Terms and Conditions

Effective Date: 1 January 2026

These Terms and Conditions (“Terms”) govern your use of the website crossroadsinsurancegrp.com (the “Site”) and participation in any SMS/MMS messaging programs operated by Crossroads Insurance Group (“Crossroads Insurance Group,” “we,” “us,” or “our”). By accessing the Site or opting in to communications, you agree to these Terms.

1. Services

Crossroads Insurance Group provides financial education, advisory-related services, and related information. Information provided through the Site or communications is for informational purposes only and does not constitute legal, tax, or investment advice unless explicitly stated in a formal agreement.

2. Website Use

You agree to use the Site for lawful purposes only and not to:

  • Violate any applicable laws or regulations

  • Interfere with the Site’s operation or security

  • Attempt unauthorized access to systems or data

We reserve the right to suspend or terminate access for violations.

3. No Guarantee of Results

Any examples, projections, or discussions of potential outcomes are illustrative only and do not guarantee results. Financial outcomes vary based on individual circumstances.

4. SMS / MMS Messaging Terms

4.1 Program Description
If you opt in, Crossroads Insurance Group may send SMS/MMS messages including:

  • Appointment confirmations and reminders — e.g. “Hi [First Name], this is a reminder of your consultation with Crossroads Insurance Group on [Date] at [Time]. Reply STOP to opt out.”

  • Responses to inquiries — e.g. “Hi [First Name], thank you for reaching out to Crossroads Insurance Group. An agent will follow up with you shortly. Reply STOP to opt out.”

  • Informational content — e.g. “Hi [First Name], did you know that mortgage protection insurance can cover your family’s home payments if the unexpected happens? Learn more: [URL]. Reply STOP to opt out.”

  • Marketing or promotional messages (only with separate consent) — e.g. “Hi [First Name], Crossroads Insurance Group has new coverage options that may be a great fit for you. Interested in a free quote? Reply YES or call us at [Phone]. Reply STOP to opt out.”

4.2 Consent
Customer Care Consent: By providing your mobile number and opting in, you consent to receive SMS/text messages from Crossroads Insurance Group at the number provided. Consent is not a condition of purchase. Message & data rates may apply. Message frequency varies. Unsubscribe by replying STOP. Reply HELP for help or contact us at +1 931-416-3239 or email us at info@crossroadsinsurancegrp.com. Phone numbers aren’t shared with third parties.

Marketing Consent: You consent to receive marketing and promotional messages from Crossroads Insurance Group at the number provided. Consent is not a condition of purchase. Message & data rates may apply. Message frequency varies. Unsubscribe by replying STOP. Reply HELP for help or contact us at +1 931-416-3239 or email us at info@crossroadsinsurancegrp.com. Phone numbers aren’t shared with third parties.

4.3 Message Frequency and Fees
Message frequency may vary depending on your interaction with us (typically 1–2 messages per inquiry or appointment). Message and data rates may apply depending on your mobile carrier plan.

4.4 Opt-Out and Help
You may opt out at any time by replying STOP. For assistance, reply HELP or contact us directly. After opting out, you may receive one final confirmation message.

4.5 Mobile Information Use
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile information may be shared with service providers solely to deliver SMS/MMS messages on our behalf.

4.6 Eligibility
You must be at least 18 years old or have permission from the account holder to participate in SMS/MMS messaging.

4.7 Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.

5. Intellectual Property

All content on the Site, including text, logos, graphics, and materials, is owned by or licensed to Crossroads Insurance Group and may not be copied, reproduced, or distributed without written permission.

6. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, availability, or practices of those websites.

7. Limitation of Liability

To the fullest extent permitted by law, Crossroads Insurance Group shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site or communications.

8. Indemnification

You agree to indemnify and hold harmless Crossroads Insurance Group from any claims arising out of your violation of these Terms or misuse of the Site or messaging services.

9. Governing Law

These Terms are governed by the laws of the United States and the state in which Crossroads Insurance Group is organized, without regard to conflict-of-law principles.

10. Changes to These Terms

We may update these Terms at any time. Updates will be posted on the Site with a revised “Last Updated” date.

11. Contact Information

Crossroads Insurance Group
Email: info@crossroadsinsurancegrp.com
Phone: (301) 901-7520