These Terms & Conditions govern your use of https://lifepensionsmatter.com operated by The Haven of Wellness LLC (“we”, “us”, or “our”), a California Limited Liability Company (EIN: 86-2921885) located at 1968 Coast Highway 235, Laguna Beach, CA 92651.

By using this Website or submitting any form, you agree to these Terms.

1. Our Services

We provide information and assistance regarding Life Insurance, Health Insurance, Annuity Planning, and Pension Maximization. All quotes and consultations are for informational purposes only and do not constitute professional financial or insurance advice.

2. SMS & Text Messaging Terms

When you provide your phone number and check 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.

These messages may include:

• Transactional (non-marketing) messages such as appointment confirmations, reminders, quote follow-ups, and status updates
• Marketing or promotional messages only if you separately consent to receive them

Message & data rates may apply. Message frequency varies. Reply HELP for assistance or STOP to opt out at any time.

3. Age Restriction

This SMS program and our services are intended for individuals who are at least 18 years of age. By opting in to receive SMS messages or using our services, you represent and warrant that you are at least 18 years old. We do not knowingly collect or send messages to individuals under the age of 18.

4. Carrier Liability Disclaimer

Message delivery is subject to the capabilities and limitations of your wireless carrier and network. We and our SMS service providers are not responsible for any delays, failures, misdeliveries, or errors in the transmission of messages caused by your wireless carrier, network issues, or any third party.

Carriers do not guarantee delivery of messages and are not liable for any damages arising from the use of the SMS service. We are not liable for any costs, damages, or inconvenience resulting from delayed or undelivered messages.

5. Limitation of Liability

We are not liable for any damages arising from your use of the Website or decisions made by insurance carriers. Our services are provided “as is”.

6. Governing Law

These Terms are governed by the laws of the State of California.

Contact Us

The Haven of Wellness LLC
1968 Coast Highway 235
Laguna Beach, CA 92651
Email: [email protected]