Phoenix Comprehensive Insurance & Retirement Services
Doing Business As DBA NAME: None
Terms and Conditions and Consent Agreement
Last Updated: May 20, 2026
1. Important Legal Notice
PLEASE READ THIS TERMS AND CONDITIONS AND CONSENT AGREEMENT CAREFULLY BEFORE ACCESSING, USING, DOWNLOADING, PURCHASING, SUBMITTING INFORMATION THROUGH, OR OTHERWISE ENGAGING WITH ANY WEBSITE, LANDING PAGE, DIGITAL CONTENT, COMMUNICATION PLATFORM, CONSULTATION, SERVICE, LEAD MAGNET, OR MATERIAL PROVIDED BY Phoenix Comprehensive Insurance & Retirement Services (“Company,” “we,” “our,” or “us”).
BY ACCESSING OR USING ANY COMPANY WEBSITE, CONTENT, FORM, APPLICATION, COMMUNICATION CHANNEL, OR SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, ACCEPTED, AND AGREED TO BE LEGALLY BOUND BY THIS AGREEMENT.
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY DISCONTINUE USE OF ALL COMPANY MATERIALS, SERVICES, AND COMMUNICATION CHANNELS.
2. Parties and Definitions
For purposes of this Agreement:
2.1 “Company”
Refers to Phoenix Comprehensive Insurance & Retirement Services, including its owners, officers, employees, agents, representatives, contractors, affiliates, licensors, successors, assigns, and related entities.
2.2 “User”
Refers to any individual or entity accessing, browsing, downloading, submitting information to, communicating with, or otherwise using any Company website, service, content, or communication platform.
2.3 “Services”
Refers to all products, informational materials, consultations, lead magnets, educational resources, downloadable materials, insurance-related informational content, communications, forms, and related offerings made available by the Company.
2.4 “Content”
Refers to all written materials, PDFs, guides, ebooks, videos, graphics, systems, frameworks, presentations, downloads, templates, educational materials, training materials, branding, and proprietary information provided by the Company.
3. Scope of Services
The Company provides educational and informational materials relating to life insurance and related financial protection topics, including but not limited to:
Educational guides
Informational ebooks and PDFs
General insurance-related information
Consultations
Marketing and informational communications
Lead generation materials
Insurance product discussions and related services
The Company reserves the right to modify, suspend, discontinue, or restrict any Service, Content, or offering at any time without notice or liability.
4. Educational Purpose Only
All information, materials, communications, and Services provided by the Company are intended solely for general educational and informational purposes.
No Content provided by the Company shall be interpreted as individualized financial planning, legal advice, tax advice, investment advice, fiduciary advice, accounting advice, or any other regulated professional advisory service.
Any decisions made based upon Company Content are made solely at the User’s own risk and discretion.
5. No Professional Advice Disclaimer
The Company does not act as a law firm, accounting firm, investment advisory firm, tax advisory firm, fiduciary, securities broker-dealer, or financial planning firm unless explicitly stated in a separate written agreement signed by authorized representatives of the Company.
The Company does not provide:
Legal advice
Tax advice
Investment advice
Securities recommendations
Fiduciary services
Estate planning advice
Accounting services
Guaranteed insurance recommendations
Users are advised to consult qualified licensed professionals regarding their specific circumstances before making financial, insurance, legal, tax, business, or investment decisions.
No communication from the Company shall create any fiduciary relationship unless expressly established through a separate written agreement.
6. No Guarantees and No Income Claims
The Company makes no representations, warranties, guarantees, or assurances regarding:
Financial outcomes
Insurance eligibility
Insurance approvals
Policy performance
Future benefits
Cost savings
Business success
Income generation
Financial improvement
Asset protection outcomes
Tax treatment
Personal results of any kind
Past performance, examples, testimonials, case studies, illustrations, or hypothetical scenarios are not guarantees of future results.
Insurance product availability, pricing, underwriting decisions, benefits, and eligibility are determined by third-party insurance carriers and may vary based upon numerous factors outside the Company’s control.
Users acknowledge that all financial and insurance-related decisions involve inherent risk.
7. Payment Terms
To the extent any paid Services or products are offered:
7.1 Payment Obligation
Users agree to provide accurate and complete payment information and authorize the Company to charge all applicable fees.
7.2 Pricing
The Company reserves the right to modify pricing at any time without prior notice.
7.3 Chargebacks
Users agree not to initiate fraudulent chargebacks or payment disputes. The Company reserves the right to pursue all lawful remedies for improper chargebacks, including collection costs, attorney fees, and damages.
7.4 Late Payments
The Company reserves the right to suspend or terminate access to Services for nonpayment.
8. Refund Policy
Unless otherwise expressly stated in writing by the Company, all purchases, fees, consultations, digital products, educational materials, and services are nonrefundable.
Because digital materials may be immediately accessed or downloaded, Users acknowledge that no refunds, credits, exchanges, or cancellations shall be provided once access has been granted.
The Company reserves sole discretion regarding any exception to this policy.
9. Lead Magnet and Free Content Disclaimer
The Company may provide free informational resources including, but not limited to:
Ebooks
Guides
Checklists
PDFs
Educational downloads
Consultations
Web-based informational materials
Such materials are offered solely for informational and marketing purposes and do not create any professional-client relationship, fiduciary relationship, or guarantee of service availability.
Free Content may contain generalized information that does not apply to every User’s situation.
Users assume full responsibility for any actions taken based upon free Content.
10. Assumption of Risk
Users knowingly and voluntarily assume all risks associated with the use of Company Services and Content.
