TERMS AND CONDITIONS

Effective Date: 06/11/2026

Welcome to AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS. Please read these Terms and Conditions carefully before using our website or subscribing to our SMS communications.

ACCEPTANCE OF TERMS

By accessing or using this website, you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and acknowledge that you are responsible for compliance with any applicable local laws.

USE LICENSE

Permission is granted to temporarily download one copy of the materials on AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS's website for personal, non-commercial transitory viewing only.

This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials;
• Use the materials for any commercial purpose;
• Attempt to decompile or reverse engineer any software contained on the website;
• Remove any copyright or proprietary notations from the materials.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS at any time.

DISCLAIMER

The materials on AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS's website are provided on an "as is" basis.

AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS makes no warranties, expressed or implied, and hereby disclaims all other warranties, including without limitation implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property.

LIMITATION OF LIABILITY

In no event shall AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS, its affiliates, partners, employees, agents, or suppliers be liable for any damages arising out of the use or inability to use the materials or services provided through this website.

THIRD-PARTY LINKS

This website may contain links to third-party websites. AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS has not reviewed all linked sites and is not responsible for the contents, policies, or practices of any linked website.

MODIFICATIONS

AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS may revise these Terms and Conditions at any time without notice. By using this website, you agree to be bound by the then-current version of these Terms and Conditions.

AGE RESTRICTION

You must be 18 years old or older to use this SMS service.

SMS MESSAGING PROGRAM

By providing your mobile phone number and opting in, you consent to receive SMS messages from AMARELYS BENITEZ VALDES dba BENITEZ FINANCIAL SS regarding life insurance products and services.

Types of messages may include:

• Life insurance quote updates.
• Quote follow-up communications.
• Appointment confirmations and reminders.
• Insurance application status updates.
• Policy information and notifications.
• Policy renewal reminders.
• Customer support communications.
• Service-related alerts and notifications.
• Promotional messages and special offers.
• Educational content related to life insurance and financial protection.

Message frequency may vary depending on your interaction with our services and the status of your insurance inquiries, applications, or policies.

SMS consent is not a condition of purchase. You must be 18 years old or older to use this SMS service.

MESSAGE FREQUENCY

Message frequency varies. Users may receive recurring messages based on their requests, appointments, policies, customer service interactions, and marketing preferences.

MESSAGE AND DATA RATES

Message and data rates may apply for messages sent to you from us and to us from you. Charges may vary based on your mobile carrier and service plan.

OPT-OUT INSTRUCTIONS

You may opt out of receiving SMS messages at any time by replying STOP to any message.

After sending STOP, you may receive a final confirmation message confirming your opt-out request. No further SMS messages will be sent unless you opt in again.

HELP AND CUSTOMER SUPPORT

For assistance, reply HELP to any SMS message or contact us directly at:

Email: [email protected]

CARRIER LIABILITY DISCLAIMER

Carriers are not liable for delayed or undelivered messages.

AGE RESTRICTION

You must be 18 years old or older to use this SMS service.

PRIVACY POLICY

Your use of this website and participation in our SMS program are also governed by our Privacy Policy.

For privacy-related information, please review our Privacy Policy available on this website.

TERMINATION

We reserve the right to terminate or suspend access to our services, website, or SMS program at our sole discretion, without prior notice, for conduct that we believe violates these Terms and Conditions or is harmful to other users or our business operations.

CONTACT INFORMATION

If you have any questions regarding these Terms and Conditions, please contact us at:

Email: [email protected]

By using this website and/or opting into our SMS messaging program, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.