Terms & Conditions
Please review these Terms & Conditions before using our website or requesting insurance services.
Acceptance of Terms
By accessing or using this website, you agree to comply with these Terms & Conditions. If you do not agree with these terms, please discontinue use of this website.
Website Purpose
This website is intended to provide educational information regarding life insurance, annuities, disability insurance, business insurance solutions, and related insurance services offered through Tirso Beltran Insurance Group.
The information provided is for informational purposes only and should not be considered legal, tax, financial, or investment advice.
Insurance Quotes
- Insurance quotes displayed or provided through this website are estimates only.
- Final premiums, underwriting decisions, eligibility, and policy approval are determined solely by the insurance carrier.
- Submitting information through this website does not guarantee coverage or policy approval.
Appointment Scheduling
- Most consultations are conducted securely through Zoom for your convenience.
- In-person appointments may be available upon request depending on location and availability.
SMS Communications
By voluntarily providing your phone number through our website, you agree to receive text messages from Tirso Beltran Insurance Group regarding:
- Appointment reminders
- Insurance quotes
- Policy updates
- Customer service
- Requested information
- Follow-up communications related to your inquiry
Email Communications
By providing your email address, you consent to receive emails related to:
- Insurance quotes
- Appointment confirmations
- Policy information
- Customer support
- Service updates
Marketing emails may only be sent where permitted by law, and you may unsubscribe at any time.
Privacy
Your privacy is important to us. Please review our Privacy Policy to learn how we collect, use, store, and protect your personal information.
Children Under 13
Tirso Beltran Insurance Group does not knowingly collect personal information from children under the age of 13.
Our website and services are intended for individuals who are at least 18 years of age or are using the website with the involvement and consent of a parent or legal guardian.
If we become aware that personal information has been collected from a child under 13 without verified parental consent, we will promptly delete such information.
Intellectual Property
All content on this website, including text, graphics, logos, icons, images, layouts, and design elements, is the property of Tirso Beltran Insurance Group unless otherwise stated.
No content may be copied, reproduced, modified, or distributed without prior written permission.
Third-Party Services
Our website may use trusted third-party services including:
- Calendly
- Zoom
- Microsoft 365
- Google Analytics
- Licensed Insurance Carrier Platforms
Each third-party provider operates under its own Terms and Privacy Policy.
Limitation of Liability
The information provided on this website is offered in good faith for general informational purposes.
Tirso Beltran Insurance Group makes no guarantees regarding the completeness, accuracy, or availability of the information presented.
We shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use of this website.
Insurance coverage is subject to carrier approval, underwriting requirements, and applicable state regulations.
Independent Agency Disclosure
Tirso Beltran Insurance Group is an independent insurance agency. Insurance products are offered through licensed insurance carriers.
Coverage availability, eligibility, premiums, product features, and policy terms vary by carrier and by state.
Nothing contained on this website should be interpreted as a guarantee of coverage or an offer to insure.
Governing Law
These Terms & Conditions shall be governed by the laws of the State of Arizona and applicable federal laws of the United States.
Changes to These Terms
These Terms & Conditions may be updated periodically. Any modifications will become effective immediately upon posting to this page.
Continued use of the website constitutes acceptance of any revised Terms & Conditions.
Contact Information
If you have questions regarding these Terms & Conditions, please contact:
Tirso Beltran Insurance Group
Tirso Beltran Insurance Group is an independent insurance agency. Insurance products are offered through licensed insurance carriers. Product availability, eligibility, rates, and coverage vary by state and carrier. Submission of information through this website does not guarantee coverage or approval.
Questions About Our Terms?
If you have questions regarding these Terms & Conditions or our insurance services, our licensed team is ready to help.