Last Updated: August 12, 2026
IMPORTANT LEGAL NOTICE
THESE TERMS AND CONDITIONS AND CONSENT AGREEMENT (THE “TERMS”) CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND CHRISTOPHER LINSCOME, AN INDIVIDUAL DOING BUSINESS AS ANCHOR & OAK FINANCIAL GROUP. THESE TERMS GOVERN YOUR ACCESS TO AND USE OF THE COMPANY’S WEBSITES, LANDING PAGES, FORMS, CONTENT, COMMUNICATIONS, CONSULTATIONS, EDUCATIONAL MATERIALS, LEAD MAGNETS, AND RELATED SERVICES.
THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT, A WAIVER OF THE RIGHT TO A JURY TRIAL, AND A CLASS ACTION WAIVER. EXCEPT AS EXPRESSLY PROVIDED IN SECTIONS 27 THROUGH 29, DISPUTES MUST BE RESOLVED THROUGH INDIVIDUAL ARBITRATION AND NOT IN COURT OR AS PART OF A CLASS, COLLECTIVE, REPRESENTATIVE, OR CONSOLIDATED ACTION. PLEASE REVIEW THOSE SECTIONS CAREFULLY.
THE COMPANY PROVIDES GENERAL EDUCATIONAL INFORMATION AND, WHERE AUTHORIZED, INSURANCE-RELATED SERVICES. THE COMPANY DOES NOT PROVIDE LEGAL, TAX, ACCOUNTING, SECURITIES, INVESTMENT, OR FIDUCIARY ADVICE. NO WEBSITE CONTENT, FREE RESOURCE, ADVERTISEMENT, EMAIL, SOCIAL-MEDIA POST, WEBINAR, CHECKLIST, GUIDE, OR OTHER GENERAL COMMUNICATION IS A SUBSTITUTE FOR ADVICE FROM A QUALIFIED PROFESSIONAL WHO HAS REVIEWED YOUR INDIVIDUAL CIRCUMSTANCES.
BY CLICKING “I AGREE,” CHECKING A BOX THAT REFERENCES THESE TERMS, SUBMITTING A FORM THAT CONSPICUOUSLY INCORPORATES THESE TERMS, CREATING AN APPOINTMENT, REQUESTING SERVICES, PURCHASING A PRODUCT OR SERVICE, OR OTHERWISE MANIFESTING ASSENT TO THESE TERMS, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE, DO NOT SUBMIT THE FORM, COMPLETE THE TRANSACTION, OR USE THE SERVICES.
The separate marketing communications consent described in Section 11 applies only when you affirmatively provide the consent required by that Section. Merely visiting a Site, downloading Free Content, or accepting these Terms does not, by itself, constitute prior express written consent to receive automated or prerecorded marketing calls or text messages where applicable law requires a separate affirmative consent.
1. ACCEPTANCE, ELIGIBILITY, AND LEGAL CAPACITY
Acceptance. These Terms apply to each person who accesses or uses any Site or Service, submits information to the Company, requests or receives Free Content, schedules or participates in a consultation, requests insurance information or a quote, begins or submits an insurance application through an insurer, or otherwise interacts with the Company in a manner that references these Terms.
Age and Capacity. You represent and warrant that you are at least eighteen years of age, possess the legal capacity to enter into a binding agreement, and are not prohibited by applicable law from using the Services. If you act on behalf of another individual or an entity, you represent and warrant that you have authority to bind that person or entity, provided that no person may provide medical, financial, or application information for another proposed insured without lawful authorization.
Electronic Assent. Your electronic acceptance has the same force and effect as a handwritten signature to the fullest extent permitted by applicable law. You are responsible for retaining a copy of these Terms for your records.
Changes in Circumstances. You shall promptly notify the Company if information material to a pending request, consultation, quote, prequalification, or insurance application changes before the applicable insurer issues coverage.
2. PARTIES AND DEFINITIONS
Company. “Company,” “Anchor & Oak,” “we,” “us,” and “our” mean Christopher Linscome, an individual doing business as Anchor & Oak Financial Group, together with persons acting within the scope of their authorized duties on the Company’s behalf.
User. “User,” “you,” and “your” mean the individual or entity accessing or using the Sites, Content, or Services, submitting information, receiving communications, or otherwise assenting to these Terms.
Sites. “Sites” means the Company’s websites, landing pages, scheduling pages, forms, portals, social-media pages, and other digital properties that display or incorporate these Terms.
Content. “Content” means all information and materials made available by or on behalf of the Company, including text, graphics, videos, audio, webinars, presentations, calculators, illustrations, worksheets, checklists, templates, guides, ebooks, reports, emails, social-media content, frameworks, systems, training materials, and documents.
Free Content. “Free Content” means Content offered without a purchase price, including lead magnets, free guides, ebooks, checklists, webinars, newsletters, educational emails, and introductory consultations.
Services. “Services” means the Content, Free Content, consultations, educational information, insurance-related information, quote or application assistance, scheduling, communications, referrals, and other services offered by or through the Company. “Services” does not include an insurance policy issued by an insurer.
Insurance Product. “Insurance Product” means a policy, contract, rider, or other insurance coverage offered, underwritten, issued, administered, or guaranteed by a third-party insurer.
Insurer. “Insurer” means an insurance carrier or other authorized risk-bearing entity. An Insurer is separate from the Company and is solely responsible for underwriting, policy issuance, contract terms, premium requirements, administration, and claims decisions for its Insurance Products.
Communications. “Communications” means telephone calls, voicemail messages, text messages, multimedia messages, emails, direct messages, and other electronic or written communications sent by or on behalf of the Company.
3. SCOPE OF SERVICES
Business Activities. The Company operates as a life insurance agent and educational content provider. The Company may provide general information concerning life insurance concepts, financial protection considerations, policy features, application processes, and related subjects; offer Free Content; conduct consultations; respond to requests for information; obtain or facilitate preliminary quotes; assist with applications; and solicit or offer Insurance Products in jurisdictions where the Company is properly licensed and authorized.
