Terms of Service

Last updated: April 30, 2026

These Terms of Service (“Terms”) govern your use of valerisfinancialgroup.com (the “Site”) and any communications you have with Valeris Financial Group (“Valeris,” “we,” “us,” or “our”) through the Site, including by phone, email, or text message. By using the Site or contacting us, you agree to these Terms. If you do not agree, please do not use the Site.

1. About Valeris Financial Group

Valeris Financial Group is an independent insurance agency. We help individuals and families compare and apply for insurance products, annuities, and related solutions through licensed insurance carriers. We do not provide investment advisory services, tax advice, or legal advice.

2. Use of the Site

You agree to use the Site only for lawful purposes and in a manner consistent with these Terms. You agree not to:

3. No Insurance Coverage Bound by Use of Site

Submitting a contact form, requesting a quote, or otherwise communicating with us through the Site does not bind insurance coverage, create an agent-client relationship, or guarantee approval for any insurance product. Coverage is bound only when an application has been completed, accepted by the relevant carrier, premium has been paid as required, and the carrier has issued a policy.

4. Quotes and Illustrations

Any premium estimates, illustrations, or product information provided through the Site or in response to your inquiry are for informational purposes only and are subject to change. Final premiums and product features are determined by the issuing insurance carrier based on underwriting and the specific product selected. Product availability and features vary by state.

5. SMS / Text Messaging Terms (A2P 10DLC)

If you provide your mobile phone number and consent to receive text messages from Valeris Financial Group, the following terms apply:

Program description

The Valeris Financial Group SMS program sends informational, follow-up, and appointment-related text messages to consumers who have requested information or services from us.

Frequency

Message frequency varies based on your activity and our communications with you.

Cost

Message and data rates may apply, depending on your wireless carrier and plan. Valeris Financial Group does not charge a fee to receive SMS messages.

Opt-in

You opt in to SMS messaging by checking the SMS consent box on our contact form, by replying to a confirmation message we send, or by otherwise providing express consent. Consent to SMS is not a condition of purchasing any product or service.

Opt-out (STOP)

You can opt out at any time by replying STOP to any message we send. After replying STOP, you will receive a final confirmation message and we will not send you any additional SMS messages unless you opt back in. To opt back in, reply START or contact us.

Help (HELP)

For help with the SMS program, reply HELP to any message we send, or contact us at (407) 640-1103 or info@valerisfinancialgroup.com.

Carrier disclaimer

Wireless carriers (including AT&T, T-Mobile, Verizon, and others) are not liable for delayed or undelivered messages. Supported carriers and devices may change without notice.

Privacy

Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. See our Privacy Policy for full details.

6. Intellectual Property

The Site and its content, including text, graphics, logos, and the Valeris Financial Group name and brand, are the property of Valeris Financial Group or its licensors and are protected by U.S. and international intellectual property laws. You may not copy, modify, distribute, sell, or use any of this content without our prior written permission, except for personal, non-commercial use.

7. Third-Party Links and Services

The Site may contain links to third-party websites and services, including those of insurance carriers and form-handling vendors. We are not responsible for the content, accuracy, or practices of those third parties. Use of any third-party site is at your own risk and subject to their terms and privacy policies.

8. Disclaimers

The Site and all information provided through it are offered “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

Information on the Site is for general informational purposes only and does not constitute legal, tax, or investment advice. You should consult with qualified professionals before making decisions about insurance, taxes, or investments.

9. Limitation of Liability

To the fullest extent permitted by law, Valeris Financial Group, its owners, employees, agents, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Site or our services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to defend, indemnify, and hold harmless Valeris Financial Group from and against any claims, damages, losses, and expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the Site, or your violation of any rights of a third party.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Any dispute arising out of these Terms or your use of the Site will be resolved in the state or federal courts located in Florida, and you consent to the jurisdiction of those courts.

12. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date at the top of this page. Your continued use of the Site or our services after changes are posted constitutes your acceptance of the updated Terms.

13. Contact

Valeris Financial Group
Phone: (407) 640-1103
Email: info@valerisfinancialgroup.com