Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the Vantage Risk Management LLC website, forms, assessments, scheduling tools, communications, and related services.

By accessing or using this website or submitting information through our forms, you agree to these Terms.

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1. About Vantage Risk Management

 

Vantage Risk Management LLC provides insurance, financial risk management, retirement planning, protection planning, accumulation strategy, business planning, and related financial-services education and support.

Information provided through this website is intended for general informational and educational purposes and should not be interpreted as individualized legal, tax, accounting, or investment advice unless specifically provided through an appropriate professional engagement.

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2. No Guarantee of Results

 

Any illustrations, projections, examples, estimates, financial assessments, or strategy discussions are based on assumptions and information available at the time they are prepared.

Actual results may vary.

Insurance and financial products may be subject to underwriting, eligibility requirements, carrier approval, product availability, fees, charges, limitations, exclusions, surrender periods, market conditions, interest-crediting methods, tax treatment, and other factors.

Nothing on this website guarantees approval, policy issuance, investment performance, credited interest, tax results, retirement income, or any specific financial outcome.

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3. Financial Risk Assessments

 

Any financial risk assessment, questionnaire, score, or educational tool available through this website is intended to help identify areas that may warrant further review.

Assessment results are not a substitute for a full financial, insurance, legal, tax, or investment analysis.

Results may be based solely on the information you provide and should not be relied upon as a recommendation to purchase, replace, surrender, exchange, or modify any financial or insurance product.

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4. Insurance and Financial Product Information

 

Product descriptions, illustrations, rates, premiums, benefits, and other information may vary by carrier, state, underwriting classification, age, health, product availability, and other factors.

Coverage is not effective unless and until an application has been approved by the applicable insurance carrier and all requirements for policy issuance and effectiveness have been satisfied.

You should review all carrier-provided illustrations, disclosures, policy documents, contracts, and other materials before making a final decision.

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5. Tax, Legal, and Accounting Matters

 

Vantage Risk Management LLC does not provide legal, tax, or accounting advice unless expressly stated otherwise and performed by an appropriately qualified professional.

You should consult your attorney, CPA, tax professional, or other qualified advisor regarding the legal and tax consequences of any financial, insurance, retirement, estate, business, or succession strategy.

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6. SMS and Text Messaging Terms

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By voluntarily providing your mobile telephone number and separately consenting to receive text messages from Vantage Risk Management, you agree that we may send you SMS or text messages related to:

• Your inquiry or request for information

• Appointment scheduling and reminders

• Financial risk assessments

• Insurance or financial-service consultations

• Follow-up communications

• Application or policy-related updates

• Customer-service matters

• Products or services you have requested information about

• Other communications consistent with the consent you provided

Message frequency varies. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing any product or service.

You may opt out of text messaging at any time by replying STOP to any message.

After opting out, you may receive a final confirmation message indicating that you have been unsubscribed.

For assistance, reply HELP or contact Vantage Risk Management directly.

Carriers and mobile service providers are not liable for delayed or undelivered messages.

Your mobile information and SMS consent will be handled in accordance with our Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties for their own marketing or promotional purposes.

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7. Email and Electronic Communications

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By submitting your email address or otherwise communicating with Vantage Risk Management electronically, you consent to receiving communications related to your inquiry, appointments, requested services, applications, policies, or ongoing business relationship.

Where applicable, marketing emails may include an option to unsubscribe.

Transactional, servicing, compliance, or other non-marketing communications may still be sent where permitted or required.

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8. Accuracy of Information You Provide

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You agree to provide accurate, complete, and current information when completing forms, assessments, applications, questionnaires, appointment requests, or other submissions.

Insurance underwriting, product recommendations, financial analyses, and other services may depend on the accuracy of the information you provide.

Vantage Risk Management is not responsible for errors or outcomes resulting from incomplete, inaccurate, or misleading information supplied by a user.

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9. Third-Party Websites and Services

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This website may contain links to or integrations with third-party services, including insurance carriers, financial institutions, scheduling platforms, communication providers, payment processors, assessment tools, or other websites.

Vantage Risk Management does not control and is not responsible for the content, security, availability, terms, or privacy practices of third-party websites or services.

Your use of third-party services may be governed by their own terms and privacy policies.

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10. Intellectual Property

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Unless otherwise stated, the content of this website, including text, branding, graphics, assessments, educational materials, designs, logos, and other original content, is owned by or licensed to Vantage Risk Management LLC.

You may use website content for your personal, non-commercial informational purposes.

You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without prior written permission.

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11. Prohibited Use

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You agree not to use this website or our services to:

• Violate applicable law

• Submit false, fraudulent, or misleading information

• Attempt unauthorized access to systems or data

• Interfere with website security or functionality

• Introduce malicious code, viruses, or harmful software

• Collect or misuse information about other users

• Use our content or systems for unauthorized commercial purposes

 

12. Website Availability

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We may modify, suspend, discontinue, or restrict access to any portion of the website or its features at any time.

We do not guarantee that the website will always be uninterrupted, error-free, or available.

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13. Limitation of Liability

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To the fullest extent permitted by applicable law, Vantage Risk Management LLC will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from your use of this website or reliance on information provided through it.

This includes losses arising from website interruptions, third-party services, inaccurate user-provided information, or decisions made based solely on general educational content available through the website.

Nothing in these Terms limits liability where such limitation is prohibited by law.

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14. Privacy

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Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, protect, and disclose personal information.

The Privacy Policy is incorporated into these Terms by reference.

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15. Changes to These Terms

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We may update these Terms periodically to reflect changes in our services, technology, business practices, legal requirements, or regulatory obligations.

The updated version will be posted on this page with a revised effective date.

Continued use of the website after changes are posted constitutes acceptance of the updated Terms.

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16. Governing Law

These Terms will be governed by the laws of the State of Texas, without regard to conflict-of-law principles.

Any dispute arising from these Terms or use of this website will be subject to applicable federal and Texas law.

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17. Contact Us

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Questions regarding these Terms & Conditions may be directed to:

Vantage Risk Management LLC
San Antonio, Texas
Email: info@vantageriskmgt.com