services. Your interactions with these platforms are subject to their respective terms and privacy policies. 6. Disclaimer of Warranties All content and services are provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that: The website will be available without interruption or error. The information provided is guaranteed to be accurate or up to date. Your eligibility for any insurance product is guaranteed. 7. Limitation of Liability To the fullest extent permitted by law, PCM Financial Group LLC shall not be liable for any direct, indirect, incidental, special, or consequential damages resulting from: Use or inability to use our website or services. Any information or advice obtained through the site. Unauthorized access to your data. 8. Termination We may suspend or terminate your access to the website and services at our discretion, without prior notice, for any reason including violation of these Terms. 9. Governing Law These Terms shall be governed and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from the use of this website shall be subject to the jurisdiction of the courts in Orange County, Florida. 10. Updates to These Terms We reserve the right to update or modify these Terms at any time. Any changes will be posted on this page with the revised date. Continued use of the website constitutes acceptance of those changes. 11. Contact Information If you have any questions about these Terms, please contact us at: PCM Financial Group LLC PO Box 772562 Orlando, FL 32877-2562 📧 info@pcmfinancialgroup.com 📞 407-684-4600