Lead Generation. The Company may generate inquiries through free guides, ebooks, checklists, webinars, consultations, newsletters, landing pages, websites, online forms, paid advertisements, social-media campaigns, email campaigns, referral sources, and similar lawful channels. The fact that Content is offered without a purchase price does not alter its promotional or educational nature.
No Obligation to Serve. The Company may accept, decline, suspend, limit, or discontinue any request or Service in its lawful discretion. Nothing in these Terms requires the Company or any Insurer to provide a quote, submit an application, issue coverage, offer a particular product, maintain a particular carrier appointment, or continue any Service.
Geographic and Licensing Limitations. Insurance-related Services are available only where lawful and only in jurisdictions in which the person performing the regulated activity holds all required licenses and appointments. Content may be accessible in locations where the Company does not offer Insurance Products. Access to Content from a jurisdiction does not constitute an offer or solicitation where prohibited.
No Authority to Bind an Insurer. The Company is not an Insurer and cannot alter an Insurance Product, waive an Insurer’s requirements, bind coverage, guarantee issuance, approve a claim, or commit an Insurer except to the limited extent expressly authorized in writing by that Insurer. No oral statement modifies a policy or creates coverage.
Changes to Services. Products, carriers, pricing, underwriting practices, availability, Content, and Services may change without notice. The Company does not warrant that any particular resource, consultation, carrier, or product will remain available.
4. EDUCATIONAL PURPOSE ONLY
General Content and Free Content are provided solely for general educational and informational purposes. They are designed to promote understanding and awareness and may also promote the Company’s insurance-related Services.
Content is not tailored to your complete financial condition, health history, family circumstances, objectives, existing coverage, tax situation, risk tolerance, or legal obligations unless the Company expressly performs a separate, individualized insurance review within the lawful scope of its license.
Examples, scenarios, stories, hypothetical illustrations, testimonials, and case studies are provided for explanation only. They may omit material facts and shall not be treated as a prediction, recommendation, or representation that the same or similar outcome will apply to you.
You shall not make, delay, or refrain from making a financial, legal, tax, investment, business, medical, estate-planning, or insurance decision solely in reliance on general Content. You are responsible for obtaining individualized advice and reviewing the actual terms of any proposed Insurance Product.
5. NO PROFESSIONAL ADVICE; NO FIDUCIARY RELATIONSHIP
No Legal Advice. The Company is not a law firm and does not provide legal advice. No attorney-client relationship is created by your use of the Sites, Content, or Services.
No Tax or Accounting Advice. The Company does not provide tax, accounting, or tax-return preparation advice. Statements concerning taxation are general, may change, and may not apply to you. You should consult an independent certified public accountant, enrolled agent, or tax attorney.
No Investment or Securities Advice. Unless expressly stated in a separate written agreement and provided by a properly registered or exempt professional, the Company does not provide investment advice, securities recommendations, portfolio management, financial planning, or advice concerning the purchase, sale, or holding of securities or investment products.
No Fiduciary Relationship. To the fullest extent permitted by law, the Company does not act as your fiduciary, trustee, investment adviser, attorney, accountant, or estate planner. Any duties imposed by nonwaivable law remain unaffected. Insurance-related recommendations, if any, are made solely within the scope of applicable insurance licensure and do not create a broader fiduciary relationship.
Independent Professional Review. You are responsible for consulting qualified independent professionals before implementing strategies involving taxes, trusts, business succession, retirement assets, public benefits, estate planning, investments, or other matters outside the Company’s licensed scope.
6. INSURANCE-SPECIFIC DISCLOSURES
Company Is Not the Insurer. Insurance Products are offered and issued by third-party Insurers. The applicable Insurer, and not the Company, is solely responsible for underwriting, premium rates, policy terms, policy administration, financial obligations, and claims determinations.
Quotes Are Preliminary. Any quote, range, estimate, or preliminary indication is nonbinding, may be based on incomplete or unverified information, and may change after underwriting. A quote is not an offer, approval, binder, contract, or guarantee of coverage.
Application Does Not Create Coverage. Completing, signing, submitting, or paying money with an application does not necessarily place coverage in force. Coverage exists only if and when the Insurer issues or approves the policy, all conditions for effectiveness are satisfied, and any required premium is received and accepted, subject to any conditional receipt or temporary insurance agreement expressly issued by the Insurer.
Underwriting and Eligibility. Eligibility, rating class, premium, face amount, riders, exclusions, waiting or graded benefit periods, and issuance are subject to the Insurer’s underwriting rules and applicable law. The Insurer may request health, prescription, motor-vehicle, financial, identity, or other information and may decline, postpone, limit, or modify an offer.
Policy Controls. The issued policy, application, riders, endorsements, amendments, notices, and Insurer-approved illustrations constitute the controlling documents. If Content, an advertisement, a quote, a summary, an oral statement, or these Terms conflicts with an issued policy, the policy controls with respect to coverage, subject to applicable law.
Guaranteed and Nonguaranteed Elements. Policy values, dividends, interest crediting, index performance, cash values, surrender values, loans, withdrawals, and other features may include guaranteed and nonguaranteed elements. Nonguaranteed elements can change. Loans and withdrawals may reduce cash value and death benefits, cause tax consequences, require additional premiums, or cause a policy to lapse. You must review the Insurer’s illustration and policy and consult qualified tax and legal professionals before acting.
Existing Coverage and Replacement. Do not cancel, surrender, reduce, borrow against, or otherwise alter existing coverage until you have reviewed the consequences, received and accepted any replacement coverage, confirmed that the new policy is in force, and completed any applicable free-look period as appropriate. Replacing a policy may restart contestability or suicide periods, create surrender charges, cause loss of guarantees or benefits, increase premiums, or produce tax consequences.
