Insurance Terms of Use

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Terms of Use

Effective Date: 2026

1. Acceptance of Terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use this website.

2. Services Provided

This website is owned and operated by Barreras Financial Solutions, an independent insurance broker. The purpose of this website is to provide information about life insurance products and to allow users to request quotes and connect with an insurance broker.

We do not directly sell insurance policies through this website. All life insurance products are offered through licensed insurance carriers.

3. No Guarantee of Coverage

Submitting information through this website does not guarantee approval or coverage. All applications are subject to underwriting and approval by the insurance carrier.

4. Professional Relationship

Using this website or submitting a quote request does not create a broker-client or fiduciary relationship until formally established through a separate agreement or insurance application process.

5. Communication Consent

By submitting your information through this website, you consent to be contacted by Barreras Financial Solutions or affiliated insurance partners via phone, email, or text message regarding insurance products and services. Message and data rates may apply.

6. Accuracy of Information

You agree that all information you provide is accurate and truthful to the best of your knowledge. Providing false or misleading information may impact your ability to obtain life insurance coverage.

7. Third-Party Carriers

This website works with multiple insurance carriers. We are not responsible for the terms, policies, or decisions made by third-party insurance companies.

8. Limitation of Liability

Barreras Financial Solutions shall not be held liable for any damages resulting from the use of this website or reliance on the information provided. All insurance decisions are subject to carrier approval.

9. Intellectual Property

All content on this website, including text, graphics, and branding, is owned by Justin Barreras and may not be copied or reused without permission.

10. Changes to Terms

We reserve the right to update or modify these Terms of Use at any time without prior notice. Continued use of the website means you accept any changes.

11. Contact Information

If you have any questions about these Terms, you may contact:

Justin Barreras, CEO at Barreras Financial Solutions

Email: Barrerasprotects@gmail.com

Phone: (614) 526-4512

Privacy Policy

Effective Date: 2026

1. Introduction

This Privacy Policy explains how Barreras Financial Solutions, your trusted insurance broker, collects, uses, and protects your personal information when you use this website, submit a form, or communicate with us by phone, text message, or email.

By using this website or submitting your information, you agree to this Privacy Policy and our terms of use.

2. Information We Collect

We may collect personal information that you voluntarily provide, including:

- Full name

- Phone number

- Email address

- Date of birth

- State of residence

- Health or lifestyle information (if provided for life insurance quotes)

- Any other information submitted through forms, phone calls, text messages, or email

We collect this information when you:

- Complete a quote request form

- Contact us directly

- Request insurance information or services

3. How We Use Your Information

Your information is used to:

- Provide insurance quotes and information

- Contact you regarding your request

- Match you with appropriate insurance options

- Follow up on your inquiry

- Improve our services and customer experience

4. SMS (Text Messaging) and Phone Consent

By submitting your information, you consent to receive communications from Barreras Financial Solutions, including:

- Phone calls (including automated or prerecorded where permitted by law)

- Text messages (SMS/MMS)

- Voicemail messages

These communications may include insurance quotes, follow-ups, and service-related or marketing messages.

Message and data rates may apply.

You may opt out at any time by replying STOP to text messages. For help, reply HELP or contact us directly.

5. Email Consent

By providing your email address, you consent to receive emails related to:

- Insurance quotes and services

- Follow-ups regarding your request

- Educational or promotional content

You may unsubscribe at any time using the unsubscribe link in emails or by contacting us.

6. Information Sharing

We do not sell your personal information.

We may share your information only as necessary with:

- Licensed insurance carriers

- Underwriting partners

- Service providers assisting with insurance requests

These parties may only use your information for insurance-related purposes.

7. Data Security

We take reasonable steps to protect your personal information. However, no method of transmission over the internet or electronic storage is completely secure.

8. Third-Party Services

This website may use third-party tools or links. We are not responsible for the privacy practices of external websites or services.

9. Anti-Money Laundering (AML)

We strive to monitor, detect, and prevent transactions that may involve fraud, money laundering, terrorist financing, or other illegal activity, and to report applicable situations as may be required by law.

We reserve the right to deny service to anyone where we have a reasonable suspicion of violations of any applicable law or regulation.

10. Your Rights

Depending on your state, you may have rights to:

- Access your personal information

- Request corrections or updates

- Request deletion of your information (where applicable)

- Opt out of communications

To exercise these rights, contact us using the information below.

11. Age Privacy

This website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors.

12. Updates to This Policy

We may update this Privacy Policy at any time. Updates will be posted on this page with a revised effective date.

13. Contact Information

If you have questions about this Privacy Policy, please contact:

Justin Barreras, CEO at Barreras Financial Solutions

Email: Barrerasprotects@gmail.com

Phone: (614) 526-4512