Terms of Service

TERMS OF SERVICE
Last Updated: [DATE]
1. Acceptance of Terms
By accessing or using the website https://fpintolife.com (the “Service”) operated by Felix Pinto LLC (“we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.
You must be at least 18 years old to use our Service. By using our Service, you represent and warrant that you are 18 years of age or older.
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2. Description of Service
Felix Pinto LLC provides information, mentorship, and recruitment services for individuals interested in becoming licensed financial advisors specializing in Indexed Universal Life Insurance (IUL) and related financial products.
Our Service includes:
Educational content about the financial advising industry
Lead capture and consultation scheduling
One-on-one consultations and mentorship
SMS, email, and WhatsApp communications
Online resources and training materials
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3. SMS Messaging Program
3.1 Description of SMS Program
Felix Pinto LLC operates an SMS messaging program that sends communications to users who voluntarily provide their mobile phone number AND affirmatively opt-in via our website form. Messages may include:
Appointment confirmations and reminders
Follow-up communications about your inquiry
Educational and informational content
Promotional messages and offers (with separate consent)
3.2 Opt-In and Opt-Out
Opt-In: Users opt in by checking the SMS consent checkbox on our form at https://fpintolife.com. Consent is voluntary and is NOT a condition of any purchase or service.
Opt-Out: Reply STOP to any SMS message at any time to unsubscribe. You will receive one final confirmation message.
Help: Reply HELP to any SMS for assistance, or email [email protected].
3.3 Message Frequency
Message frequency varies. You may receive up to 10 messages per month based on your stage in our process.
3.4 Message and Data Rates
Standard message and data rates may apply based on your mobile carrier plan. Felix Pinto LLC is not responsible for any carrier charges incurred.
3.5 Carrier Liability Disclaimer
Mobile carriers are NOT liable for delayed or undelivered messages. Felix Pinto LLC uses reasonable efforts to deliver SMS messages but cannot guarantee delivery, timing, or receipt of messages.
3.6 Supported Carriers
Our SMS program is compatible with major U.S. carriers including AT&T, T-Mobile, Verizon Wireless, Sprint, and others. Carriers may change without notice.
3.7 Support Contact
For SMS-related questions or issues:
Email: [email protected]
Phone: [YOUR BUSINESS PHONE]
Reply HELP to any SMS message
3.8 Privacy
Our SMS practices are governed by our Privacy Policy, available at https://fpintolife.com/privacy-policy.
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4. Age Restriction
You must be at least 18 years old to use the Service, provide personal information, opt-in to SMS messages, or schedule consultations. By using the Service, you represent and warrant that you are 18 or older.
If we learn that we have collected information from a person under 18, we will delete that information promptly.
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5. User Responsibilities
By using our Service, you agree to:
Provide accurate, current, and complete information
Not impersonate any person or entity
Not use the Service for any illegal or unauthorized purpose
Not interfere with or disrupt the Service
Not attempt to gain unauthorized access to our systems
Comply with all applicable laws and regulations
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6. No Financial or Legal Advice
Information provided through our Service is for educational and informational purposes only. It does NOT constitute:
Financial advice
Investment advice
Legal advice
Tax advice
Insurance recommendations
You should consult with licensed professionals before making any financial decisions. Felix Pinto LLC and its representatives may be licensed insurance agents but are not acting as fiduciaries unless explicitly stated in a separate written agreement.
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7. Earnings Disclaimer
Any income statements, examples, or testimonials presented through our Service are provided as illustrations only and do NOT guarantee similar results. Income and earnings depend on individual effort, market conditions, skills, experience, and many other factors. Felix Pinto LLC makes no guarantees regarding income, results, or success.
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8. Intellectual Property
All content on our Service, including text, graphics, logos, images, videos, and software, is the property of Felix Pinto LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works of our content without our prior written consent.
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9. Limitation of Liability
To the maximum extent permitted by law:
Felix Pinto LLC shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages
Our total liability shall not exceed the amount you paid to us in the 12 months preceding the claim
We do NOT guarantee uninterrupted, secure, or error-free operation of the Service
We are NOT liable for losses caused by third-party service providers, carriers, or external factors beyond our control
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10. Indemnification
You agree to indemnify and hold harmless Felix Pinto LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, or expenses (including attorneys’ fees) arising from:
Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Any false or inaccurate information you provide
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11. Modifications to Service and Terms
We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms periodically. Material changes will be posted on this page with an updated “Last Updated” date. Continued use of the Service after changes constitutes acceptance of the updated Terms.
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12. Termination
We may terminate or suspend your access to the Service at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
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13. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without regard to its conflict of law principles. Any disputes shall be resolved in the courts located in [YOUR COUNTY/STATE].
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14. Severability
If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.
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15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Felix Pinto LLC regarding the use of the Service.
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16. Contact Us
For questions about these Terms of Service, contact us at:
Felix Pinto LLC
[YOUR BUSINESS ADDRESS]
Email: [email protected]
Phone: [YOUR BUSINESS PHONE]
Website: https://fpintolife.com
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📝 INSTRUCCIONES PARA IMPLEMENTAR
PASO 1: Reemplaza los placeholders
Antes de publicar, reemplaza:
`[DATE]` → Fecha actual (ej: November 16, 2024)
`[YOUR BUSINESS ADDRESS]` → Tu dirección comercial completa
`[YOUR BUSINESS PHONE]` → Tu nĂșmero de telĂ©fono comercial
`[YOUR STATE]` → Estado donde está registrada Felix Pinto LLC
`[YOUR COUNTY/STATE]` → Condado/Estado para jurisdicción legal
PASO 2: Crea las URLs
Las URLs deben ser:
Privacy Policy: `https://fpintolife.com/privacy-policy`
Terms of Service: `https://fpintolife.com/terms-of-service`
PASO 3: Reemplaza el contenido
Ve a tu WordPress
Edita la página de Privacy Policy → Reemplaza todo el contenido
Edita la página de Terms of Service → Reemplaza todo el contenido
Publica los cambios
PASO 4: Verifica los links
AsegĂșrate que los links en tu form de Fluent Forms apunten a:
https://fpintolife.com/privacy-policy
https://fpintolife.com/terms-of-service
PASO 5: Arregla el checkbox del form
Ve a Fluent Forms → Edita el form → Encuentra el checkbox SMS → Desmarca “Required” → Guarda
PASO 6: Vuelve al Trust Center de GHL
Click en “Review Application” → DeberĂ­a pasar TODOS los checks ahora
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✅ CLÁUSULAS A2P 10DLC INCLUIDAS