Terms of Service

Please take a moment to read these Terms of Service ("Terms") before using the website or services provided by Guardian Policy Group LLC ("we," "us," or "our"). Accessing or using our Service means you accept and agree to be bound by these Terms. If you do not agree, please discontinue use of our Service.

1. Permitted Use of Service

Guardian Policy Group LLC provides an educational quiz and connection service designed to link individuals with licensed insurance professionals. By using our Service, you agree to:

• Submit truthful, current, and complete information through our forms
• Use the Service only for lawful and legitimate purposes
• Refrain from interfering with, disrupting, or compromising our website or services
• Not use automated tools to access or extract data from our website without written authorization

2. Informational Purpose Only

Individual outcomes will vary. Prior performance of any financial product does not predict future results. No performance guarantees are expressed or implied. Consult a licensed and qualified professional before acting on any financial information.

3. SMS and Communication Consent

By entering your phone number through our quiz form, you give your express consent to receive SMS text messages from Guardian Policy Group LLC and its operating affiliate Everstand Tech LLC. These communications may include:

• One-time verification codes (OTP)
• Appointment confirmations and reminders
• Follow-up communications related to your inquiry
• Educational content about life insurance and retirement planning options

Message frequency varies. Standard message and data rates may apply.

To opt out at any time, reply STOP to any message. For support, reply HELP or email us at [email protected].

We do not share your phone number or SMS opt-in consent with third parties for marketing or advertising purposes. SMS opt-in data will not be sold, rented, or shared outside of Guardian Policy Group LLC and its operating affiliate Everstand Tech LLC.

4. Not Financial or Insurance Advice

Guardian Policy Group LLC operates as a marketing and lead generation platform. We are not a licensed insurer, financial advisor, or registered investment advisor. Being connected with a licensed professional through our platform does not create a formal advisory relationship — that relationship is established directly with the professional.

Insurance products referenced on this platform, including Indexed Universal Life (IUL) policies, involve risk and are subject to individual eligibility requirements, policy terms, and market conditions.

5. Third-Party Platforms

Our Service may involve or integrate with third-party platforms, including but not limited to:

• Meta (Facebook/Instagram): Advertising delivery and pixel-based tracking
• GoHighLevel (GHL): CRM and communication automation
• Calendly: Consultation scheduling
• Google: Calendar tools and analytics

Use of these third-party services is governed by their own terms and privacy policies. Guardian Policy Group LLC is not responsible for the data practices of third-party platforms.

6. Intellectual Property

All materials on this website — including written content, graphics, logos, and quiz content — are owned by Guardian Policy Group LLC and protected under applicable intellectual property law. Reproduction, redistribution, or creation of derivative works requires our prior written approval.

7. No Warranties

Our Service is provided on an "as is" and "as available" basis, without warranties of any kind — express or implied. We make no representations that:

• The Service will operate without interruption or error
• Information or results provided will be accurate, complete, or suitable for your needs
• The Service will fulfill any specific requirement you may have

8. Limitation of Liability

To the maximum extent permitted by applicable law, Guardian Policy Group LLC shall not be held liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — our Service. Any aggregate liability under these Terms shall not exceed the amount you paid to access the Service, if any.

9. Indemnification

You agree to defend, indemnify, and hold harmless Guardian Policy Group LLC and its affiliates, officers, agents, and employees from any losses, claims, damages, or expenses (including reasonable legal fees) resulting from your use of the Service or any breach of these Terms.

10. Governing Law

These Terms are governed by and interpreted under the laws of the United States and the applicable state in which Guardian Policy Group LLC operates, without reference to conflict-of-law principles.

11. Amendments to These Terms

We reserve the right to revise these Terms at any time. Updates will be published on this page with a revised "Last Updated" date. Continued use of our Service after changes are posted constitutes your acceptance of the revised Terms.

Carrier Liability

Mobile carriers (such as AT&T, Verizon, and T-Mobile) are not responsible for messages that are delayed or fail to deliver. Message delivery is governed solely by your mobile carrier's terms of service.

Age Requirement

Our Service is available to individuals aged 18 and older only. By using this Service, you confirm you meet this requirement. We do not knowingly collect information from anyone under 18 years of age.

Privacy Policy

For full details on how we collect, use, and protect your data, please review our Privacy Policy at: www.guardianpolicygroup.com/privacy-policy

Contact Us

Guardian Policy Group LLC
Email: [email protected]
Website: www.guardianpolicygroup.com