Advertising and Required Disclosures. Insurance advertisements and solicitations are subject to applicable federal and state requirements, including the Washington life insurance advertising regulations in chapter 284-23 WAC where applicable. Any Insurer-approved disclosure, illustration, buyer’s guide, policy summary, replacement notice, privacy notice, or other mandated document is incorporated only for the transaction to which it applies and supersedes inconsistent general promotional Content.
Producer Compensation and Product Availability. The Company may receive commissions or other lawful compensation from an Insurer if an Insurance Product is issued or maintained. The Company may not be appointed with, have access to, or evaluate every Insurer or product available in the market. Any comparison or recommendation is limited to products the Company is lawfully authorized and able to offer at the relevant time unless expressly stated otherwise.
Accuracy and Completeness of Application Information. You are solely responsible for reviewing every application answer and ensuring that all statements are complete, current, and accurate before signing. Misstatements or omissions may cause a change in terms, rescission, denial of a claim, loss of coverage, or other consequences. You shall not ask the Company to omit, conceal, or misstate information.
No Guarantee of Insurer Solvency or Claims. Financial-strength ratings and general information about an Insurer are opinions or data supplied by third parties and may change. The Company does not guarantee an Insurer’s solvency, future ratings, performance, policy crediting, dividend scale, or payment of any claim.
Free-Look and Cancellation Rights. Any statutory or contractual right to examine, reject, or cancel an Insurance Product is governed by the policy and applicable law. You are responsible for observing all deadlines and following the Insurer’s instructions.
7. NO GUARANTEES; NO INCOME OR RESULTS CLAIMS
The Company makes no guarantee or warranty concerning financial security, savings, access to funds, policy performance, tax treatment, underwriting approval, premium amount, insurability, claims payment, business performance, revenue, income, profit, cost reduction, or any other result.
Any statement concerning a possible benefit, strategy, result, or outcome is illustrative and conditional. Actual results depend on facts outside the Company’s control, including your actions, health, age, finances, accuracy of information, policy selection, premium payments, Insurer practices, market conditions, tax law, and legal or regulatory changes.
Testimonials and descriptions of other persons’ experiences are not promises, typical-results claims, or guarantees. Individual experiences vary materially.
The Company does not make earnings claims or represent that use of any Content, system, framework, consultation, or Service will produce business income, sales, commissions, profits, or financial success.
8. USER RESPONSIBILITIES AND DUE DILIGENCE
You are responsible for evaluating the suitability of any action, reading all documents, asking questions, obtaining independent advice, and making your own informed decisions.
You shall provide accurate, complete, and current contact, identity, health, financial, beneficiary, ownership, and other information requested for a legitimate purpose. You shall promptly correct any error and review the final application before signing.
You are responsible for maintaining copies of applications, policies, illustrations, correspondence, payment records, and notices; monitoring premium obligations; keeping contact and beneficiary information current; and communicating directly with the Insurer when necessary.
You assume responsibility for ensuring that your use of the Sites, Content, and Services complies with laws applicable to you and does not infringe the rights of another person.
You shall not provide another person’s personal, medical, or financial information without authorization, impersonate another person, or submit information you know or should know is false or misleading.
9. LEAD MAGNETS AND FREE CONTENT DISCLAIMER
Free Content is provided without any representation that it is comprehensive, current, error-free, suitable for a particular person, or sufficient to support a decision. The Company may revise or withdraw Free Content at any time.
Receipt of Free Content does not create an insurance contract, advisory relationship, fiduciary relationship, agency relationship, confidential professional relationship, or continuing duty to update you.
Free Content may be delivered in exchange for contact information and may contain promotional material or invitations to request insurance-related Services. Any marketing Communications remain subject to Section 11 and applicable law.
No statement in Free Content guarantees that a strategy is available, affordable, appropriate, or lawful for you, or that an Insurer will approve coverage or provide a particular benefit.
Advertisements, headlines, social-media posts, landing-page summaries, and brief descriptions necessarily omit details. They must be read together with applicable disclosures and cannot amend these Terms or an Insurance Product.
10. CONSULTATIONS, APPOINTMENTS, AND INTERACTIONS
Unless expressly stated otherwise in a separate written agreement, consultations are informational and exploratory. A consultation does not guarantee that the Company will recommend a product, submit an application, or provide continuing service.
You shall attend scheduled appointments promptly and provide reasonable notice of cancellation or rescheduling. The Company may cancel or reschedule an appointment and is not liable for resulting delay, lost opportunity, or inconvenience.
The Company may take notes and maintain records of consultations for legitimate business, compliance, and service purposes. Calls or meetings will be recorded only in accordance with applicable law and any required notice or consent.
Information transmitted in an ordinary consultation or through unsecured email, text, social media, or voicemail may not be secure. Do not transmit Social Security numbers, full medical records, payment-card data, or other highly sensitive information except through a channel designated for that purpose.
11. COMMUNICATIONS CONSENT
Separate Affirmative Consent Required Where Applicable. The marketing consent in Section 11.2 becomes effective only if you separately and affirmatively check an unchecked consent box, electronically sign a disclosure, or otherwise provide a written consent that clearly identifies the Company, the number to be contacted, the permitted technologies, and the marketing purpose. Acceptance of these Terms, standing alone, is not intended to serve as prior express written consent when applicable law requires a separate consent.
Telephone, Text, and Email Marketing Consent. IF YOU SEPARATELY PROVIDE THE AFFIRMATIVE WRITTEN CONSENT DESCRIBED ABOVE, YOU EXPRESSLY AUTHORIZE CHRISTOPHER LINSCOME DOING BUSINESS AS ANCHOR & OAK FINANCIAL GROUP, AND ITS LICENSED REPRESENTATIVES AND SERVICE PROVIDERS ACTING SOLELY ON ITS BEHALF, TO CONTACT YOU AT THE TELEPHONE NUMBER OR NUMBERS AND EMAIL ADDRESS YOU PROVIDE REGARDING LIFE INSURANCE, REQUESTED INFORMATION OR QUOTES, APPOINTMENTS, EDUCATIONAL RESOURCES, COMPANY SERVICES, AND RELATED PROMOTIONS. AUTHORIZED CONTACT METHODS INCLUDE TELEPHONE CALLS, SMS TEXT MESSAGES, MMS MESSAGES, VOICEMAILS, AND EMAILS. CALLS OR TEXTS MAY BE SENT USING AN AUTOMATIC TELEPHONE DIALING SYSTEM, AUTOMATED SYSTEM, ARTIFICIAL VOICE, PRERECORDED VOICE, OR OTHER AUTOMATED TECHNOLOGY, TO THE EXTENT PERMITTED BY APPLICABLE LAW. MESSAGE FREQUENCY VARIES. MESSAGE AND DATA RATES MAY APPLY.
