Terms of Service

Last Updated: 09/12/2026

1. About Fit Financial

Fit Financial (“Fit Financial,” “we,” “us,” or “our”) is a trade name used by a sole proprietor based in Jefferson City, Missouri, providing life insurance products and related services.

These Terms of Service govern your use of our website, online inquiry and scheduling forms, and text messaging program.

Our Privacy Policy explains how we collect, use, and protect your personal information. Agreeing to these Terms or using our website does not, by itself, provide consent to receive text messages or automated marketing calls.

2. Eligibility and Information Accuracy

You must be at least 18 years old to use our online inquiry and scheduling forms or enroll in our SMS program.

You agree to provide accurate and current information. If you enroll in our SMS program, you confirm that you are the subscriber or authorized user of the telephone number provided and are authorized to consent to receive messages at that number.

Please notify us if your contact information changes.

3. Scope of Insurance Services

Insurance products and recommendations are offered only through appropriately licensed and, where required, appointed insurance professionals, and only in states where they are authorized to conduct business.

Product availability and eligibility vary by state, insurance carrier, and individual circumstances.

Information relating to investments, securities, taxes, accounting, or law is provided for general educational purposes only and does not constitute individualized investment, tax, accounting, or legal advice. Fit Financial does not provide services as a registered investment adviser, broker-dealer, CPA firm, or law firm. Consult an appropriately qualified professional for those services.

4. Compensation and Insurance Disclosures

Fit Financial and its representatives may receive commissions, renewals, bonuses, or other compensation from insurance carriers in connection with insurance products you purchase.

Submitting an inquiry or scheduling a consultation does not constitute an insurance application, bind insurance coverage, or obligate an insurer to issue a policy.

Coverage becomes effective only according to the insurer’s applicable requirements and the terms of any policy or authorized coverage agreement. Quotes, consultations, and text messages do not independently establish or modify coverage.

Insurance coverage is subject to applicable underwriting, carrier approval, and policy terms, conditions, limitations, and exclusions.

Quotes and illustrations may include both guaranteed and non-guaranteed elements, as identified in the applicable documents. Non-guaranteed projections are not promises of future performance. We do not guarantee approval, premium amounts, savings, or specific financial outcomes.

5. Fit Financial SMS Program

Program description and message types

The Fit Financial SMS Program provides informational text messages to individuals who affirmatively opt in.

Messages may include:

Confirmations for requested life insurance consultations.

Appointment reminders.

Scheduling changes and rescheduling assistance.

Responses to customer-initiated questions.

Requested information and updates about services you have asked us to provide.

This SMS program does not send promotional offers or automated marketing messages.

How you opt in

You may enroll through our website form by voluntarily selecting a separate, optional SMS consent checkbox that is not preselected.

Providing your telephone number, submitting a form, accepting these Terms, or scheduling a consultation does not by itself enroll you in the SMS program.

SMS consent is not a condition of purchasing any product or service. You may submit an inquiry or schedule a consultation without consenting to text messages.

Message frequency

Message frequency varies based on your appointments, service requests, and interactions with Fit Financial.

Message and data rates

Message and data rates may apply. Your mobile carrier may charge fees according to your plan. Contact your carrier with questions about your messaging or data charges.

How to opt out

Text STOP in reply to any message from Fit Financial to unsubscribe from the SMS program.

After you text STOP, we may send one confirmation message acknowledging your opt-out request. You will receive no further messages through this SMS program unless you provide new consent.

You may also request removal by emailing [email protected] or calling 314-399-9086.

Help and customer support

Text HELP in reply to any message for assistance. You may also contact Fit Financial directly:

Email: [email protected]

Phone: 314-399-9086

Carrier liability disclaimer

Carriers are not liable for delayed or undelivered messages.

Message delivery is subject to mobile carrier network availability and other factors outside our control. Text messaging should not be relied upon for emergencies or time-sensitive requests to establish, change, or cancel insurance coverage.

Telephone number changes

If you change or relinquish your telephone number, please notify us or opt out before doing so to help prevent messages from being sent to a new user of that number.

6. Telephone and Email Communications

We may respond to your inquiries by telephone or email as appropriate to your request and permitted by law.

SMS consent does not automatically constitute consent to prerecorded or artificial-voice marketing calls. We obtain separate consent where required by applicable law.

You may unsubscribe from marketing emails through the unsubscribe link in those emails or by contacting us. We may continue to send nonmarketing emails necessary to respond to your requests or provide requested services.

7. Privacy and SMS Data Protection

Your information is handled according to our Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

SMS opt-in data and consent will not be sold, rented, or transferred to other businesses for their own messaging programs. We may disclose this information to providers necessary to operate and deliver our messaging services, or as required by law, as described in our Privacy Policy.

When you request assistance with insurance coverage, necessary application or service information may be shared with the relevant insurance carrier or authorized service providers. This does not transfer your Fit Financial SMS consent to those parties.

8. Responsible Use and Security

You agree not to misuse our website, submit fraudulent information, attempt unauthorized access, or interfere with our services.

Do not submit Social Security numbers, full financial account numbers, passwords, or detailed medical information through general website forms, ordinary email, or text messages. Contact us for an appropriate secure process if sensitive information is needed.

9. Service Availability and Legal Rights

We take reasonable steps to maintain our website and communication services, but we do not guarantee uninterrupted or error-free operation.

Nothing in these Terms excludes or limits any obligation, consumer protection, or liability that cannot lawfully be excluded or limited, including duties under applicable insurance laws.

10. Changes to These Terms

We may update these Terms periodically. Updated Terms will be posted on this page with a revised “Last Updated” date.

We will provide additional notice or obtain consent when required by applicable law. Changes to these Terms do not, by themselves, establish or expand your SMS consent.

11. Contact Us

Fit Financial
Jefferson City, Missouri
Email: [email protected]
Phone: 314-399-9086
Website: https://www.fit-financial.com