Terms of Service

Effective date: May 27, 2026

These Terms of Service ("Terms") govern your access to and use of caidenrojasbroker.com (the "Site") and any related services provided by Caiden Rojas ("we," "us," or "our"). By accessing the Site, submitting any forms, or providing your information through this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not use this Site or submit your information.

1. About Caiden Rojas

Caiden Rojas is a licensed life insurance professional providing consultations and information about life insurance products to individuals and families. Caiden Rojas is not an insurance carrier and does not directly issue insurance policies. Insurance products are issued by licensed insurance carriers, and coverage is subject to carrier approval, underwriting, applicable state laws, and policy terms.

2. Eligibility

This Site and the services offered through it are intended for use only by individuals who are at least 18 years of age and who are residents of the United States. By using this Site or submitting your information, you represent and warrant that you are at least 18 years old and that you have the legal capacity to enter into these Terms.

3. Use of the Site

You agree to use this Site only for lawful purposes and in accordance with these Terms. You specifically agree NOT to:

• Use the Site in any way that could damage, disable, overburden, or impair its functionality
• Interfere with any other party's use of the Site
• Attempt to gain unauthorized access to any portion of the Site, accounts, computer systems, or networks
• Use any automated means (bots, scrapers, etc.) to access or collect information from the Site
• Submit false, misleading, or fraudulent information through any form
• Use the Site to transmit spam, malware, or other harmful content
• Impersonate any person or misrepresent your affiliation with any person or entity

4. Accuracy of Information You Provide

You agree to provide accurate, current, and complete information when submitting any form or request through this Site. You are responsible for keeping the information you have provided to us current and accurate. Providing false or misleading information may result in inaccurate quotes, declined coverage, or other consequences.

5. SMS Program — General Terms

By submitting your contact information and explicitly opting in via a consent checkbox or chat widget interaction, you agree that you may receive SMS messages from Caiden Rojas at the phone number you have provided. By opting in, you specifically acknowledge and agree:

• You consent to receive recurring automated marketing and/or transactional text messages at the phone number provided
• Consent is not a condition of purchase or service
• Message frequency varies
• Message and data rates may apply
• You can opt out at any time by replying STOP
• For help, reply HELP or contact [email protected]
• Carriers are not liable for delayed or undelivered messages

6. Description of SMS Use Cases

Caiden Rojas may send the following types of text messages to users who have opted in:

• Appointment Confirmations: Confirmation of scheduled consultations
• Appointment Reminders: Notifications about upcoming scheduled meetings, consultations, or calls
• Follow-up Communications: Direct responses to your consultation request or inquiry
• Customer Care: Support communications and answers to your questions about life insurance
• Educational Resources: Life insurance information you have requested (marketing consent required)
• Service Announcements: Important updates regarding your inquiry or our services (marketing consent required)
• Account Notifications: Updates regarding your inquiry status or application progress

The specific types of messages you receive depend on which consent option you have selected at opt-in.

7. Message Frequency

Message frequency varies based on your interactions with us, the nature and timing of your requests, scheduled appointments, and ongoing communications related to your inquiry. Typical frequency ranges from a few messages per inquiry to ongoing communications related to scheduled appointments and follow-ups.

8. Opt-Out Instructions

You may opt out of receiving SMS messages from Caiden Rojas at any time by replying STOP to any message you receive from 480-772-2581. After you send STOP, we will send one confirmation message and you will not receive further SMS messages unless you opt in again through our opt-in process. For help with our SMS program, reply HELP to any message or contact us at [email protected].

9. Message and Data Rates

Message and data rates may apply to any SMS messages sent or received, depending on your mobile carrier and your plan. You are solely responsible for any charges related to SMS messages, including messaging and data charges imposed by your mobile carrier.

10. Mobile Information Sharing

For complete details on how your information is handled, please review our Privacy Policy.

11. Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and is outside the control of Caiden Rojas.

12. Insurance-Specific Disclaimers

Insurance products are subject to the terms, conditions, exclusions, and limitations of the issuing insurance carrier's policy. Quotes, premium estimates, or coverage availability discussed during a consultation or via SMS, email, or phone are preliminary and non-binding. Final premiums and coverage are determined by the issuing carrier based on underwriting, application accuracy, and applicable laws.

Caiden Rojas receives compensation from insurance carriers in the form of commissions when policies are issued. We will explain our compensation structure in detail upon request.

Past performance or general examples discussed are not guarantees of future results, premiums, or eligibility for any individual.

13. Intellectual Property

All content on this Site — including text, graphics, logos, images, and the design of the Site itself — is the property of Caiden Rojas or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any Site content without our prior written permission.

14. Third-Party Links and Services

The Site may contain links to third-party websites or reference third-party services. We are not responsible for the content, accuracy, or privacy practices of any third-party sites or services. Inclusion of any link does not constitute an endorsement.

15. Disclaimer of Warranties

THIS SITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CAIDEN ROJAS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT INFORMATION ON THE SITE WILL BE ACCURATE, COMPLETE, OR CURRENT AT ALL TIMES.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CAIDEN ROJAS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES — RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE, INCLUDING ANY RELIANCE ON INFORMATION OBTAINED FROM THE SITE.

IN NO EVENT WILL OUR TOTAL LIABILITY EXCEED THE GREATER OF ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU HAVE PAID US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

17. Indemnification

You agree to defend, indemnify, and hold harmless Caiden Rojas and any agents, contractors, or representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site, (b) your violation of these Terms, (c) your violation of any rights of a third party, or (d) any false or misleading information you have submitted.

18. Governing Law

These Terms and any disputes arising from them are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. You agree that any legal action or proceeding arising out of these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Arizona, and you consent to the jurisdiction of those courts.

19. Dispute Resolution

Before pursuing any formal legal action, you agree to first contact us at [email protected] to attempt to resolve the dispute informally. If the dispute cannot be resolved through informal discussions, the parties may pursue resolution through:

• Small claims court (for qualifying disputes)
• Mediation through a mutually agreed-upon mediator
• Litigation in the courts described in Section 18

20. Privacy Policy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using this Site, you acknowledge that you have read and understand our Privacy Policy and agree to its terms.

21. Termination

We reserve the right to suspend or terminate your access to the Site at any time, with or without notice, for any reason — including violation of these Terms. Upon termination, your right to use the Site immediately ceases.

22. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely matches the intent of the original.

23. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Caiden Rojas regarding the use of this Site and supersede all prior agreements and understandings, whether written or oral, related to this subject.

24. Changes to These Terms

Caiden Rojas may modify, update, or replace these Terms of Service at any time, in our sole discretion. Any changes will be effective immediately upon posting the updated Terms on this page, unless otherwise stated. Your continued use of the Site after any changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

25. Contact Information

If you have questions about these Terms of Service, our SMS program, or how your information is used, please contact us: