TERMS OF SERVICE

Black Bull Financial
Effective Date: 01/01/2026

1. Company Disclosure

Black Bull Financial (“Company,” “we,” “us,” or “our”) is a licensed insurance brokerage operating in the State of Florida.

We are not an insurance carrier. Insurance policies are issued by third-party insurance companies. All underwriting decisions, policy approvals, and coverage terms are determined solely by the issuing carrier.

2. Eligibility (18+ Requirement)

You must be at least 18 years of age to use this website or request insurance information.

By submitting your information, you represent that you are 18 years of age or older.

3. Nature of Services

We provide information and assistance regarding life insurance products, including:

Mortgage protection insurance
Final expense insurance

Submitting your information does not guarantee:

Policy approval
Specific premium rates
Eligibility for coverage

All applications are subject to carrier underwriting guidelines.

We do not provide legal, tax, or financial advisory services.

4. SMS Communications & Use Cases

Description of SMS Use

By submitting your phone number through our website, landing pages, or advertising forms, you consent to receive SMS text messages from Black Bull Financial.

These messages may include:

Follow-up regarding your request for a free insurance quote
Appointment scheduling
Quote-related updates
Requests for additional information needed for underwriting
Customer service communications

Message frequency may vary depending on your interaction with our services.

5. Message & Data Rates

Message and data rates may apply based on your mobile carrier plan.

You are responsible for any charges incurred from receiving SMS messages.

6. Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP – to unsubscribe
HELP – for assistance

After you send STOP, you will receive confirmation of your opt-out status and will no longer receive SMS messages from us unless you re-enroll.

Consent to receive SMS messages is not a condition of purchasing insurance.

7. Customer Support Contact

If you have questions about these Terms or our communications, you may contact us at:

trevor@bbfinancialpartners.com

We will respond within a reasonable timeframe.

8. Carrier Liability Disclaimer

Mobile carriers and telecommunications providers are not liable for delayed or undelivered messages.

Carriers are not responsible for the content of SMS communications sent by Black Bull Financial.

9. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting insurance quotes or services.

Providing false or misleading information may result in:

Denial of coverage
Policy cancellation by the carrier
Inaccurate quote estimates

10. Limitation of Liability

To the fullest extent permitted by law, Black Bull Financial shall not be liable for:

Carrier underwriting decisions
Denial of coverage
Changes in premium rates
Indirect or consequential damages

Insurance coverage is subject to carrier approval and policy terms.

11. Privacy

Your use of our website and services is also governed by our Privacy Policy.

Please review our Privacy Policy for details regarding how we collect and use personal information.

12. Governing Law

These Terms are governed by the laws of the State of Florida.

13. Modifications

We reserve the right to update these Terms at any time.

Continued use of our website or services constitutes acceptance of any changes.