Effective: July 14, 2026 · Last updated: July 14, 2026
This website (the “Site”) is owned and operated by Hines Financial (HINES FINANCIAL LLC) (“we,” “us,” or “our”). These Terms of Use govern your access to and use of the Site and our services. By using the Site, you agree to these Terms and warrant that you are at least 18 years old. If you do not agree, please do not use the Site. We may update these Terms at any time; your continued use constitutes acceptance of any changes.
The Services are provided “as is.” We provide information, tools, quotes, and quote ranges to help you with life insurance decisions, as well as formal quoting and brokering of insurance products. We are a licensed insurance agency. Any quotes or quote ranges are non-binding; the final premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by state and individual circumstances, and are only available where we are properly licensed. In the event of a conflict between these Terms and the terms of any insurance policy, the policy terms control.
By providing your mobile phone number and voluntarily selecting one or both SMS consent checkboxes on our website, you consent to receive recurring SMS messages from Hines Financial in accordance with your selected preferences. Message frequency varies. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance.
You may separately opt in to receive:
SMS consent is not a condition of purchasing any goods or services.
Text STOP to stop receiving messages from Hines Financial (you will receive a confirmation text). Reply HELP for assistance, or contact us at:
Phone: (954) 555-0100
Email: hello@hines-financial.com
Supported carriers include: AT&T, Verizon Wireless, T-Mobile®, Sprint, Boost, Cricket, MetroPCS, U.S. Cellular, Virgin Mobile, and others. T-Mobile is not liable for delayed or undelivered messages. Carriers are not liable for delayed or undelivered messages.
You agree not to use this Site for any unlawful purpose; to transmit malicious code; to harass or impersonate others; to interfere with others' use of the Site; to send spam or harvest data; to reverse engineer any part of the Site; or to run automated systems that overload our servers.
All content on the Site — text, graphics, logos, and design — is owned by us or our licensors and protected by applicable law. You may not copy, use, or distribute the content without our written permission.
THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SITE OR SERVICES. YOUR SOLE REMEDY FOR DISSATISFACTION IS TO STOP USING THE SITE.
Not all products or Services are available in all areas, and you may not be eligible for all of them. You agree to indemnify and hold us harmless from any claims arising out of your breach of these Terms or your misuse of the Site or Services.
Hines Financial
6245 North Federal Highway, Fort Lauderdale, FL 33308
Phone: (954) 555-0100
Email: hello@hines-financial.com