Consent Is Not a Condition of Purchase. Your consent to automated or prerecorded marketing calls or texts is not a condition of purchasing any property, goods, or services, obtaining an insurance quote, applying for coverage, or receiving insurance-related assistance. You may contact the Company at [email protected] to inquire without providing such consent.
Scope and Seller Identification. The consent in this Section authorizes Communications by or on behalf of Christopher Linscome doing business as Anchor & Oak Financial Group. It does not authorize unrelated sellers to contact you. An Insurer or other third party may request a separate consent in connection with an application, policy, or service, and you must direct any revocation of that separate consent to the applicable third party.
Service and Transactional Communications. If you request information, schedule an appointment, begin an application, or enter into a transaction, the Company may send nonmarketing or transactional Communications reasonably necessary to respond to your request, administer the interaction, deliver requested Content, provide required notices, prevent fraud, or address security. The legal basis and opt-out treatment for those Communications may differ from marketing Communications.
Authority to Provide Contact Information. You represent that you are the subscriber, account holder, customary user, or otherwise authorized user of each telephone number and email address you provide. You shall notify the Company promptly if a number or address is reassigned, disconnected, or no longer under your control. You shall not provide contact information belonging to another person without authorization.
Consent Records. You consent to the creation and retention of electronic records documenting the consent disclosure presented, your affirmative action, date and time, IP address, form or page URL, telephone number, email address, and related audit information. Such records may be used to administer preferences and establish consent or compliance.
Compliance with Communications Laws. All Communications are subject to applicable law, including the Telephone Consumer Protection Act and 47 C.F.R. § 64.1200, the CAN-SPAM Act, the Telemarketing Sales Rule where applicable, state do-not-call and telemarketing laws, and, for Washington recipients, applicable provisions including RCW 19.190.060, RCW 80.36.390, and RCW 80.36.400. No provision of these Terms authorizes a method, time, frequency, or content of communication prohibited by the law applicable to the recipient.
No Guarantee of Delivery. The Company does not guarantee that a Communication will be timely, complete, secure, or delivered. Carriers and service providers may delay, filter, block, misroute, or fail to deliver Communications.
12. OPT-OUT AND REVOCATION INSTRUCTIONS
Text Messages. You may revoke consent to marketing text messages by replying STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE to a received text, or by using any other reasonable method that clearly communicates your request. After a request, the Company may send one nonmarketing confirmation message and, if reasonably necessary, one clarification request limited to the scope of your revocation.
Telephone Calls. You may request placement on the Company’s internal do-not-call list by telling the caller that you do not wish to receive further marketing calls or by emailing [email protected] with the telephone number to be suppressed.
Emails. You may opt out of marketing emails by using the unsubscribe link in the email or by emailing [email protected]. Commercial email practices are intended to follow applicable requirements, including the opt-out standards described by the Federal Trade Commission’s CAN-SPAM compliance guidance.
Reasonable Methods Honored. The Company will honor clear revocation and do-not-call requests made by any reasonable method within the time required by applicable law. The methods above are provided for convenience and are not exclusive where the law prohibits designation of an exclusive method.
Effect of Opt-Out. Opting out of marketing Communications does not cancel an appointment, application, policy, or transaction and does not prevent nonmarketing Communications permitted by law. Withdrawal is prospective and does not affect the lawfulness of Communications sent before the request was received and implemented.
Third-Party Communications. The Company cannot process an opt-out for an Insurer or another independently acting third party. You must use the opt-out process supplied by that party. The Company may forward a request when authorized or required but does not guarantee that a third party will treat a request sent only to the Company as notice to that third party.
13. ELECTRONIC RECORDS AND SIGNATURES
You agree that contracts, disclosures, notices, records, and signatures may be created, delivered, and retained electronically to the extent permitted by law. Electronic records and signatures may have legal effect under the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. § 7001, applicable state electronic-transactions law, and other governing law.
If applicable law requires a separate consumer consent to receive a required disclosure electronically, the Company or Insurer may present a separate electronic-records consent. These Terms do not eliminate any requirement for that separate consent.
You are responsible for maintaining a functioning email address, Internet access, a current web browser, software capable of viewing HTML and PDF files, and a device capable of storing or printing records. You may request information concerning a paper copy or withdrawal of electronic-delivery consent by emailing [email protected]. Any conditions or lawful fees will be disclosed before processing the request.
14. PAYMENT TERMS
Certain Services may be offered for a fee now or in the future. Prices, payment schedules, taxes, and material purchase terms will be disclosed at or before checkout or in a separate written agreement.
By providing a payment method, you represent that you are authorized to use it and authorize the disclosed charge. Payments may be processed by a third-party payment processor subject to its terms and privacy practices.
Recurring charges will be imposed only if you separately and expressly authorize them. You are responsible for maintaining accurate billing information and paying all valid charges and applicable taxes when due.
Insurance premiums are payable to, collected for, or governed by the applicable Insurer and policy documents. Nothing in these Terms changes an Insurer’s premium, grace-period, lapse, reinstatement, cancellation, or refund provisions.
A chargeback does not extinguish a valid payment obligation or waive the dispute-resolution provisions of these Terms. The Company may suspend paid access while a payment dispute remains unresolved, subject to applicable law.
