Terms of Service
Terms of Service
Simmor Inc. dba Simmor Financial Services
Effective Date: March 12, 2026
Welcome to the website and services provided by Simmor Inc. dba Simmor Financial Services ("Company," "we," "us," or "our"). By accessing our website, submitting information through our forms, or interacting with our advertising and communication channels, you agree to the following Terms of Service.
If you do not agree with these terms, please do not use our website or services.
Use of Website and Services
Simmor Financial Services provides information regarding life insurance, final expense insurance, and related financial protection products.
Information provided on this website is intended for general informational purposes only and does not constitute financial, legal, or tax advice.
Use of this website does not create an agent-client relationship until an insurance application has been submitted and accepted by an insurance carrier.
Eligibility
By using our website or submitting your information through any online form, you confirm that you are:
* At least 18 years of age
* Providing accurate and truthful information
* Requesting information regarding insurance products for yourself or someone you are authorized to represent
No Guarantee of Coverage
Submission of your information through this website or through advertising platforms does not guarantee eligibility for insurance coverage.
All insurance policies are subject to approval by the issuing insurance carrier, underwriting guidelines, and applicable state regulations.
Coverage availability, benefits, and premiums may vary based on individual circumstances.
Independent Agent Disclosure
Simmor Financial Services operates as an independent insurance agent or broker.
We may represent multiple insurance carriers and may recommend products from various providers based on suitability, availability, and underwriting requirements.
Simmor Financial Services is not an insurance company and does not underwrite insurance policies.
Communications and Consent to Contact
By submitting your contact information through our website, advertising forms, or other communication channels, you consent to being contacted by Simmor Financial Services or a licensed insurance professional affiliated with our organization.
Contact may occur via:
Phone calls
Text messages
Email Automated or prerecorded messaging where permitted by law
These communications are intended to respond to your request for insurance information or related services.
Message and data rates may apply depending on your mobile carrier.
You may request to stop receiving communications at any time by replying STOP to text messages or by contacting us directly.
SMS Program and Messaging Use
By providing your mobile phone number through our website, online forms, or advertisements, you agree to participate in the SMS communication program offered by Simmor Financial Services. This messaging program is designed to provide customer care and informational communications related to your inquiry about insurance products and services. Message use cases may include responding to requests for information submitted through our website or social media advertisements, providing insurance quote follow-ups, appointment scheduling or reminders, policy service communications, and answering customer questions. Message frequency may vary depending on your interaction with our services. Standard message and data rates may apply based on your mobile carrier’s plan. You may opt out of SMS communications at any time by replying STOP to any message received. For assistance, reply HELP or contact us directly at [email protected].
Third-Party Platforms
Our marketing and communications may occur through third-party platforms including but not limited to:
Email service providers
Customer relationship management (CRM) platforms
Simmor Financial Services is not responsible for the privacy practices or terms of service of these external platforms.
Accuracy of Information
Users are responsible for providing accurate and complete information when submitting forms or requesting insurance information.
Providing false or incomplete information may affect the ability to provide quotes or coverage options.
Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Simmor Financial Services unless otherwise stated.
Content may not be reproduced, distributed, or used without prior written permission.
Limitation of Liability
Simmor Financial Services makes reasonable efforts to ensure that information provided on this website is accurate and current.
However, we do not guarantee the completeness, accuracy, or reliability of information.
Simmor Financial Services shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on its content.
Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS communications is subject to effective transmission from your wireless service provider and may be impacted by factors outside the control of Simmor Financial Services, including network coverage, service availability, or technical issues with your mobile carrier. By participating in our SMS messaging program, you acknowledge and agree that wireless carriers such as AT&T, Verizon, T-Mobile, or other providers are not responsible for any delayed, failed, or undelivered messages associated with this service.
Modifications to These Terms
Simmor Financial Services reserves the right to modify or update these Terms of Service at any time.
Updates will be posted on this page with the revised effective date.
Continued use of the website constitutes acceptance of the updated terms.
Governing Law
These Terms of Service shall be governed by and interpreted in accordance with the laws of the state in which Simmor Financial Services operates.
Contact Information
If you have questions regarding these Terms of Service, please contact:
Simmor Financial Services
Email: [email protected]
Our Privacy Policy can be found at https://simmorinc.com/privacy-policy