These Terms & Conditions ("Terms") govern your use of the services provided by Allied Life Financial Group LLC, doing business as Allied Life Financial Group ("Company," "we," "us," or "our"), accessible at AlliedLFG.com ("Website"). Please read these Terms carefully before using our services.
1. Acceptance of Terms
By accessing or using our Website, services, or any communications provided by Allied Life Financial Group LLC, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use our services.
Your continued use of our services following any updates or modifications to these Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically.
2. Description of Services
Allied Life Financial Group LLC provides financial services and related support to its clients and prospective clients. Our services include, but are not limited to, the following:
- Life insurance consultation, planning, and policy management
- Financial guidance and advisory communications
- Appointment scheduling and reminders
- Customer care and ongoing account support
- Delivery of promotional offers, marketing updates, and newsletters
- Onboarding assistance for new clients
- Event notifications and account-related updates
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with or without notice. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.
3. User Accounts and Registration
Certain features of our services may require you to register for an account or provide personal information. By registering, you agree to:
- Provide accurate, current, and complete information as prompted during any registration or opt-in process
- Maintain and promptly update your information to keep it accurate, current, and complete
- Maintain the confidentiality of any credentials associated with your account
- Notify us immediately at the contact information listed in these Terms if you suspect unauthorized use of your account or personal information
- Accept responsibility for all activities that occur under your account
We reserve the right to suspend or terminate your account and access to our services if any information you provide is found to be inaccurate, incomplete, or in violation of these Terms.
4. Acceptable Use
By using our services, you agree not to engage in any of the following prohibited activities:
- Using our services for any unlawful purpose or in violation of any applicable federal, state, or local laws or regulations
- Transmitting unsolicited communications, spam, or any unauthorized advertising or promotional material
- Impersonating any person or entity or falsely representing your affiliation with any person or entity
- Attempting to gain unauthorized access to any portion of our services, systems, or networks
- Interfering with or disrupting the integrity or performance of our services or related infrastructure
- Harvesting or collecting personal information about other users without their express consent
- Engaging in any activity that could damage, disable, overburden, or impair our services or servers
- Using our services to transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable
We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this Acceptable Use provision, including without limitation removing any offending content and terminating access to our services.
5. SMS Terms of Service
The following SMS Terms of Service apply to all text message communications initiated by or on behalf of Allied Life Financial Group LLC. By opting in to receive SMS messages from us, you agree to the terms set forth in this section.
5.1 Program Description
Allied Life Financial Group LLC operates an SMS messaging program to communicate with current and prospective clients. Messages sent under this program may include, but are not limited to, the following use cases:
- Appointment reminders
- Customer care and support
- Promotional offers
- Marketing updates
- Onboarding and welcome messages
- Newsletter and drip content
- Event reminders
- Account notifications
- Order and delivery updates
5.2 Message Frequency
Message frequency varies and will not exceed the level based on your subscriber opt-in selection. The number of messages you receive will depend on the specific program(s) to which you have subscribed and the preferences you have indicated during the opt-in process.
5.3 Rates and Charges
Message and data rates may apply. Standard messaging and data rates imposed by your mobile carrier may apply to all SMS messages sent to and received from Allied Life Financial Group LLC. Allied Life Financial Group LLC is not responsible for any charges assessed by your mobile carrier.
5.4 Carrier Liability Disclaimer
Carriers are not liable for delayed or undelivered messages. Allied Life Financial Group LLC does not guarantee delivery of any SMS message, as delivery is subject to the policies and network conditions of your mobile carrier.
5.5 How to Opt In
To opt in to receive SMS messages from Allied Life Financial Group LLC, you must complete the following double opt-in process:
- Step 1, Web Form Submission: You complete and submit an online opt-in form on our Website at AlliedLFG.com or through an authorized landing page. By submitting the form, you indicate your interest in receiving SMS communications from us and provide your mobile phone number.
- Step 2, Confirmation SMS: After submitting the form, you will receive an initial SMS message from Allied Life Financial Group LLC asking you to confirm your enrollment in our messaging program.
- Step 3, Reply to Confirm: You must reply YES to the confirmation SMS to complete your enrollment. Your opt-in will not be finalized, and you will not receive program messages, until you reply YES as instructed.
By completing the double opt-in process, you expressly consent to receive recurring automated text messages from Allied Life Financial Group LLC at the mobile number you provided. Consent to receive SMS messages is not a condition of purchasing any goods or services.
5.6 How to Opt Out
You may opt out of receiving SMS messages from Allied Life Financial Group LLC at any time. To unsubscribe, reply STOP to any SMS message you receive from us. After we receive your opt-out request, we will send you a final confirmation message acknowledging your unsubscription, and you will no longer receive SMS messages from us unless you re-enroll.