15. REFUND POLICY
Except where a specific offer, checkout page, or separate written agreement expressly states otherwise, all purchases from the Company are final and nonrefundable to the fullest extent permitted by law.
No refund will be due because you failed to use a purchased Service, changed your mind, did not achieve a desired result, failed to attend a scheduled consultation, or misunderstood information that was accurately disclosed.
Nothing in this Section limits a nonwaivable statutory cancellation right or remedy. If a separate written refund or cancellation policy applies to a particular purchase, that specific policy controls for that purchase.
This Section does not govern refunds of insurance premiums or cancellation of an Insurance Product. Those matters are controlled by the policy, the Insurer’s procedures, any conditional receipt, applicable free-look rights, and governing insurance law.
16. INTELLECTUAL PROPERTY RIGHTS
The Sites, Content, and Services, including all frameworks, systems, methods, processes, course materials, training materials, templates, worksheets, checklists, guides, ebooks, presentations, videos, audio, graphics, designs, copy, trademarks, service marks, logos, trade dress, compilations, and derivative works, are owned by or licensed to the Company and are protected by copyright, trademark, trade-secret, unfair-competition, and other intellectual-property laws.
Subject to these Terms, the Company grants you a limited, revocable, nonexclusive, nontransferable, nonsublicensable license to access and use Content lawfully obtained from the Company solely for your personal, noncommercial use.
No sale or transfer of intellectual-property rights occurs when you access, download, receive, or purchase Content. All rights not expressly granted are reserved.
The names “Anchor & Oak Financial Group,” associated logos, slogans, and brand elements may not be used without prior written permission. No license is granted by implication, estoppel, or otherwise.
You shall preserve all copyright, trademark, proprietary, and attribution notices appearing on Content.
17. ACCEPTABLE USE OF MATERIALS AND SERVICES
You shall not, without the Company’s prior written permission:
reproduce, republish, upload, post, transmit, distribute, sell, license, sublicense, rent, share, or commercially exploit Content;
modify, translate, adapt, create derivative works from, reverse engineer, decompile, disassemble, or attempt to extract source materials from any Site or digital resource;
remove proprietary notices or represent Content as your own;
use Content to train, fine-tune, benchmark, populate, or improve an artificial-intelligence system, machine-learning model, commercial database, or competing product;
scrape, crawl, harvest, index, or use automated means to access a Site or collect Content or personal information, except as expressly authorized by the Company in writing;
use Content to provide insurance, legal, tax, investment, financial-planning, or other regulated advice to another person without all required licenses and independent professional judgment;
use the Sites or Services to transmit malware, interfere with security, probe vulnerabilities, obtain unauthorized access, or impose an unreasonable load;
submit false, deceptive, fraudulent, infringing, unlawful, or unauthorized information;
impersonate another person, misrepresent affiliation, or use the Company’s name or materials to suggest endorsement; or
use the Sites, Content, or Services in violation of any law, regulation, court order, contract, or third-party right.
The Company may investigate suspected misuse, preserve relevant evidence, restrict access, and cooperate with lawful requests from authorities. No enforcement action waives any other right or remedy.
18. USER SUBMISSIONS AND FEEDBACK
You retain ownership of original material you lawfully submit, subject to the licenses necessary for the Company to receive, process, store, reproduce, transmit, and use it to provide Services, comply with law, prevent fraud, maintain records, and protect legal rights.
You represent and warrant that you have all rights and authorizations necessary to submit information and that the Company’s permitted use will not violate law or another person’s rights.
Unless the Company expressly agrees otherwise in writing, ideas, suggestions, testimonials, reviews, and other feedback voluntarily submitted about the Company or Services are nonconfidential. You grant the Company a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, display, distribute, and create derivative works from such feedback for lawful business purposes. The Company will obtain any additional consent required by law before using your name, likeness, or personal testimonial in advertising.
Do not submit confidential business information, trade secrets, or sensitive personal information through a public or unsecured channel.
19. PRIVACY, DATA USE, AND SECURITY
The Company may collect, use, retain, and disclose information as reasonably necessary to operate the Sites, deliver requested Content, respond to inquiries, schedule consultations, provide insurance-related Services, maintain records, prevent fraud, comply with law, and protect rights. Additional practices may be described in a separately posted Privacy Policy, consent disclosure, Insurer notice, or application authorization. Any such document governs the specific processing to which it applies.
Information submitted in connection with an insurance inquiry or application may be transmitted to Insurers, underwriting vendors, service providers, and other persons as authorized by you or permitted by law. Insurers and independent third parties control their own processing and privacy practices.
No method of electronic storage or transmission is completely secure. Although the Company may use reasonable safeguards, it does not warrant that information will never be lost, accessed, disclosed, altered, intercepted, or misused.
You are responsible for using designated secure channels, protecting access credentials, securing your devices, and notifying the Company promptly of suspected unauthorized activity.
These Terms do not constitute any consent to sell sensitive personal information or any waiver of a nonwaivable privacy right. Privacy choices and requests will be handled in accordance with applicable law and any separately posted privacy notice.
20. THIRD-PARTY LINKS, INSURERS, AND RESOURCES
The Sites, Content, or Communications may link to or reference third-party websites, Insurers, rating agencies, service providers, social-media platforms, payment processors, scheduling systems, or other resources. Links are provided for convenience and do not constitute a warranty or endorsement unless expressly stated.
The Company does not control and is not responsible for third-party content, availability, security, accuracy, products, services, terms, privacy practices, underwriting, administration, or conduct.
Your dealings with an Insurer or other third party are governed by your agreements with that party. You assume all risk arising from third-party sites and services and should review their governing terms and notices.
A dispute concerning an Insurance Product may be governed by the policy and may need to be directed to the Insurer. These Terms govern disputes between you and the Company and do not impose obligations on an Insurer that is not a party to these Terms.
21. PLATFORM AVAILABILITY AND TECHNICAL RISKS
The Company may rely on third-party hosting, communications, customer-relationship management, form, scheduling, analytics, payment, and document-delivery providers. Interruptions or failures may occur without notice.
