Terms of Service

SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends appointment confirmations, appointment reminders, consultation follow-up, customer support, and service-related messages to customers who have contacted or booked with Generations Crest through our website, scheduling tools, chat tools, or other approved communication channels, and who have explicitly opted in to receive SMS notifications.

2. Cancellation Instructions

You can cancel the SMS service at any time. Text STOP to the same number that sent you messages. We will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us unless you opt in again.

3. Support Information

If you experience issues with the messaging program, reply HELP for assistance, or contact us directly at [email protected] during business hours.

4. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

5. Message and Data Rates

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage, consultation requests, and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

7. Age Restriction

You must be 18 years or older to participate in our SMS program.

8. Privacy Policy

For privacy-related inquiries, please refer to our Privacy Policy at: https://generationscrest.com/privacy-policy

We comply with applicable laws and regulations, including the Telephone Consumer Protection Act and CTIA guidelines, regarding the use of SMS communications.

General Terms

This website is owned and operated by Generations Crest. By using this website, you agree to be bound by these Terms of Service, our Privacy Policy, and any additional terms that may apply to specific sections of the site or to our products and services.

We reserve the right to update these Terms of Service or impose new conditions from time to time. We will post revised terms on this website, and continued use of the site after changes are posted means you accept the updated terms.

Services

Generations Crest provides information and guidance related to life insurance services and fixed annuities. The information on this website is provided for general educational and informational purposes only and should not be considered legal, tax, investment, or financial advice.

Any insurance or annuity product discussed is subject to eligibility, product availability, underwriting, carrier approval, and the terms and conditions of the issuing company.

No Guarantee of Approval or Results

Generations Crest does not guarantee approval for any insurance or annuity product. We also do not guarantee any specific financial outcome, benefit amount, or product suitability without a proper review of your individual situation.

Consultations

Consultations are intended to help clients understand available options and determine whether a product or service may fit their needs. You are responsible for providing accurate information during any consultation or application process.

Intellectual Property

This site and all materials on it are the property of Generations Crest unless otherwise stated and are protected by copyright, trademark, and other intellectual property laws.

The site is provided for personal, non-commercial use. You may not modify, copy, reproduce, republish, sell, or distribute material from the site without written authorization, though you may print one copy of individual pages for personal, non-commercial use.

Disclaimers

The site may link to third-party websites. We do not endorse or take responsibility for their content, products, services, privacy practices, or terms.

Information, products, and services offered through the site are provided “as is” without warranties of any kind, except where required by law.

Registration

If any part of the site requires an account, you agree to provide accurate and current information and to keep your login credentials confidential. Notify us immediately at [email protected] if you suspect unauthorized use of your account.

Limitation of Liability

To the fullest extent permitted by law, Generations Crest is not liable for any indirect, incidental, or consequential damages arising from your use of this website or the information provided herein.

Termination

We reserve the right to terminate or suspend access to the site if we determine there has been a violation of these terms, misuse of the website, or unlawful conduct.

Governing Law

These Terms of Service are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes will be handled in accordance with applicable law.

Changes to Terms of Service

We may update these Terms of Service from time to time. The latest version will be available on our website with the effective date.

Contact Us

By using our website and services, you consent to these Terms of Service.