5.7 How to Get Help
If you need assistance with our SMS program or have questions, reply HELP to any SMS message you receive from us. You may also contact us directly using the contact information provided in the Contact Information section of these Terms.
5.8 Supported Carriers
Our SMS program is compatible with most major U.S. mobile carriers. However, not all mobile carriers may be supported, and messaging services may not be available from all carriers. We are not responsible for any delays or failures in message delivery attributable to carrier limitations or coverage gaps.
5.9 Privacy and Data Practices
Your privacy is important to us. The collection, use, storage, and sharing of any personal information you provide in connection with our SMS program, including your mobile phone number, is governed by our Privacy Policy, available at AlliedLFG.com/privacy. By opting in to our SMS program, you acknowledge and agree to the data practices described in our Privacy Policy. We do not sell, rent, or share your mobile phone number or SMS opt-in information with third parties for their own marketing purposes.
6. Intellectual Property
All content, materials, features, and functionality available through our Website and services, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, and software, are the exclusive property of Allied Life Financial Group LLC or its licensors and are protected by applicable United States and international intellectual property laws, including copyright, trademark, and trade secret laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our Website and services solely for your personal, non-commercial purposes in accordance with these Terms. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any materials from our Website without our prior written consent.
All trademarks, service marks, trade names, logos, and trade dress displayed on our Website are proprietary to Allied Life Financial Group LLC or their respective owners. Nothing in these Terms grants you any right or license to use any such marks without the prior written permission of Allied Life Financial Group LLC or the applicable rights holder.
7. Limitation of Liability
To the fullest extent permitted by applicable law, Allied Life Financial Group LLC, its affiliates, officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to damages for loss of profits, revenue, data, goodwill, business opportunities, or other intangible losses, arising out of or related to:
- Your use of, or inability to use, our services or Website
- Any content or information obtained through our services
- Unauthorized access to or alteration of your transmissions or data
- Failure or delay in delivery of any SMS message
- Any third-party conduct or content in connection with our services
- Any other matter relating to our services
In no event shall the aggregate liability of Allied Life Financial Group LLC to you for all claims arising out of or related to these Terms or our services exceed the greater of (a) the total amount paid by you to Allied Life Financial Group LLC in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100.00).
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you in their entirety.
8. Disclaimer of Warranties
Our services and Website are provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, Allied Life Financial Group LLC expressly disclaims all warranties, including but not limited to:
- Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
- Warranties that our services will meet your requirements or be available on an uninterrupted, timely, secure, or error-free basis
- Warranties as to the accuracy, reliability, completeness, or timeliness of any content or information provided through our services
- Warranties that any SMS messages will be delivered successfully or without delay
Allied Life Financial Group LLC does not warrant that our services or the servers that make them available are free of viruses or other harmful components. Your use of our services is solely at your own risk.
9. Indemnification
You agree to defend, indemnify, and hold harmless Allied Life Financial Group LLC, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to:
- Your violation of these Terms or any applicable law or regulation
- Your use of our services or Website
- Your provision of inaccurate, incomplete, or misleading information, including any false or unauthorized opt-in submissions
- Any content you submit, post, transmit, or otherwise make available through our services
- Your infringement of any intellectual property or other rights of any third party
We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with our defense of such claim.
10. Modifications to Terms
Allied Life Financial Group LLC reserves the right to amend, update, or replace these Terms at any time at our sole discretion. When we make material changes to these Terms, we will update the Effective Date at the top of this document. We may also notify you of significant changes through our Website, via email, or via SMS where permitted and appropriate.
Your continued use of our services or your continued enrollment in our SMS program after the posting of any revised Terms constitutes your binding acceptance of the updated Terms. If you do not agree to the revised Terms, you must discontinue your use of our services and opt out of our SMS program as described in Section 5.6.
11. Governing Law
These Terms and any dispute arising out of or related to these Terms or our services shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in DuPage County, Illinois for the resolution of any disputes arising under or related to these Terms.
12. Contact Information
If you have any questions, concerns, or requests regarding these Terms, our SMS program, or our services generally, please contact us using the information below:
- Legal Name: Allied Life Financial Group LLC
- DBA / Brand Name: Allied Life Financial Group
- Mailing Address: Buffalo Grove, IL 60089
- Website: AlliedLFG.com
- Email: [email protected]
- Phone: (847) 874-8488
For SMS-specific support, you may also reply HELP to any message received from Allied Life Financial Group LLC, or reply STOP at any time to unsubscribe from our messaging program.