The Company may suspend access for maintenance, security, legal compliance, suspected misuse, or operational reasons. The Company is not liable for downtime, transmission errors, incompatibility, lost data, delayed appointments, blocked messages, or inability to access Content, except to the extent liability cannot lawfully be excluded.
You are responsible for maintaining compatible devices, software, Internet access, backups, and security controls.
22. DISCLAIMER OF WARRANTIES
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SITES, CONTENT, FREE CONTENT, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.
THE COMPANY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
THE COMPANY DOES NOT WARRANT THAT THE SITES, CONTENT, OR SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, CURRENT, COMPLETE, FREE OF HARMFUL CODE, OR COMPATIBLE WITH YOUR SYSTEMS; THAT DEFECTS WILL BE CORRECTED; OR THAT ANY INFORMATION, INSURANCE PRODUCT, INSURER, OR RESULT WILL MEET YOUR NEEDS.
NO ORAL OR WRITTEN INFORMATION CREATES A WARRANTY UNLESS EXPRESSLY SET FORTH IN A SIGNED WRITTEN AGREEMENT. INSURANCE PRODUCT WARRANTIES AND OBLIGATIONS, IF ANY, ARE SOLELY THOSE STATED IN THE APPLICABLE POLICY AND IMPOSED BY LAW ON THE INSURER.
Some jurisdictions do not permit exclusion of certain warranties. In those jurisdictions, exclusions apply only to the maximum extent permitted by law.
23. ASSUMPTION OF RISK
You knowingly and voluntarily assume the risks associated with using educational Content, communicating electronically, providing information online, relying on preliminary quotes or summaries, selecting or declining insurance, replacing existing coverage, delaying action, applying for coverage, and making financial or insurance decisions.
Such risks include misunderstanding incomplete information; changes in law, tax treatment, product availability, rates, or underwriting; denial or delay of coverage; policy lapse; loss of guarantees; reduced benefits; surrender charges; tax consequences; missed deadlines; cyber incidents; and differences between expected and actual policy performance.
You acknowledge that insurance needs and outcomes depend on individual facts and that no general framework or educational resource can identify or eliminate all risks.
You assume the risk of acting without independent legal, tax, accounting, investment, medical, or estate-planning advice and agree that the Company is not responsible for consequences resulting from matters outside its licensed scope.
You shall not treat a submitted application, premium payment, verbal statement, or preliminary approval as confirmation that coverage is in force. You bear the risk of canceling or altering existing arrangements before receiving and reviewing written confirmation from the applicable Insurer.
24. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY AND ITS REPRESENTATIVES, CONTRACTORS, SERVICE PROVIDERS, LICENSORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES; LOSS OF PROFITS, REVENUE, INCOME, BUSINESS, OPPORTUNITY, GOODWILL, USE, DATA, COVERAGE, OR ANTICIPATED SAVINGS; COST OF SUBSTITUTE SERVICES; OR DAMAGES ARISING FROM DELAY, INTERRUPTION, RELIANCE, CYBER INCIDENT, OR THIRD-PARTY CONDUCT, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SITES, CONTENT, FREE CONTENT, SERVICES, COMMUNICATIONS, OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED UNITED STATES DOLLARS; OR (B) THE AMOUNT YOU ACTUALLY PAID DIRECTLY TO THE COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY.
The limitations apply to claims based on contract, warranty, statute, regulation, tort, negligence, strict liability, misrepresentation, restitution, or any other theory and apply even if a limited remedy fails of its essential purpose.
The Company is not liable for an Insurer’s underwriting, rating, issuance, administration, financial condition, policy performance, claim determination, payment, or failure to perform; a third party’s acts or omissions; information you provide inaccurately or incompletely; or your failure to read or comply with policy documents.
Nothing in these Terms excludes or limits liability for fraud, willful misconduct, gross negligence, personal injury or property damage to the extent caused by liability that cannot lawfully be disclaimed, or any statutory right or remedy that applicable law prohibits the parties from waiving. Nothing limits an Insurer’s obligations under an issued policy.
The exclusions and cap are an essential allocation of risk and apply to the fullest extent permitted even if the Company was advised that loss was possible.
25. INDEMNIFICATION
To the fullest extent permitted by law, you shall defend, indemnify, and hold harmless the Company and its representatives, contractors, service providers, licensors, successors, and assigns from and against third-party claims, demands, investigations, proceedings, liabilities, judgments, settlements, damages, losses, penalties, fines, costs, and reasonable attorneys’ fees arising out of or relating to:
your breach of these Terms;
your unlawful, unauthorized, negligent, fraudulent, or improper use of the Sites, Content, or Services;
information or material you submit, including an allegation that it is false, incomplete, infringing, defamatory, or submitted without authority;
your violation of law, regulation, contract, or third-party rights;
your reproduction, distribution, commercial exploitation, or misuse of Content; or
conduct by a person who accesses the Services through your device, account, link, or credentials when you failed to use reasonable safeguards.
The Company may control the defense and settlement of an indemnified matter with counsel of its choosing. You shall provide reasonable cooperation. The Company will not settle a claim in a manner that imposes a personal admission of wrongdoing or nonmonetary obligation on you without your consent, which shall not be unreasonably withheld.
No indemnification obligation applies to the extent a final decision determines that the loss was caused by the Company’s fraud, willful misconduct, or other liability that cannot lawfully be indemnified.
26. INFORMAL DISPUTE RESOLUTION
Before initiating arbitration or a court proceeding, a party shall send the other a written Notice of Dispute describing the claimant’s name and contact information, the facts and legal basis of the dispute, the requested relief, and supporting documents reasonably necessary to evaluate the matter.
A Notice to the Company must be emailed to [email protected] with the subject line “Notice of Dispute.” The Company may send a Notice to the most recent email or mailing address you provided.
The parties shall attempt in good faith to resolve the dispute for at least thirty days after receipt of a complete Notice. Any limitations period shall be tolled during that thirty-day period to the extent permitted by law.
