Effective Date: April 15, 2026
Last Updated: April 15, 2026
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IMPORTANT NOTICE: Please read these Terms of Service carefully
before using our website or services. By accessing our website
or submitting your information, you agree to be bound by these
Terms. If you do not agree, please do not use our website.
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1. ABOUT US
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Peterson Insurance & Financial Services, LLC ("Company," "we,"
"us," or "our") is a licensed insurance agency and financial
services firm operating in the State of Florida. We provide
insurance consulting, Medicare planning, life insurance, and
related financial services to individuals and businesses.
Website: cpetersonfinancial.com
Email: courtney@cpetersonfinancial.com
Phone: (850) 741-1015
Mailing Address: Pensacola, Florida
2. ACCEPTANCE OF TERMS
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By accessing or using our website, submitting any contact or
inquiry form, or communicating with us via phone, email, or
text message, you acknowledge that you have read, understood,
and agree to be bound by these Terms of Service and our Privacy
Policy, which is incorporated herein by reference.
If you are accessing our website or services on behalf of a
business or organization, you represent that you have the
authority to bind that entity to these Terms.
3. SERVICES DESCRIPTION
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Peterson Insurance & Financial Services, LLC provides the
following services:
- Medicare Advantage and Medicare Supplement plan consulting
- Life insurance planning and policy review
- Health insurance consulting
- Financial services and planning guidance
- Insurance policy comparison and enrollment assistance
- Ongoing client support and policy management
Our services are available to residents of Florida and other
states where we hold applicable licenses. Nothing on this
website constitutes a binding insurance quote, policy offer,
or financial advice unless explicitly confirmed in writing
by a licensed representative of our company.
4. LICENSING AND REGULATORY COMPLIANCE
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Peterson Insurance & Financial Services, LLC operates under
applicable federal and state insurance regulations. Our
licensed agents hold the necessary credentials required by
the State of Florida Department of Financial Services.
We are licensed to sell Medicare products in accordance with
the Centers for Medicare & Medicaid Services (CMS) guidelines.
All Medicare-related communications comply with applicable
CMS marketing regulations.
Nothing on this website should be construed as tax, legal,
or investment advice. Always consult a qualified professional
for advice specific to your situation.
5. SMS AND TEXT MESSAGE COMMUNICATIONS
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By providing your mobile phone number and providing your
consent on any of our forms or verbally during a consultation,
you agree to receive text messages from Peterson Insurance &
Financial Services, LLC. The following terms govern all SMS
communications:
5.1 TYPES OF MESSAGES
We may send the following types of text messages:
Transactional Messages: Appointment reminders, follow-up
communications regarding your inquiry, policy notifications,
document requests, and responses to your questions.
Promotional Messages: Service announcements, Medicare
enrollment period reminders, insurance product information,
and other marketing communications (only if you have
separately opted in to marketing messages).
5.2 MESSAGE FREQUENCY
Message frequency varies based on your interactions with us
and the nature of your inquiry. You may receive multiple
messages per week during active service periods.
5.3 MESSAGE AND DATA RATES
Message and data rates may apply. Charges are determined by
your mobile carrier and plan. Peterson Insurance & Financial
Services, LLC is not responsible for any charges imposed
by your mobile carrier.
5.4 HOW TO OPT OUT
You may opt out of SMS communications at any time by:
- Replying STOP to any text message you receive from us
- Contacting us directly at courtney@cpetersonfinancial.com
- Calling us at (850) 741-1015
After opting out, you will receive one final confirmation
message. No further messages will be sent following your
opt-out request. Please allow up to 24 hours for your
request to be processed.
5.5 HOW TO GET HELP
Reply HELP to any message for assistance, or contact us
directly at courtney@cpetersonfinancial.com or
(850) 741-1015.
5.6 CONSENT IS NOT REQUIRED
Consent to receive SMS or marketing messages is not a
condition of purchasing any insurance product or financial
service from us. You may receive our services without
consenting to receive text messages.
5.7 THIRD-PARTY SHARING
Your mobile phone number and SMS consent information will
not be sold or shared with third parties for their own
marketing or solicitation purposes. Your information may
be shared with SMS platform service providers solely for
the purpose of delivering messages on our behalf, in
accordance with our Privacy Policy.
6. WEBSITE USE AND CONDUCT
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You agree to use our website only for lawful purposes and
in a manner that does not infringe the rights of others.
