TERMS & CONDITIONS

1. Introduction

Welcome to Em Zee Financial! These Terms and Conditions govern your use of our website located at

https://lc.emzeefinancial.com/home-575801 operated by Em Zee Financial! .Your access and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service. Please read these Terms and Conditions carefully before using our Service.

2. Communications

By submitting your information through our website, you consent to receive communications from Em Zee Financial related to insurance services. These communications may include appointment confirmations, appointment reminders, follow-up messages, and informational messages requested by you.

Message frequency may vary. Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP, or request assistance by replying HELP. Opting out of SMS messages does not affect other forms of communication.

3. Contests, Sweepstakes, and Promotions

Any contests, sweepstakes or other promotions available through the Service may be governed by rules separate from these Terms and Conditions. If you participate in any Promotion, please review the applicable rules, as well as our Privacy Policy.

If the rules of a Promotion conflict with these Terms and Conditions, the Promotion rules will apply.

4. Intellectual Property

The Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Em Zee Financial! and its licensors.

5. Links to Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by Em Zee Financial! has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. We do not guarantee the offers of any of these entities/individuals or their websites.

6. Limitation of Liability

In no event shall Em Zee Financial! , nor its directors, employees, partners, agents, suppliers or affiliates be liable for any indirect, incidental, special, consequential or punitive damages, including, but not limited to, loss of profits, loss of data, use, goodwill or other intangible losses, resulting from:(a) your access or use of or inability to access or use the Service;(b) any conduct or content of any third party on the Service;(c) any content obtained from the Service;(d) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is determined to have failed of its essential purpose.

7. Disclaimer

Your use of the Service is at your own risk. The Service is provided "AS IS" and "AS AVAILABLE". The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course performance.

8. Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential damages or incidental damages, so the above limitations may not apply to you.

9. Do We Collect Information from Minors?

We do not knowingly solicit data from or market to children under 18 years of age

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Florida, USA, without regard to its conflict of law provisions.

11. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined in our sole discretion.

12. SMS Communications

Em Zee Enterprises, LLC provides insurance-related services and communicates with opted-in users via SMS for appointment confirmations, appointment reminders, follow-ups, and insurance-related informational messages requested by the user

You can cancel the SMS service at any time. Just text "STOP" to the (772) 678 9142. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [email protected]

Carriers are not liable for delayed or undelivered messages

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive [message frequency]. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy: https://lc.emzeefinancial.com/privacypolicy-463526

13. Contact Us

If you have any questions about these Terms, please contact us at [email protected]

Address:

673 NE 3rd Avenue, Apt 123

Contact

Phone: (772) 678-9142

© 2026 EM ZEE FINANCIAL. All rights reserved.