General Financial Group

Effective Date: 03/27/2026

1. Acceptance of Terms

By accessing or using the website www.gfgagency.com (“Website”), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use this Website.

2. Services Provided

General Financial Group (“Company,” “we,” “our,” or “us”), as a trademark of Garcia Financial Group LLC, provides:

- Insurance-related services (health, life, financial products)

- Quote comparisons

- Lead generation and consultation services

- We are not an insurance carrier and do not directly underwrite policies.

3. No Guarantee of Results

We do not guarantee:

- Approval for insurance coverage

- Specific pricing, savings, or benefits

- Eligibility for government programs (e.g., ACA subsidies)

All outcomes depend on:

- Individual eligibility

- Insurance carrier underwriting

- Market conditions

4. Licensing Disclaimer

General Financial Group operates through licensed insurance agents. Availability of services may vary by state.

5. User Responsibilities

By using our Website, you agree:

- To provide accurate and truthful information

- Not to use the Website for unlawful purposes

- Not to attempt to interfere with Website functionality

6. SMS Messaging Program (A2P Compliance)

By providing your phone number and opting in, you consent to receive SMS/text messages from General Financial Group.

Description & Use Cases:

Messages are sent to provide requested insurance quotes, appointment reminders, application status updates, and occasional marketing promotions related to our financial services.

Message Frequency:

Message frequency varies based on your interaction with our services.

Rates:

Message and data rates may apply for any messages sent to you from us and to us from you.

Carrier Liability:

Mobile carriers are not liable for delayed or undelivered messages.

Support/Help:

For support, reply HELP to any message or email us at support@gfgagency.com.

Opt-Out:

You can cancel the SMS service at any time. Just text STOP to any message. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed.

7. TCPA Compliance (Important)

By submitting your information, you expressly consent to receive communications from General Financial Group in accordance with the Telephone Consumer Protection Act (TCPA).

You may opt out at any time by:

- Replying “STOP” to SMS

- Unsubscribing from emails

8. Third-Party Services

We may connect you with third-party providers (insurance carriers, partners).

We are not responsible for:

- Their services

- Their policies

- Their outcomes

9. Intellectual Property

All content on this Website (including):

- Text

- Branding

- Logos

- Funnels and systems

is owned by General Financial Group and may not be copied or reused without permission.

10. Limitation of Liability

To the fullest extent permitted by law:

- General Financial Group shall not be liable for:

- Indirect damages

- Loss of income

- Missed opportunities

- Errors or omissions

11. Indemnification

You agree to indemnify and hold harmless General Financial Group from any claims arising from:

- Your use of the Website

- Your violation of these Terms

12. Modifications

We may update these Terms at any time. Continued use of the Website means you accept the updated Terms.

13. Governing Law

These Terms are governed by the laws of the State of Florida.

14. Contact Information

General Financial Group

Website: www.gfgagency.com

Email: support@gfgagency.com

15. Privacy Policy

Your privacy is important to us. Please review our full Privacy Policy at https://www.gfgobamacare.com/p-p to understand how we collect, use, and protect your data. We do not sell or share your SMS opt-in consent with third parties for their own marketing purposes.

16. Age Restriction (18+)

By using this Website and opting into our SMS program, you represent that you are at least 18 years of age. This Website and its services are not intended for individuals under the age of 18.