TERMS & CONDITIONS

Effective Date: August 3, 2026

These Terms and Conditions ("Terms") govern your access to and use of the website, services, communications, scheduling tools, and technology platforms (collectively, the "Services") provided by Roxie Allison ("we," "us," or "our").

By accessing or using the Services, you agree to be bound by these Terms.

1. Nature of Services

Roxie Allison provides information, education, and guidance related to life insurance, annuities, retirement planning, and other insurance products.

The information provided is for general informational purposes and should not be considered legal, tax, or investment advice. Individuals should consult their own qualified professionals regarding their specific circumstances.

2. SMS Communications (Program Description)

We may send SMS text messages to individuals who provide express consent through website forms, registrations, or scheduling tools.

SMS messages may include:

Appointment scheduling

Inquiry follow-ups

Service-related updates

Administrative notifications

Message frequency varies based on user activity.

Message and data rates may apply.

3. Opt-Out Instructions

You may cancel SMS communications at any time by replying:

STOP — to unsubscribe

HELP — for assistance

After sending STOP, you will receive a confirmation message and will no longer receive SMS messages unless you opt in again.

For support:

Email: [email protected]

Phone: (Your Business Phone Number)

4. Communications Consent

By providing your phone number, you consent to receive informational communications via SMS, phone, or email from Roxie Allison.

Consent is not a condition of purchasing any product or service.

5. Message & Data Rate Disclosure

Standard message and data rates may apply for messages sent to and from your mobile device. Contact your wireless provider for details regarding your messaging plan.

6. Carrier Liability Disclaimer

Wireless carriers are not responsible for delayed or undelivered messages.

7. Age Restriction

The Services are intended only for individuals 18 years of age or older. We do not knowingly collect information from minors.

8. No Guarantee

We do not guarantee:

Insurance approval

Policy issuance

Premium rates

Financial results

Future investment performance

Income or tax outcomes

Coverage and premiums are subject to underwriting, carrier guidelines, product availability, and applicable state laws.

9. User Responsibilities

You agree to:

Provide accurate and truthful information

Use the Services lawfully

Comply with applicable laws and regulations

Respect intellectual property rights

10. Intellectual Property

All content, branding, text, graphics, logos, images, and website materials are the property of Roxie Allison unless otherwise noted and may not be copied, reproduced, distributed, or modified without prior written permission.

11. Third-Party Services

Our Services may rely on third-party websites, software, carriers, scheduling platforms, or communication providers.

We are not responsible for the availability, security, or practices of any third-party services.

12. Disclaimer of Warranties

The Services are provided "as is" and "as available" without warranties of any kind, either express or implied, to the fullest extent permitted by law.

13. Limitation of Liability

To the fullest extent permitted by law, Roxie Allison shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Services or reliance upon information provided through the website.

14. Indemnification

You agree to defend, indemnify, and hold harmless Roxie Allison from any claims, liabilities, damages, losses, and expenses resulting from your misuse of the Services or violation of these Terms.

15. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law principles.

Any disputes shall be resolved in accordance with applicable Florida law. Where permitted, disputes may be resolved through binding arbitration.

16. Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

17. Changes to These Terms

We may update these Terms from time to time.

Changes become effective immediately upon posting to this website. Continued use of the Services constitutes your acceptance of the updated Terms.

18. Contact Information

Roxie Allison

Phone: (Your Business Phone Number)

Email: [email protected]

© 2026 Roxie Allison. All rights reserved.