Links to Third Party Sites

Robert G Haggan's website may contain links to other Websites ("Linked Sites"). The Linked Sites are not under the control of Robert G Haggan and Robert G Haggan is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site.

Robert G Haggan is not responsible for webcasting or any other form of transmission received from any Linked Site. Robert G Haggan is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Robert G Haggan of the site or any association with its operators.

No Unlawful or Prohibited Use

As a condition of your use of Robert G Haggan's website, you warrant to Robert G Haggan that you will not use Robert G Haggan's website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Robert G Haggan's website in any manner which could damage, disable, overburden, or impair Robert G Haggan's website or interfere with any other party's use and enjoyment of Robert G Haggan's website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Robert G Haggan's website.

Use of Communication Services

Robert G Haggan's website may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.

Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.

Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.

Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

Restrict or inhibit any other user from using and enjoying the Communication Services.

Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.

Harvest or otherwise collect information about others, including e-mail addresses, without their consent.

Violate any applicable laws or regulations.

Robert G Haggan has no obligation to monitor the Communication Services. However, Robert G Haggan reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Robert G Haggan reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

Liability Disclaimer

The information, software, products, and services included in or available through Robert G Haggan's website may include inaccuracies or typographical errors. Changes are periodically added to the information herein. This practice and/or its suppliers may make improvements and/or changes in Robert G Haggan's website at any time. Advice received via this practice website should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation.

Robert G Haggan and/or its suppliers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services, and related graphics contained on Robert G Haggan's website for any purpose. To the maximum extent permitted by applicable law, all such information, software, products, services, and related graphics are provided "as is" without warranty or condition of any kind. This practice and/or its suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services, and related graphics, including all implied warranties or conditions of merchantability, fitness for a particular purpose, title, and non-infringement.

To the maximum extent permitted by applicable law, in no event shall Robert G Haggan and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of Robert G Haggan's website, with the delay or inability to use Robert G Haggan's website or related services, the provision of or failure to provide services, or for any information, software, products, services, and related graphics obtained through Robert G Haggan's website, or otherwise arising out of the use of Robert G Haggan's website, whether based on contract, tort, negligence, strict liability or otherwise, even if Robert G Haggan or any of its suppliers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of Robert G Haggan's website, or with any of these terms of use, your sole and exclusive remedy is to discontinue using Robert G Haggan's website.

Copyright and Trademark Notices

All contents of this website are Copyright © 2026 Robert G Haggan. All Rights Reserved. All logos are trademarks and service marks of Robert G Haggan. All other trademarks, service marks and logos used in this website are the property of their respective owners.

Trademarks

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

Business Identity Clause

is a life insurance services provider that helps individuals and families understand, compare, and secure life insurance coverage tailored to their needs. By opting in, users may receive messages related to life insurance inquiries, policy information, quotes, appointment reminders, follow-ups, and important updates regarding their request or coverage. Messages may be sent via SMS, phone call, or email to support customer service, education, and policy-related communication.Clearly insert your business name and a brief description of the messages users can expect. This clause gives users an idea of who you are and what you do.

Opt-Out & Support Mechanisms

This must cover how users can opt out of messaging and explain how they can get support.

“You can cancel the SMS service at any time. Just text "STOP" to the (732) 890-8261. 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]"

Carrier Liability Clause

"Carriers are not liable for delayed or undelivered messages."

Message Frequency Clause

This clause must cover the frequency in which you receive messages as a user.

“As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive Up to 3–5 messages per week per contact, depending on user interaction.. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.”

Privacy Policy Link

You must have a cross-link to your privacy policy within the Terms of Service.

“If you have any questions regarding privacy, please read our privacy policy: Privacy Policy”

Age Restriction (18+)

By accessing or using this website and our services, you confirm that you are at least 18 years of age. Our services, including SMS communications, are not intended for individuals under the age of 18.

We do not knowingly collect personal information, including phone numbers, from anyone under 18. If we become aware that information has been collected from a person under the age of 18, we will take appropriate steps to delete such data promptly.

By providing your contact information and consenting to receive SMS communications, you represent and warrant that you meet the minimum age requirement.

Notices

For any questions related to the Terms & Conditions, you can reach us: