TERMS & CONDITIONS AND PRIVACY POLICY

Welcome to S&L Financial Group. These Terms & Conditions govern your access to and use of our website, SLFGR.COM.

By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree with these terms, please discontinue use of the Website.

1. Website Information

The information provided on this Website is for general informational and educational purposes only. It is not intended to constitute legal, financial, tax, or individualized insurance advice.

Information regarding insurance products, coverage options, premiums, deductibles, limits, discounts, eligibility, and availability may vary based on individual circumstances, location, underwriting requirements, and the applicable insurance carrier.

Information provided on this Website does not modify, replace, or supersede the terms, conditions, exclusions, or limitations of any actual insurance policy.

2. Insurance Quotes and Coverage

Any quote, rate, premium estimate, or coverage information provided through this Website or by S&L Financial Group is for informational purposes unless expressly stated otherwise. A quote is not a guarantee that insurance coverage will be issued or that a particular premium will apply.

Final rates, eligibility, coverage, and policy terms are subject to the underwriting guidelines and approval of the applicable insurance carrier. Submitting an application, requesting a quote, making a payment, providing information, or communicating with an agent does not by itself guarantee coverage.

Coverage becomes effective only when confirmed by the applicable insurance carrier or otherwise established through a valid insurance binder or policy. If there is any difference between information provided on this Website and the applicable policy documents, the terms of the policy control.

3. Insurance Products

S&L Financial Group may provide information and insurance services relating to personal insurance products, which may include:

• Auto insurance

• Homeowners insurance

• Renters insurance

• Flood insurance

• Life insurance

• Health insurance (Obamacare)

• Medicare-related insurance products

• Other personal insurance products

Product availability varies based on location, eligibility, carrier availability, underwriting requirements, and applicable law.

4. Underwriting and Eligibility

Insurance companies independently determine eligibility, rates, coverage, and policy terms based on their underwriting guidelines and applicable laws and regulations.

Information provided on an insurance application must be complete and accurate. Incorrect or incomplete information may affect eligibility, premiums, coverage, or claims.

5. Data Security

S&L Financial Group takes reasonable and appropriate administrative, technical, and physical measures designed to protect personal information collected through the Website from unauthorized access, use, disclosure, alteration, or destruction.

We regularly review our security practices and take reasonable steps to maintain the security and integrity of our Website and systems. However, no website, electronic transmission, or data-storage system can be guaranteed to be completely secure against every possible security threat.

If we become aware of a security incident involving personal information, we will take appropriate action and provide any notices required by applicable law.

6. Website Accuracy

S&L Financial Group makes reasonable efforts to maintain accurate and current information on this Website. However, we do not guarantee that Website content is complete, accurate, current, or free from errors.

We reserve the right to modify, update, or remove Website content at any time without notice.

7. Personal Information and Electronic Communications

When you submit information through our Website, you authorize S&L Financial Group to use that information as reasonably necessary to respond to your inquiry, obtain insurance quotes, provide requested services, communicate with you, and conduct legitimate business activities, subject to applicable law and our Privacy Policy.

Please do not submit sensitive personal information through an unsecured Website form unless specifically requested through an appropriate secure process.

By providing your contact information, you may be contacted by S&L Financial Group regarding your inquiry, insurance quotes, policies, requested services, or related communications. Where required by law, appropriate consent will be obtained before certain marketing communications are sent by text message, email, or other electronic means. Message and data rates may apply. You may opt out of certain communications by following the instructions contained in the communication or by contacting our office.

8. Cookies

Our Website may use cookies, analytics tools, pixels, and similar technologies to improve Website functionality and performance, analyze Website traffic, remember preferences, and support marketing activities.

Some cookies may be necessary for the Website to operate properly. Other cookies may be optional and may require your consent depending on applicable law. You may be able to manage or disable certain cookies through your browser settings or available Website privacy controls.

9. Intellectual Property

Unless otherwise stated, all content appearing on this Website, including text, graphics, logos, images, designs, and other materials, is owned by or licensed to S&L Financial Group and is protected by applicable intellectual property laws.

