Terms Of Service
Please read these Terms of Service (the “Terms”) and ourPrivacy Policy carefully because they govern your use of the website located at www.nwfinancial.org and all related web pages, as well as NW Financial’s insurance-related advisory, educational, and brokerage services.
1. Agreement to Terms
By using or submitting any information through our Services, you agree to be bound by these Terms, including our Privacy Policy. If you do not agree, do not use or submit information through the Services.
You also agree that NW Financial may (1) call and text you regarding our Services, and (2) monitor and record telephone calls for business, quality assurance, and regulatory compliance purposes.
2. Privacy Policy
Please review our Privacy Policy, which is incorporated herein and governs your use of the Services.
3. Description of Services
NW Financial is a licensed insurance agency that provides Medicare-related advisory, educational, and brokerage services through licensed insurance agents.
NW Financial is not an insurance company. Insurance products are offered and administered by licensed insurance carriers. We do not guarantee the availability, pricing, or suitability of any insurance product.
Do not cancel existing insurance until you receive written confirmation that your new policy is in effect.
4. Communications from NW Financial
SMS-specific section – required by MNO reviewers
By providing NW Financial with a telephone number and/or other contact information, you agree to receive communications, including via email, call, and text message (including text messages and calls made using an auto dialer or prerecorded voice message), from or on behalf of NW Financial at the email address or telephone number you provided, even if that number is on a National or State Do Not Call List.
By checking the marketing opt-in checkbox on our form, you expressly consent to receive recurring automated marketing and promotional text messages from NW Financial at the phone number you provide. These messages may include information about insurance services, licensed agent consultations, and follow-up communications related to your inquiry.
You are not required to provide your consent to these calls or texts as a condition of any purchase through NW Financial or as a condition of using the Services, and you may revoke any consent for marketing messages, phone calls, or text messages as described below. Message frequency varies. Message and data rates may apply.
You may revoke your consent to receive text messages at any time by texting “STOP” in reply to any NW Financial mobile communication. You may request help at any time by replying “HELP”, by emailing jalon@nwfinancial.org, or by calling us at 614-440-6985.
NW Financial may, without further notice and in our discretion, monitor and/or record telephone conversations for quality assurance, training, and rights-protection purposes.
5. Compliance with Law
Nothing in these Terms is intended to conflict with or limit NW Financial’s obligations under applicable federal and state laws.
6. Changes to These Terms or the Services
We may update these Terms from time to time at our sole discretion. If you continue to use the Services after updates are posted, you accept the updated Terms.
7. Who May Use the Services
You may use the Services only if you are 18 years or older and capable of forming a binding contract.
8. Submitted Information
Our Services may allow you to submit or store information including your name, telephone number, email address, and insurance preferences. You are responsible for ensuring your submitted information is complete and accurate.
9. General Prohibitions
You agree not to submit fraudulent or misleading information, interfere with the Services, violate applicable law, or misuse the Services in any way.
10. Links to Third-Party Websites or Resources
The Services may provide access to third-party websites or resources. We are not responsible for their content, products, or services.
11. Termination
We may suspend or terminate access to the Services at our sole discretion, at any time, and without notice.
12. Warranty Disclaimers
The Services are provided “as is,” without warranty of any kind, to the maximum extent permitted by law.
13. Indemnity
You will indemnify and hold NW Financial harmless from claims, liabilities, damages, and costs arising from your use of the Services or violation of these Terms.
14. Limitation of Liability
To the maximum extent permitted by law, NW Financial will not be liable for indirect, incidental, consequential, or special damages arising out of your use of the Services.
15. Governing Law
These Terms are governed by the laws of the state in which NW Financial is incorporated, without regard to conflict of law provisions.
16. Dispute Resolution
Any dispute will be resolved solely by binding individual arbitration and not in a class, representative, or consolidated action.
17. General Terms
NW Financial and its licensors exclusively own all rights, title, and interest in and to the Services and associated intellectual property rights.
18. Contact Information
If you have questions about these Terms or the Services, contact us at:
NW Financial
Email: jalon@nwfinancial.org
Phone: 614-440-6985
Website: www.nwfinancial.org
NW Financial is not connected with or endorsed by the United States government or the federal Medicare program. We may not offer every plan available in your area. Contact Medicare.gov or 1-800-MEDICARE to learn about all available options.
