TERMS AND CONDITIONS

Effective Date: March 15, 2026 | Last Updated: March 15, 2026

These Terms of Service govern your use of the services provided by Oakmont Capital Group Insurance LLC, including our SMS messaging program, website, and insurance consultation services. By submitting your information through our website or lead forms, you agree to these Terms.

SMS MESSAGING PROGRAM

Oakmont Capital Group Insurance operates an SMS messaging program to communicate with prospective and existing clients regarding life insurance coverage options, consultations, and follow-up communications.

By providing your phone number and submitting our contact form, you consent to receive SMS text messages from Oakmont Capital Group Insurance. These messages may include:

Confirmation of your inquiry submission

Follow-up messages regarding your life insurance request

Appointment reminders and scheduling information

Information about life insurance products and coverage options

General business communications related to your inquiry

MESSAGE FREQUENCY

Message frequency varies based on your interaction with our services. You may receive up to 7 messages per inquiry cycle. We will not send unsolicited messages unrelated to your insurance inquiry.

HOW TO OPT OUT

To stop receiving SMS messages at any time, reply STOP to any message we send. You will receive one final confirmation message and will be removed from all future messaging. You may also contact us directly at (303)-472-4878 to request removal.

After opting out, you will no longer receive SMS communications from Oakmont Capital Group Insurance unless you re-consent by submitting a new inquiry form.

HOW TO GET HELP

If you need assistance or have questions about our SMS program, reply HELP to any message or contact us at:

Phone: (303)-472-4878

Email: [email protected]

Website: www.oakmontcapitalgroupinsurance.net

MESSAGE AND DATA RATES

Message and data rates may apply. Standard messaging rates charged by your mobile carrier may apply to messages sent and received. Oakmont Capital Group Insurance is not responsible for any charges imposed by your mobile carrier.

CARRIER DISCLAIMER

Carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission from your network operator. Oakmont Capital Group Insurance is not responsible for any delays or failures in SMS delivery caused by network issues or carrier policies.

AGE RESTRICTION

Our services are intended for individuals who are 18 years of age or older. By submitting your information and consenting to receive SMS communications, you confirm that you are at least 18 years old. We do not knowingly collect information from individuals under the age of 18.

PRIVACY AND DATA USE

We are committed to protecting your privacy. Information collected through our contact forms and SMS program is used solely for the purpose of providing insurance consultation services. We do not sell, share, or transfer your personal information or SMS opt-in data to third parties for marketing purposes.

For complete information on how we collect, use, and protect your data, please review our Privacy Policy at www.oakmontcapitalgroupinsurance.net/privacy-policy.

INSURANCE SERVICES DISCLOSURE

Oakmont Capital Group Insurance LLC is a licensed independent insurance agency. Ramone Graham is a licensed insurance agent in the states of Colorado, Texas, Florida, and Georgia. Insurance products are offered through licensed carriers including Corebridge Financial and Mutual of Omaha.

Nothing in our communications constitutes a binding insurance contract or guarantee of coverage. All coverage is subject to carrier approval, underwriting review, and policy terms and conditions.

NO GUARANTEE OF COVERAGE

Submission of an inquiry form or participation in a consultation does not guarantee insurance coverage, approval, or specific pricing. All coverage decisions are made by the insurance carrier based on their underwriting criteria.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Oakmont Capital Group Insurance LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services, SMS communications, or reliance on information provided during consultations.

CHANGES TO THESE TERMS

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services following any changes constitutes your acceptance of the revised Terms.

GOVERNING LAW

These Terms are governed by the laws of the State of Colorado without regard to conflict of law provisions.

CONTACT INFORMATION

For questions about these Terms of Service, our SMS program, or our insurance services, please contact us:

Oakmont Capital Group Insurance LLC Colorado, United States Phone: (303)-472-4878 Email: [email protected] Website: www.oakmontcapitalgroupinsurance.net