You may view and use Website content for personal, non-commercial purposes. You may not reproduce, republish, distribute, modify, sell, license, or commercially exploit Website content without prior written permission from S&L Financial Group.

10. Third-Party Websites

Our Website may contain links to third-party websites, including insurance carriers, governmental agencies, service providers, and other resources.

These links are provided for convenience and informational purposes. S&L Financial Group does not control or guarantee the accuracy, security, availability, content, or privacy practices of third-party websites. Your use of third-party websites is subject to their respective terms and privacy policies.

11. Prohibited Use

You agree not to use this Website:

• For any unlawful purpose;

• To submit false, misleading, or fraudulent information;

• To interfere with the operation or security of the Website;

• To attempt unauthorized access to Website systems;

• To distribute malware, viruses, or other harmful material; or

• In any manner that violates applicable federal, state, or local law.

12. Disclaimer of Warranties

To the fullest extent permitted by applicable law, this Website and its content are provided on an “as is” and “as available” basis.

We do not guarantee that:

• The Website will always be available or uninterrupted;

• The Website will be free from errors, viruses, or other harmful components; or

• Any particular insurance product, coverage, rate, discount, carrier, or service will be available to you.

Nothing in these Terms & Conditions is intended to exclude or limit liability that cannot legally be excluded or limited.

13. Limitation of Liability

To the fullest extent permitted by applicable law, S&L Financial Group, its owners, employees, agents, representatives, affiliates, and service providers shall not be liable for losses or damages arising from your use of, or inability to use, this Website or your reliance upon information provided through the Website.

Nothing in these Terms & Conditions shall limit liability where such limitation is prohibited by applicable law.

14. Changes to These Terms

S&L Financial Group may update these Terms & Conditions from time to time. Changes become effective when posted on the Website unless otherwise stated.

Your continued use of the Website following the posting of changes constitutes acceptance of the revised Terms & Conditions.

15. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Florida, except to the extent that applicable federal law or other mandatory law provides otherwise.

PART II — PRIVACY POLICY

S&L Financial Group (“S&L Financial Group,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we may collect, use, and protect information when you visit SLFGR.COM or communicate with us through our Website.

1. Information We May Collect

Depending on how you interact with our Website, we may collect:

• Name

• Mailing or physical address

• Email address

• Telephone number

• Information submitted through quote or contact forms

• Information relating to your insurance needs

• Information voluntarily provided when communicating with our Agency

• Website usage and technical information

• Information collected through cookies and similar technologies

We seek to collect information reasonably necessary for the purposes described in this Privacy Policy.

2. How We Use Information

We may use information we collect to:

• Respond to inquiries and requests;

• Provide insurance quotes or information;

• Assist with insurance applications and services;

• Communicate with you regarding requested services;

• Maintain and manage customer relationships;

• Improve our Website and services;

• Analyze Website traffic and usage;

• Prevent fraud, misuse, or unauthorized activity; and

• Comply with applicable legal and regulatory requirements.

3. Sharing of Information

We may share information with insurance carriers, insurance-related service providers, technology providers, contractors, and other parties when reasonably necessary to provide requested insurance services or operate our business.

We may also disclose information when required or permitted by applicable law, regulation, legal process, or governmental authority.

We do not sell personal information for monetary consideration unless expressly disclosed and permitted by applicable law.

4. Insurance and Financial Information

Information submitted in connection with an insurance inquiry, application, policy, or transaction may be subject to additional privacy protections under applicable federal and Florida laws. Certain insurance-related information may also be subject to privacy requirements imposed by the applicable insurance carrier.

5. Children's Privacy

Our Website is not intended to knowingly collect personal information from children under the age of 13.

If you believe a child has provided personal information through our Website, please contact us so that we can take appropriate steps.

6. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any updated version will be posted on this Website with a revised effective date.

7. Contact Us

Questions regarding these Terms & Conditions or Privacy Policy may be directed to:

S&L Financial Group
6218 West Colonial Drive
Orlando, FL 32808
Phone: 407-420-7209
Website: SLFGR.COM