This Section does not prevent either party from seeking temporary or emergency relief necessary to prevent imminent harm, preserve the status quo, protect intellectual property or security, or meet a filing deadline. It does not require informal resolution before a qualifying individual small-claims action or a report to a governmental agency.
27. BINDING INDIVIDUAL ARBITRATION AGREEMENT
Agreement to Arbitrate. Except for matters expressly excluded below, you and the Company agree that every dispute, claim, or controversy arising out of or relating to these Terms, the Sites, Content, Free Content, Services, Communications, marketing consent, privacy practices, consultations, insurance solicitation or application assistance, or the relationship between you and the Company shall be resolved by final and binding individual arbitration rather than in court.
Covered Claims. This agreement applies to claims based on contract, tort, negligence, fraud, misrepresentation, statute, regulation, equity, or any other legal theory; claims arising before or after acceptance of these Terms; and claims concerning telephone calls, text messages, emails, advertisements, lead generation, or alleged reliance on Content. It applies only to disputes involving you and the Company and does not alter a separate dispute provision in an Insurance Product between you and an Insurer.
Governing Arbitration Law. The arbitration agreement is governed by the Federal Arbitration Act, including 9 U.S.C. § 2. If the Federal Arbitration Act is held not to govern a particular matter, the Washington Uniform Arbitration Act, chapter 7.04A RCW, including RCW 7.04A.060, governs to the extent applicable.
Administrator and Rules. Arbitration shall be administered by the American Arbitration Association (“AAA”) under its then-current Consumer Arbitration Rules and Mediation Procedures, as modified by these Terms. If those rules conflict with these Terms, these Terms control unless applying them would render the arbitration fundamentally unfair or violate nonwaivable law.
Initiation. After completing Section 26, a party may initiate arbitration by filing a demand with AAA and serving the other party as required by the applicable rules. The demand must identify the specific claimant, factual and legal basis of each claim, requested relief, and a good-faith calculation of claimed damages.
Arbitrator and Authority. One neutral arbitrator shall decide the merits and may award any individual remedy a court could award under applicable law, including statutory damages, injunctive relief benefiting the individual claimant, and attorneys’ fees where authorized. A court of competent jurisdiction shall decide disputes concerning whether an arbitration agreement was formed, whether a party validly opted out, and whether the class action waiver is enforceable. The arbitrator shall decide other issues concerning interpretation, applicability, and scope, subject to applicable law.
Location and Manner. The legal seat and designated arbitration location shall be Longview, Washington, in Cowlitz County. At your election, and subject to AAA rules and applicable law, a consumer hearing may occur by telephone, videoconference, document submission, at a reasonably convenient location, or at another location required to preserve a nonwaivable consumer right.
Fees. Filing, administration, and arbitrator fees shall be allocated under the AAA Consumer Arbitration Rules and applicable law. The Company will pay fees it is required to pay for the arbitration agreement to be enforceable. Each party shall bear its own attorneys’ fees and costs unless the arbitrator awards them under applicable law or determines that a claim or defense was asserted in bad faith under the standards applicable to the proceeding.
Individual Relief Only. The arbitrator may grant relief only to the individual party seeking relief and only to the extent necessary to resolve that party’s individual claim. The arbitrator may not preside over a class, collective, representative, private-attorney-general, or consolidated proceeding except to the extent nonwaivable law requires otherwise.
Written Award and Judgment. The arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions. Judgment on the award may be entered in any court having jurisdiction. Judicial review is limited as provided by applicable arbitration law.
Excluded Matters. Either party may bring an individual claim within the jurisdiction of a small-claims court, provided it remains individual and is not removed, transferred, or appealed to a court of general jurisdiction. Either party may seek temporary or emergency injunctive relief in court to prevent unauthorized access, misuse of systems, infringement or misappropriation of intellectual property, or imminent irreparable harm, without waiving arbitration of the merits. Nothing restricts a party from reporting conduct to or seeking relief from a governmental agency where permitted by law.
Confidentiality. To the extent permitted by law, nonpublic arbitration submissions and proceedings shall be treated as confidential, except as reasonably necessary to conduct the proceeding, enforce or challenge an award, obtain professional advice, comply with law, or communicate with a regulator or law-enforcement authority. This provision does not prohibit truthful discussion of facts a party lawfully possesses independently of the arbitration.
Opt-Out Right. You may opt out of this arbitration agreement by emailing [email protected] within thirty days after first accepting these Terms. The email must use the subject line “Arbitration Opt-Out,” identify your full name, email address, telephone number, and date of acceptance, and state clearly that you reject the arbitration agreement in Section 27. Opting out of arbitration does not opt you out of the remaining Terms or marketing Communications. A timely, valid opt-out applies only to the person who submitted it and does not affect any prior arbitration agreement.
Alternative Administrator. If AAA is unavailable or unwilling to administer a dispute for reasons unrelated to a party’s failure to comply with applicable consumer-arbitration requirements, the parties shall attempt to agree on another nationally recognized administrator. If they cannot agree, a court may appoint an arbitrator or administrator as authorized by law.
Survival. This arbitration agreement survives termination of these Terms, completion of Services, withdrawal of communications consent, and the end of the parties’ relationship.
28. WAIVER OF JURY TRIAL
TO THE FULLEST EXTENT PERMITTED BY LAW, IF A DISPUTE PROCEEDS IN COURT FOR ANY REASON, YOU AND THE COMPANY KNOWINGLY, VOLUNTARILY, INTENTIONALLY, AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY JURY. THIS WAIVER APPLIES TO ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE SITES, CONTENT, SERVICES, COMMUNICATIONS, INSURANCE-RELATED INTERACTIONS, OR THE RELATIONSHIP BETWEEN THE PARTIES.
29. CLASS, COLLECTIVE, AND REPRESENTATIVE ACTION WAIVER
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLAIMANT, RELATOR, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, MASS, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL PROCEEDING.