You agree not to:
- Provide false, inaccurate, or misleading information
- Impersonate any person or entity
- Attempt to gain unauthorized access to our systems
- Transmit any harmful, offensive, or disruptive content
- Use our website for any commercial solicitation without
our prior written consent
- Interfere with the proper operation of our website
- Scrape, copy, or reproduce website content without
written permission
7. ACCURACY OF INFORMATION
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We make reasonable efforts to ensure that information on
our website is accurate and current. However, insurance
products, rates, coverage details, and regulatory requirements
change frequently. We do not warrant that any information
on this website is complete, accurate, or current at the
time you access it.
All insurance product information is subject to the actual
terms and conditions of the applicable policy. In the event
of any conflict between information on our website and the
terms of an actual insurance policy, the policy terms govern.
8. INTELLECTUAL PROPERTY
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All content on this website, including but not limited to
text, graphics, logos, images, audio clips, and software,
is the property of Peterson Insurance & Financial Services,
LLC or its content suppliers and is protected by applicable
United States and international copyright, trademark, and
other intellectual property laws.
You may not reproduce, distribute, modify, transmit, repost,
or otherwise use any content from this website for public or
commercial purposes without our prior written consent.
9. THIRD-PARTY LINKS AND SERVICES
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Our website may contain links to third-party websites,
including insurance carrier websites, government resources
such as Medicare.gov, and other external services. These
links are provided for your convenience only. We do not
control these websites and are not responsible for their
content, privacy practices, or terms of service.
The inclusion of any link does not imply endorsement of
the linked website. You access third-party websites at
your own risk.
10. DISCLAIMER OF WARRANTIES
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OUR WEBSITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND
"AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND,
EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT:
- Our website will be uninterrupted or error-free
- Defects will be corrected
- Our website or the server that makes it available
are free of viruses or other harmful components
- The results of using our services will meet your
specific requirements or expectations
Some jurisdictions do not allow the exclusion of implied
warranties, so the above exclusion may not apply to you.
11. LIMITATION OF LIABILITY
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TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW,
PETERSON INSURANCE & FINANCIAL SERVICES, LLC, ITS OFFICERS,
DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE
LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL,
EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO:
- Your use of or inability to use our website or services
- Any errors or omissions in website content
- Unauthorized access to or alteration of your data
- Any other matter relating to our website or services
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS
EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS
PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED
DOLLARS ($100.00), WHICHEVER IS GREATER.
Some jurisdictions do not allow the limitation of liability
for personal injury or incidental or consequential damages,
so this limitation may not apply to you.
12. INDEMNIFICATION
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You agree to indemnify, defend, and hold harmless Peterson
Insurance & Financial Services, LLC and its officers,
directors, employees, agents, and successors from and
against any claims, liabilities, damages, losses, costs,
and expenses (including reasonable attorneys' fees) arising
out of or relating to:
- Your use of our website or services
- Your violation of these Terms
- Your violation of any rights of a third party
- Any information you submit through our website
13. PRIVACY
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Your use of our website and services is also governed by
our Privacy Policy, available at cpetersonfinancial.com/
privacy-policy. Our Privacy Policy is incorporated into
these Terms by reference. By using our website, you consent
to the data practices described in our Privacy Policy.
14. GOVERNING LAW AND DISPUTE RESOLUTION
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These Terms shall be governed by and construed in accordance
with the laws of the State of Florida, without regard to
its conflict of law provisions.
Any dispute arising from or relating to these Terms or
your use of our website shall first be attempted to be
resolved through good faith negotiation between the parties.
If negotiation fails, disputes shall be subject to the
exclusive jurisdiction of the state and federal courts
located in Escambia County, Florida.
You waive any objection to the laying of venue of any
such proceeding in Escambia County, Florida, and waive
any objection that such courts are an inconvenient forum.
15. CHANGES TO THESE TERMS
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We reserve the right to update, modify, or replace these
Terms at any time at our sole discretion. Changes become
effective upon posting to our website. We will update the
"Last Updated" date at the top of this page when changes
are made.
Your continued use of our website or services following
the posting of any changes constitutes your acceptance
of the revised Terms. We encourage you to review these
Terms periodically.
16. SEVERABILITY
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If any provision of these Terms is found to be unenforceable
or invalid under applicable law, that provision shall be
modified to the minimum extent necessary to make it
enforceable, and the remaining provisions shall continue
in full force and effect.
17. ENTIRE AGREEMENT
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These Terms, together with our Privacy Policy, constitute
the entire agreement between you and Peterson Insurance &
Financial Services, LLC regarding your use of our website
and services, and supersede all prior agreements,
representations, and understandings.
18. CONTACT US
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If you have any questions, concerns, or requests regarding
these Terms of Service, please contact us:
Peterson Insurance & Financial Services, LLC
Pensacola, Florida
Website: cpetersonfinancial.com
Email: courtney@cpetersonfinancial.com
Phone: (850) 741-1015
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END OF TERMS OF SERVICE
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