Terms of Service

Overview

These Terms of Service govern your use of the Amparo Life website located at amparolife.com and any communications you receive from us. By using our website or submitting your information, you agree to these terms.

Amparo Life is operated by Ramon Daniel, a licensed life insurance and annuities agent in the State of Florida (License #G325757).

1. Services Described

Amparo Life provides life insurance and annuities consultation services to individuals and families in Florida. Our services include:

• Free 30-minute discovery calls to assess your insurance and retirement needs
• Independent comparison of life insurance and annuity products across multiple carriers
• Guidance on term life, whole life, indexed universal life (IUL), annuities, final expense, and mortgage protection insurance
• Follow-up communications related to your inquiry via phone, email, or SMS (with your consent)

2. Eligibility

By using this website and submitting your information, you confirm that:

• You are at least 18 years of age
• You are a resident of the United States
• The information you provide is accurate and complete to the best of your knowledge

3. SMS Messaging Program — Amparo Life Messaging

4. Website Use

By accessing amparolife.com you agree to:

• Use the website for lawful purposes only
• Not attempt to disrupt, damage, or gain unauthorized access to our website or systems
• Not submit false, misleading, or fraudulent information through any form or communication
• Not reproduce, copy, or distribute any content from this website without our written permission

5. No Insurance Advice or Guarantee

The information provided on this website is for general informational purposes only and does not constitute insurance advice tailored to your specific situation. No coverage, rate, or product availability is guaranteed until a formal application has been submitted and approved by an insurance carrier.

Insurance products described on this website:

• Are not FDIC insured
• Are not bank guaranteed
• May lose value (where applicable)
• Are subject to carrier underwriting approval

6. Third-Party Links

Our website may contain links to third-party websites including insurance carriers, scheduling tools, and video conferencing platforms. These links are provided for your convenience only. We are not responsible for the content, privacy practices, or terms of any third-party website.

7. Intellectual Property

All content on amparolife.com including text, graphics, logos, and page layouts is the property of Amparo Life and Ramon Daniel. You may not reproduce, distribute, or use any content without our express written permission.

8. Limitation of Liability

To the fullest extent permitted by law, Amparo Life and Ramon Daniel shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or reliance on information provided herein.

9. Governing Law

These Terms of Service are governed by the laws of the State of Florida. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts located in Orange County, Florida.

10. Compliance with Industry Standards

Amparo Life is committed to complying with all applicable federal and state laws governing insurance marketing and SMS communications, including but not limited to:

• The Telephone Consumer Protection Act (TCPA)
• The CAN-SPAM Act
• CTIA Short Code Monitoring Handbook guidelines
• Florida Department of Financial Services insurance marketing regulations
• T-Mobile and carrier A2P 10DLC compliance requirements

We do not send prohibited content including phishing, smishing, illegal content, or any content that violates SHAFT guidelines (sex, hate, alcohol, firearms, tobacco).

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. Changes will be effective immediately upon posting to this page. The "Last Updated" date at the top of this page will reflect the most recent revision. Continued use of our website after any changes constitutes your acceptance of the updated terms.

12. Contact Us