Such risks include, but are not limited to:
Financial loss
Insurance-related decisions
Reliance upon educational information
Third-party product decisions
Policy selection outcomes
Business or personal financial consequences
Technology failures
Data transmission risks
Users acknowledge that the Company cannot and does not guarantee any specific outcome.
11. Communications Consent
11.1 Consent to Communications
By submitting any form, contact request, application, inquiry, registration, opt-in form, download request, or other information to the Company, Users expressly consent to receive communications from the Company and its representatives.
Such communications may include:
Telephone calls
Text messages
Emails
Artificial or prerecorded voice messages
Automated telephone dialing system communications
Promotional communications
Appointment reminders
Marketing materials
Insurance-related communications
Follow-up communications
11.2 TCPA Consent
Users expressly consent to receive autodialed, prerecorded, and marketing communications at the telephone numbers and email addresses provided, even if such numbers are listed on any state or federal Do Not Call registry.
Consent is not a condition of purchase.
11.3 Carrier Charges
Message and data rates may apply. Users are solely responsible for charges imposed by wireless carriers.
12. Opt-Out Instructions
Users may opt out of marketing communications at any time by:
Replying “STOP” to text messages
Using unsubscribe links in emails
Contacting the Company directly
Opting out of marketing communications does not prevent the Company from sending transactional, administrative, legal, or service-related communications.
13. Intellectual Property Rights
All Company Content is protected under applicable intellectual property laws, including copyright, trademark, trade secret, and unfair competition laws.
The Company retains exclusive ownership of all:
Educational materials
Frameworks
Systems
Processes
Branding
Logos
Downloads
Guides
Templates
Written materials
Marketing materials
Designs
Concepts
Training content
No license or ownership rights are transferred to Users except for a limited, revocable, nontransferable personal-use license.
14. Acceptable Use of Materials
Users agree not to:
Copy or reproduce Company Content
Sell or redistribute materials
Modify proprietary materials
Create derivative works
Share login or access credentials
Misrepresent Company materials as their own
Use Content for unlawful purposes
Reverse engineer proprietary systems
Use Content to compete with the Company
Unauthorized use may result in legal action, injunctive relief, monetary damages, and termination of access.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY:
INDIRECT DAMAGES
INCIDENTAL DAMAGES
CONSEQUENTIAL DAMAGES
SPECIAL DAMAGES
PUNITIVE DAMAGES
LOSS OF PROFITS
LOSS OF DATA
BUSINESS INTERRUPTION
PERSONAL OR BUSINESS LOSSES
INSURANCE DECISIONS
FINANCIAL LOSSES
LOST OPPORTUNITIES
WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE.
THE COMPANY’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT PAID BY THE USER TO THE COMPANY, IF ANY, DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
16. Indemnification Clause
Users agree to indemnify, defend, and hold harmless the Company from and against any and all claims, liabilities, damages, losses, demands, actions, judgments, settlements, penalties, costs, and expenses, including reasonable attorney fees, arising from or related to:
User conduct
Violation of this Agreement
Misuse of Company Content
Reliance upon Company information
Violation of laws or regulations
Third-party claims related to User conduct
17. Disclaimer of Warranties
All Services and Content are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, express or implied.
The Company disclaims all warranties including, but not limited to:
Merchantability
Fitness for a particular purpose
Accuracy
Reliability
Availability
Noninfringement
Performance
Completeness
The Company does not warrant that Services will be uninterrupted, error-free, secure, or free from harmful components.
18. Third Party Links Disclaimer
The Company may reference or link to third-party websites, services, insurance carriers, or external resources.
The Company does not control and is not responsible for:
Third-party content
Third-party privacy practices
Third-party products or services
Accuracy of external information
Third-party business conduct
Users access third-party resources entirely at their own risk.
19. Arbitration Agreement
Any dispute, controversy, or claim arising out of or relating to this Agreement, the Services, or the relationship between the parties shall be resolved exclusively through binding arbitration.
Arbitration shall take place in Indianapolis, Indiana.
The arbitration shall be administered pursuant to the applicable rules of the American Arbitration Association or another arbitration provider selected by the Company.
Users waive the right to litigate disputes in court except where prohibited by law.
20. Waiver of Jury Trial
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PARTIES KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A JURY TRIAL FOR ANY CLAIM ARISING OUT OF OR RELATED TO THIS AGREEMENT OR THE SERVICES PROVIDED BY THE COMPANY.
21. Class Action Waiver
Users agree that any dispute shall be brought solely in an individual capacity and not as part of any class action, consolidated action, representative action, or collective proceeding.
Users expressly waive any right to participate in class action litigation or class-wide arbitration.
22. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to conflict of law principles.
23. Modification of Terms
The Company reserves the right to modify, amend, or update this Agreement at any time without prior notice.
Updated versions shall become effective immediately upon posting.
Continued use of Company Services following modifications constitutes acceptance of the revised terms.
24. Severability
If any provision of this Agreement is determined to be unlawful, unenforceable, or invalid, the remaining provisions shall remain in full force and effect.
25. Entire Agreement
This Agreement constitutes the entire agreement between the parties concerning the subject matter herein and supersedes all prior discussions, communications, representations, or agreements, whether oral or written.
No waiver of any provision shall be effective unless in writing and signed by the Company.
26. Contact Information
Phoenix Comprehensive Insurance & Retirement Services
Email: [email protected]
Phone: 317-437-8712
By using the Company’s Services, websites, forms, downloads, communications, or materials, Users acknowledge that they have read, understood, and agreed to be legally bound by this Terms and Conditions and Consent Agreement.