Unless all affected parties expressly agree in writing after a dispute arises, no arbitrator or court may consolidate the claims of more than one person or otherwise preside over a representative proceeding.
If a final, nonappealable decision determines that this waiver is unenforceable as to a particular claim or request for relief, only that claim or request shall proceed in court after all arbitrable claims are completed, unless applicable law requires a different sequence. The waiver remains enforceable as to all other claims and relief.
30. GOVERNING LAW AND EXCLUSIVE VENUE
These Terms and all disputes not governed exclusively by federal law shall be governed by the laws of the State of Washington, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs Section 27 where applicable.
Subject to Sections 26 through 29, any court proceeding shall be brought exclusively in the state courts located in Cowlitz County, Washington, or the United States District Court having jurisdiction over Longview, Washington. Each party consents to personal jurisdiction and venue in those courts.
If applicable consumer law grants you a nonwaivable right to invoke the law or courts of another jurisdiction, this Section does not waive that right, and the remaining provisions shall be enforced to the fullest extent permitted.
31. MODIFICATION OF TERMS
The Company may modify these Terms prospectively by posting an updated version and changing the “Last Updated” date. Where required by law or when changes are material, the Company may provide additional notice or request renewed assent.
The revised Terms become effective on the date stated in the updated version or upon your subsequent assent, as applicable. Continued use after legally sufficient notice constitutes acceptance to the extent permitted by law.
A modification to Sections 27 through 29 will not apply to a dispute of which the Company had actual written notice before the modification became effective unless you separately agree.
No employee, agent, or representative may modify these Terms orally. A transaction-specific modification must be in a writing signed or electronically accepted by the party against whom enforcement is sought.
32. SUSPENSION AND TERMINATION
The Company may suspend or terminate access to a Site, Content, or Service for violation of these Terms, suspected fraud, security risk, unlawful conduct, nonpayment, operational reasons, or any other lawful reason.
You may stop using the Services at any time. Stopping use does not cancel an Insurance Product, payment obligation, pending application, communications preference, or other agreement. You must use the applicable procedure for each.
Provisions that by their nature should survive shall survive termination, including Sections concerning intellectual property, payments and refunds, disclaimers, assumption of risk, limitation of liability, indemnification, disputes, governing law, and general contractual terms.
33. FORCE MAJEURE
The Company shall not be liable for delay or failure caused by events beyond its reasonable control, including natural disasters, severe weather, fire, epidemic, war, terrorism, civil unrest, labor dispute, power or telecommunications failure, cyberattack, governmental action, legal or regulatory change, carrier or Insurer action, vendor failure, Internet interruption, or failure of a third-party platform. This Section does not excuse payment obligations already due or any obligation that applicable law prohibits the parties from excusing.
34. ASSIGNMENT
You may not assign or transfer these Terms or any right or obligation under them without the Company’s prior written consent. Any attempted assignment in violation of this Section is void to the extent permitted by law.
The Company may assign these Terms in connection with a sale, transfer, reorganization, succession, or transfer of substantially all relevant business assets, or to an affiliate or successor, provided that the assignment does not eliminate nonwaivable consumer rights.
35. INDEPENDENT PARTIES; NO THIRD-PARTY BENEFICIARIES
Nothing in these Terms creates a partnership, joint venture, employment relationship, franchise, fiduciary relationship, or agency between you and the Company.
Except for persons expressly included in the protections, releases, indemnities, or limitations of liability stated in these Terms, there are no third-party beneficiaries. An Insurer is not a party to these Terms solely because its product is discussed or offered.
36. SEVERABILITY AND REFORMATION
Except as specifically provided in Section 29, if any provision is found invalid, illegal, or unenforceable, it shall be enforced to the maximum extent permitted and, where lawful, reformed to approximate its intended effect. The remaining provisions remain in full force.
If reformation is not permitted, the invalid portion shall be severed without affecting the validity of the remainder. No severance shall expand an arbitrator’s authority to conduct class or representative proceedings beyond what applicable law requires.
37. WAIVER; REMEDIES; INTERPRETATION
A failure or delay in exercising a right does not waive it. A waiver is effective only if in writing and applies only to the specific instance stated.
Rights and remedies are cumulative unless expressly stated otherwise. Headings are for convenience and do not limit meaning. “Including” means “including without limitation.” The singular includes the plural and vice versa as context requires.
These Terms shall be interpreted fairly according to their ordinary meaning and not strictly against either party as drafter. Electronic copies and counterparts are treated as originals.
38. ENTIRE AGREEMENT; ORDER OF PRECEDENCE
These Terms, together with any separately applicable Privacy Policy, checkout terms, signed service agreement, communication-consent disclosure, application authorization, and transaction-specific terms, constitute the entire agreement between you and the Company concerning their subject matter and supersede prior or contemporaneous communications on that subject.
In the event of a conflict, the following order controls for the subject of the conflict: (a) applicable nonwaivable law; (b) an issued Insurance Product and Insurer-mandated documents for matters concerning coverage; (c) a signed transaction-specific agreement; (d) a specific checkout or offer term; (e) a separate communications-consent disclosure for the scope of that consent; and (f) these Terms.
No advertisement, sales statement, email, social-media post, free resource, or oral communication modifies an issued Insurance Product or these Terms unless incorporated into a signed written agreement by a person authorized to make that modification.
39. NOTICES
Legal notices to the Company must be sent to [email protected] and must clearly identify the sender, the nature of the notice, and the requested action. A Notice of Dispute must comply with Section 26. An arbitration opt-out must comply with Section 27.13.
The Company may provide notices to you through the Site, the email address or telephone number you supplied, an account interface, or another method reasonably calculated to provide notice.
You are responsible for keeping your contact information current. Notice is effective when sent or posted, except where applicable law requires actual receipt or another method.
40. CONTACT INFORMATION
Christopher Linscome
Doing Business As Anchor & Oak Financial Group
Email:[email protected]
Governing Law:Washington
Arbitration Location:Longview, Washington