Last Updated: April 3, 2026

Agreement to Terms

By accessing or using the services provided by The Haven of Wellness LLC ("Company," "we," "our," or "us"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

Description of Services

We provide insurance consultation and planning services, including:

• Life and Health Insurance quotes.

• Annuity Planning and Pension Maximization strategies.

• Appointment scheduling and follow-up via SMS/Email.

• Personalized financial protection consultations.

SMS Consent and Phone Numbers

The Haven of Wellness LLC will not share, sell, or rent your mobile phone number or SMS opt-in data with third parties or affiliates for marketing or promotional purposes.

By providing your phone number and checking the consent box(es) on our website forms, you give us your prior express written consent to receive text messages from The Haven of Wellness LLC.

Message frequency varies based on your inquiry, insurance quote status, and appointment interactions. We send transactional messages (reminders, follow-ups) and promotional messages only if you have provided separate explicit consent. All messages include clear opt-out instructions.

All other categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties.

For more, you can visit and read our privacy policy.

SMS Messaging Consent and Compliance

Our SMS services are used for transactional customer service and marketing purposes based on your specific selection provided in opt-in form at https://lifepensionsmatter.com.

• Consent: We only trigger messages based on a direct inbound action (filling a form) initiated by the consumer on https://lifepensionsmatter.com.

• Transparency: Every initial message identifies our brand name (The Haven of Wellness LLC) and the purpose of the message (e.g., quote follow-up or appointment reminder).

• Double Opt-in: We provide separate checkboxes for transactional updates and promotional offers to ensure clear consumer intent.

Description of SMS Use Case

The Haven of Wellness LLC sends SMS messages to customers who request insurance quotes or consultations through our website forms at https://lifepensionsmatter.com.

These messages include transactional updates such as appointment reminders, quote follow-ups, and inquiry responses. We also send promotional messages only to users who have provided separate explicit consent via a dedicated marketing checkbox on our forms. Customers provide explicit consent by checking the consent box(es) before submitting their information. Message frequency varies. Message & data rates may apply. Reply STOP to opt out or HELP for assistance.

How We Use Your Information

We use the information we collect to:

• Provide and maintain our insurance consultation services.

• Send customer care and service-related text messages (appointment reminders, quote updates).

• Process insurance applications and respond to inquiries.

• Respond to your support requests and improve our services.

• Deliver marketing promotions (only where explicit consent is provided).

• Consent is not a condition of purchase

SMS Messaging Terms

Our Messaging Standards: To ensure the highest level of consumer protection, The Haven of Wellness LLC requires all communication to adhere to the following opt-in standards:

• Consent: We only trigger messages based on a direct inbound action (filling out a web form or initiating an inquiry) started by the consumer on https://lifepensionsmatter.com.

• Transparency: Every initial message identifies our brand name (The Haven of Wellness LLC) and the purpose of the message (e.g., quote follow-up or appointment reminder).

• Opt-In Disclosure: All forms include a clear disclosure: "By checking this box, I consent to receive text messages from The Haven of Wellness LLC. Msg & data rates may apply. Reply STOP to opt out. Reply HELP for assistance."

Opt-Out Instructions

STOP: To stop receiving SMS messages from our service, reply STOP to any message. You will receive a confirmation message and will no longer receive SMS communications from us. Standard message and data rates may apply to the STOP message.

Help & Support

HELP: For assistance with our SMS service, reply HELP to any message or contact us at [email protected]. You may also reach us via our website contact page during business hours.

Message Frequency

Message frequency varies based on your business activity, insurance inquiry status, and customer interactions. Messages are sent only in response to your requests for quotes, consultations, or appointment-related communications. Promotional messages are only sent if separate explicit consent was provided.

Message and Data Rates

Standard message and data rates may apply to all SMS messages sent and received through our service. Please check with your mobile carrier for details about your messaging plan.

Carrier Liability Disclaimer

Message delivery is subject to the capabilities of your wireless carrier. Carriers do not guarantee delivery and are not liable for any delayed or undelivered messages.

User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information.

• Use the service only for lawful purposes.

• Maintain the confidentiality of any account details.

• Ensure you are at least 18 years of age.

Prohibited Uses

You may not use our services to:

• Send spam or unsolicited messages.

• Harass, threaten, or harm any person.

• Violate any state or federal regulations regarding SMS communications.

Limitation of Liability

To the fullest extent permitted by law, The Haven of Wellness LLC shall not be liable for any indirect, incidental, or consequential damages resulting from your use of our services or website.

Indemnification

You agree to indemnify and hold harmless The Haven of Wellness LLC from any claims or losses arising from your violation of these terms.

Modifications to Terms

We reserve the right to modify these Terms at any time. Your continued use of our services after updates constitutes acceptance of the new terms.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California.

Contact Information

For questions about our services, policies, or SMS compliance, please contact:

The Haven of Wellness LLC

Address: 1968 Coast Highway 235, Laguna Beach, CA 92651

Email: [email protected]

Phone: +1 888-874-8033