Terms & Conditions

Terms and Conditions for Hector Sanchez, Licensed Life Insurance Advisor

Effective Date: 03/26/2026
Last Updated: 03/26/2026

Welcome to my services. These Terms and Conditions ("Terms") govern your use of my services as a licensed life insurance advisor in California, Oregon, Nevada, New Mexico, Pennsylvania, and New Jersey. By using my services, you agree to these Terms. If you do not agree, please refrain from using my services.

1. About My Services

I am licensed to transact life insurance business in the following states: California, Oregon, Nevada, New Mexico, Pennsylvania, and New Jersey. I assist clients in identifying life insurance products that align with their financial goals and needs.

State-Specific Licensing Disclosure:
My services are only available to individuals residing in the states where I am licensed. I do not offer or provide insurance advice or products outside of these jurisdictions.

2. Privacy and Data Use

Your privacy is important to me. Please review my Privacy Policy for details on how your personal information is collected, used, and protected.

California-Specific Privacy Rights (CCPA):

The right to request access to personal data I collect about you

The right to request deletion of your data, subject to exceptions

The right to know how your personal data is used and shared

To exercise your California privacy rights, contact me using the information in Section 11.

Nevada Privacy Rights:

Nevada residents have the right to opt out of the sale of personal data. While I do not sell personal information, Nevada residents may submit requests using the contact information below.

3. SMS/Text Messaging Terms

By providing your phone number and opting in through my website forms, appointment scheduling, or other consent methods, you agree to receive SMS/text messages from Hector Sanchez.

Types of Messages You May Receive:

Appointment reminders and confirmations

Follow-ups regarding your request or application

Policy updates and service notifications

Educational content related to life insurance and financial planning

Promotional or marketing messages (if you have provided consent)

Message Frequency:

Message frequency varies depending on your interaction, typically ranging from 1–5 messages per week.

Opt-Out Instructions:

To stop receiving messages, reply STOP to any text message.

Additional SMS Disclosures:

Message and data rates may apply. Check with your carrier for details.

Carriers are not liable for delayed or undelivered messages.

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

4. Recommendations and Disclosures

Best Interest Obligations (New Jersey): I act in the best interest of my clients based on disclosed needs and objectives.

Transparency in Product Features (Pennsylvania): I disclose guaranteed vs. non-guaranteed elements of policies.

Compensation Disclosure (Oregon, Nevada, New Mexico): I may receive commissions from carriers. This does not affect your premiums.

5. No Guarantees

I cannot guarantee:

Approval of your application

Specific policy terms or premiums

All final decisions are made by the insurance carrier.

6. Limitation of Liability

To the fullest extent permitted by law, I am not liable for:

Errors or omissions

Reliance on recommendations

Decisions made by insurance carriers

(Some states may not allow these limitations.)

7. Governing Law

These Terms are governed by the laws of California. Residents of other states may have additional protections under local laws.

8. Changes to These Terms

I may update these Terms periodically. Continued use of my services means you accept those updates.

9. Termination

I may suspend or terminate services if:

These Terms are violated

False or misleading information is provided

10. Additional State-Specific Rights

California:
Contact the California Department of Insurance: www.insurance.ca.gov

Oregon, Nevada, New Mexico, Pennsylvania, New Jersey:
You may contact your state insurance department regarding concerns. Contact details available upon request.

11. Contact Information

If you have questions or need assistance:

Hector Sanchez
Email: [email protected]
Phone: (619)279-8913