Terms and Conditions

Absolutely. Here is the complete combined website legal package for S&L Financial Group, with the stronger Data Security section included. I’ve kept it focused on personal insurance and excluded commercial insurance.

Because this is a legal/regulatory document, I recommend a Florida attorney review it before you publish it.

S&L Financial Group

Website Terms & Conditions, Insurance Disclaimer & Privacy Policy

Effective Date: September 1, 2026

S&L Financial Group

6218 West Colonial Drive

Orlando, FL 32808

Phone: 407-420-7209

Website: SLFGR.COM

PART I — TERMS & CONDITIONS

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

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, 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.

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.

S&L Financial Group does not offer commercial insurance through this Website unless specifically stated otherwise.

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. Providing incorrect or incomplete information may affect eligibility, premiums, coverage, or claims.

5. No Guarantee of Coverage

Requesting an insurance quote, submitting information, communicating with an S&L Financial Group representative, or receiving a proposed premium does not guarantee that coverage will be issued.

Actual coverage is determined by the terms, conditions, exclusions, limitations, endorsements, and other provisions of the applicable insurance policy.

Please carefully review all policy documents and contact S&L Financial Group or your insurance carrier if you have questions about your coverage.

6. Data Security

At S&L Financial Group, protecting your personal information is a priority. We are committed to maintaining appropriate administrative, technical, and physical safeguards designed to protect the personal information entrusted to us.

S&L Financial Group guarantees that we will take reasonable and appropriate measures to protect personal information collected through our Website against 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.

While we are committed to protecting your information, 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 your personal information, we will take appropriate action and provide any notices required by applicable law.

7. 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.

8. Personal Information

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.

For your protection, please do not submit sensitive personal information through an unsecured Website form unless specifically requested through an appropriate secure process.

9. Electronic Communications

By providing your contact information through our Website, 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 to text messages depending on your mobile service provider.

You may opt out of certain communications by following the instructions contained in the communication or by contacting our office.

10. Cookies

Our Website may use cookies and similar technologies to improve Website functionality, 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.

11. 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.

12. 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, or privacy practices of third-party websites.

Your use of third-party websites is subject to their respective terms and privacy policies.

S&L Financial Group makes no representation or warranty regarding the accuracy, completeness, reliability, availability, or timeliness of information contained on third parties website

13. 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.

14. 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;

Website information will always be current;

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

Any particular insurance product, coverage, rate, discount, 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.

15. 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.

16. 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.

17. 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.

18. Contact Information

S&L Financial Group

6218 West Colonial Drive

Orlando, FL 32808

Phone: 407-420-7209

Website: SLFGR.COM

PART II — INSURANCE WEBSITE DISCLAIMER

The information contained on the S&L Financial Group website, SLFGR.COM, is provided for general informational and educational purposes only.

Information on this Website should not be considered a guarantee of insurance coverage, a binding insurance offer, or individualized insurance advice.

Insurance coverage, premiums, deductibles, limits, exclusions, eligibility, and policy terms vary based on individual circumstances and are subject to the underwriting guidelines and approval of the applicable insurance carrier.

Any quote or premium estimate provided by S&L Financial Group is subject to change and does not guarantee that coverage will be issued at the quoted price.

Coverage is not bound or effective solely because you submit an online form, request a quote, communicate with an agent, or provide payment information. Coverage becomes effective only when confirmed by the applicable insurance carrier or otherwise established through a valid binder or insurance policy.

Please review your insurance policy and related documents carefully. If there is any difference between information provided on this Website and your actual policy documents, the terms of the applicable insurance policy control.

S&L Financial Group does not guarantee that every insurance product, carrier, coverage option, rate, discount, or service described on this Website is available to every person or in every location.

For questions regarding your specific insurance coverage, please contact S&L Financial Group at 407-420-7209 or contact your insurance carrier directly.

S&L Financial Group

6218 West Colonial Drive

Orlando, FL 32808

Phone: 407-420-7209

Website: SLFGR.COM

PART III — 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 information such as:

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.

S&L Financial Group takes reasonable steps to protect personal information in its possession and maintains safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction.

5. Cookies and Analytics

Our Website may use cookies, analytics tools, pixels, and similar technologies to understand Website usage, improve performance, remember preferences, and support marketing efforts.

You may be able to control certain cookies through your browser settings or available Website privacy controls.

6. Data Security

At S&L Financial Group, protecting your personal information is a priority.

We guarantee that we will take reasonable and appropriate administrative, technical, and physical measures designed to protect personal information collected through our Website.

We regularly review our security practices and take reasonable steps to maintain the security and integrity of our Website and systems.

While we are committed to protecting your information, 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 your personal information, we will take appropriate action and provide any notices required by applicable law.

7. Third-Party Websites

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

S&L Financial Group is not responsible for the privacy practices, security, content, or policies of third-party websites.

We encourage you to review the privacy policy of any third-party website you visit.

8. 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.

9. 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.

10. Contact Us

Questions regarding this Privacy Policy may be directed to:

S&L Financial Group

6218 West Colonial Drive

Orlando, FL 32808

Phone: 407-420-7209

Website: SLFGR.COM

IMPORTANT INSURANCE NOTICE

Insurance coverage is subject to the terms, conditions, exclusions, limitations, and underwriting requirements of the applicable insurance policy and insurance carrier.

A quote is not a contract or guarantee of coverage. Coverage is effective only when properly bound or issued by the applicable insurance carrier.

If you have questions regarding your coverage, policy, premium, claim, or eligibility, please contact S&L Financial Group at 407-420-7209 or your insurance carrier.

S&L Financial Group

6218 West Colonial Drive, Orlando, FL 32808

407-420-7209 | SLFGR.COM

One thing I would change before you publish: I intentionally used “guarantee that we will take reasonable and appropriate measures” rather than guaranteeing that your website can never be breached. That protects the customer-facing promise you wanted without making an absolute cybersecurity guarantee that could expose the agency to unnecessary liability.