⚖️ TERMS OF USE
Effective Date: May 20, 2026
Last Updated: May 25, 2026
1. AGREEMENT TO TERMS
By accessing or using this website, submitting your information, requesting insurance quotes, or communicating with Elliot R Feyjoo, Insurance (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Use and our Privacy Policy.
If you do not agree, you should not use our services.
2. SERVICES PROVIDED
We provide insurance and financial-related services, including but not limited to:
Life insurance consultations
Final expense insurance services
Mortgage protection information
Indexed Universal Life (IUL) guidance
Retirement planning support
Insurance quote requests and follow-ups
Appointment scheduling and customer support
All services are provided for informational and advisory purposes unless a formal agreement is executed.
3. ELIGIBILITY
You must be at least 18 years old to use our services. By using our website or submitting your information, you confirm that you meet this requirement.
4. SMS COMMUNICATION TERMS (IMPORTANT)
4.1 SMS Consent
By providing your phone number through our website, forms, or communication channels, you expressly consent to receive SMS/text messages from Elliot R Feyjoo, Insurance Services.
4.2 Types of Messages
You may receive SMS messages including:
Appointment reminders
Insurance quote updates
Policy-related notifications
Customer support messages
Account or service updates
4.3 Message Frequency
Message frequency may vary depending on your interaction with us.
4.4 Message & Data Rates
Standard message and data rates may apply depending on your mobile carrier.
4.5 Opt-Out Instructions
You may opt out at any time by replying STOP to any SMS message.
For assistance, reply HELP or contact us directly.
4.6 SMS Consent Protection (A2P REQUIRED CLAUSE)
We do not sell, rent, or share SMS opt-in consent or mobile numbers with third parties for marketing or promotional purposes.
SMS consent is used strictly for service-related communication.
5. USER INFORMATION & ACCURACY
You agree that all information you provide is accurate, complete, and up to date. Providing false or misleading information may limit our ability to provide services.
6. ACCEPTABLE USE
You agree NOT to:
Use the website for unlawful purposes
Attempt unauthorized access to systems
Misuse contact forms or SMS systems
Submit spam or fraudulent information
Interfere with website functionality
7. THIRD-PARTY SERVICES
We may use third-party providers for operational purposes, including:
CRM and customer management systems
SMS delivery providers
Cloud hosting services
Insurance carriers
Payment processors
These providers are used strictly for business operations and are required to protect your data.
We are not responsible for third-party websites or their policies.
8. SMS Carrier Liability Disclaimer
SMS messaging services are provided through third-party mobile carriers and messaging providers. Delivery of SMS messages is subject to the effective transmission by your mobile carrier and network availability.
We are not responsible or liable for any delayed, failed, or undelivered messages caused by mobile carriers, network issues, or third-party service providers.
Carriers are not liable for delayed or undelivered messages.
9. NO GUARANTEE OF RESULTS
We do not guarantee insurance approval, pricing, coverage availability, or financial outcomes. All insurance decisions are made by licensed carriers and underwriting guidelines.
10. INTELLECTUAL PROPERTY
All content on this website—including text, branding, logos, graphics, and materials—is owned by Elliot R Feyjoo, Insurance Services and protected under applicable intellectual property laws.
You may not copy, reproduce, or distribute any content without written permission.
11. DISCLAIMERS
Services are provided “as is” and “as available”
We do not guarantee uninterrupted or error-free service
Insurance quotes are estimates and subject to underwriting approval
We are not responsible for carrier decisions or delays
12. LIMITATION OF LIABILITY
To the maximum extent permitted by law, Elliot R Feyjoo, Insurance Services shall not be liable for any indirect, incidental, or consequential damages arising from the use of our website or services.
13. PRIVACY POLICY
Your use of our services is also governed by our Privacy Policy, which explains how your data is collected and used.
14. TERMINATION
We reserve the right to suspend or terminate access to our services at any time, without notice, if we believe there is a violation of these Terms.
15. CHANGES TO TERMS
We may update these Terms of Use at any time. Changes will be effective immediately upon posting. Continued use of the website indicates acceptance of the updated Terms.
16. GOVERNING LAW
These Terms are governed by the laws of the State of New York, United States, without regard to conflict of law principles.
17. CONTACT US
If you have any questions about these Terms or the Program, please contact us:
Business Nmae:
Elliot R Feyjoo
Phone:
+1 508-414-1044
Email:
Address:
469 stafford st, cherry valley MA 01611
Website