Terms and Conditions
Terms and Conditions
Effective Date: December 29, 2025
Welcome to Golden Ratio Insurance Group. By accessing or using our website at https://life.goldenratioinsurancegroup.com/home, you agree to the terms outlined below. If you do not agree with these terms, please do not use our services.
1. Use of Services
Golden Ratio Insurance Group provides insurance-related information, quote requests, and lead distribution services. By using this website, you confirm that the information you provide is accurate and that you are at least 18 years old.
You agree not to misuse the website, submit false information, or attempt to interfere with the normal operation of the platform.
2. No Guarantee of Coverage or Results
Submitting your information does not guarantee that you will receive an insurance policy or specific pricing. Insurance coverage is subject to eligibility, underwriting, and approval by licensed agents or carriers.
For agents, purchasing leads does not guarantee conversions, sales, or return on investment.
3. Lead Distribution and Agent Responsibility
Leads provided by Golden Ratio Insurance Group are based on prior consumer inquiries. These leads are intended for licensed insurance professionals only.
Agents are responsible for complying with all applicable laws and regulations when contacting consumers, including telemarketing, privacy, and consent requirements.
Leads are sold as exclusive at the time of purchase and are not intentionally resold.
4. Payments and Refunds
All purchases made by agents for lead packages or services are final unless otherwise stated. Refunds, if applicable, are handled on a case-by-case basis.
Golden Ratio Insurance Group reserves the right to modify pricing or service offerings at any time.
5. Communication and Consent
By submitting your information on our website, you agree to receive communications from Golden Ratio Insurance Group and its partners via phone, email, and SMS.
These communications may include responses to your inquiry, service updates, or related information.
Message frequency may vary. Message and data rates may apply.
You can opt out of SMS messages at any time by replying STOP. For assistance, reply HELP or contact us through the website.
We only contact individuals who have provided consent through our forms.
6. Intellectual Property
All content on this website, including text, branding, and materials, is the property of Golden Ratio Insurance Group and may not be copied, distributed, or used without permission.
7. Limitation of Liability
Golden Ratio Insurance Group is not responsible for any direct or indirect damages resulting from the use of this website or services.
We do not guarantee uninterrupted access or error-free operation of the website.
8. Third Party Services
We may use third party tools or services to support our operations. We are not responsible for the practices or policies of these external providers.
9. Termination
We reserve the right to restrict or terminate access to our services at any time if these terms are violated.
10. Changes to Terms
These Terms and Conditions may be updated at any time. Continued use of the website after changes are posted means you accept the updated terms.
11. Contact
If you have questions about these Terms and Conditions, please contact us through our website: https://life.goldenratioinsurancegroup.com/home