Terms & Conditions

Effective Date: March 1, 2025 | Last Updated: March 25, 2026

Welcome to maxoutinsurance.com, owned and operated by Maxout Insurance Partners ("Company," "we," "our," or "us").

By accessing or using this website, submitting any form, or communicating with us via phone, text, or email, you agree to be bound by these Terms and Conditions, including the call recording terms in Section 2 below when you speak with us by phone. If you do not agree, please discontinue use of this website immediately.

1. SMS Text Messaging — Terms & Program Description

SMS Program: Maxout Insurance Partners — Insurance & Financial Planning Communications

By opting in to receive SMS messages from Maxout Insurance Partners, you agree to the following SMS terms.

Program Description: We send transactional and relationship SMS messages related to:

• Appointment reminders and consultation confirmations
• Follow-up communications related to your inquiry
• Life insurance quotes (term life, final expense, IUL, annuities)
• Call summaries after consultations
• Policy updates and educational content
• Retirement planning resources and seminar information
• Insurance and financial planning services (IUL, annuities, Social Security optimization)

Call to Action — How We Obtain Your Consent

Consent: You will only receive SMS messages if you provide explicit written consent through our website forms. Consent is obtained via a clearly labeled, unchecked checkbox on our forms. You must actively check the box and submit the form to opt in. The consent checkbox appears on the following pages:

• Contact Page — https://maxoutinsurance.com/contact
• Booking Page — https://maxoutinsurance.com/book/braven-ramirez

The consent language displayed at each checkbox reads: "By checking this box and submitting this form, you consent to receive SMS text messages from Maxout Insurance at the phone number provided, including messages sent by autodialer. These messages may include appointment reminders, follow-ups, life insurance quotes (term life, final expense, IUL, annuities), and call summaries. Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. Reply STOP to cancel at any time. Reply HELP for help."

Consent is not a condition of purchase. The checkbox is not pre-checked. Users must take affirmative action to opt in.

Message Frequency: Message frequency varies based on your interaction with us. You may receive up to 5 messages per month.

To Opt Out: Reply STOP at any time to cancel all SMS messages from us. After texting STOP, you will receive one final confirmation message. No further messages will be sent unless you re-opt in.

For Help: Reply HELP for assistance, or contact us at:

• Email: [email protected]
• Phone: (949) 272-9172

Message & Data Rates: Message and data rates may apply. Check with your mobile carrier for details.

Carrier Liability: Carriers are not liable for delayed or undelivered messages.

Supported Carriers: Compatible with all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. T-Mobile is not liable for delayed or undelivered messages.

Privacy: Your mobile information and SMS opt-in consent will not be shared with or sold to any third parties for marketing or promotional purposes. SMS consent data is used solely by Maxout Insurance Partners for the purposes described above. See our Privacy Policy for full details.

2. Telephone Calls, Monitoring & Recording

Clients and prospective clients: When you place or receive a telephone call with Maxout Insurance Partners, the call may be monitored or recorded for quality control, training, security, regulatory compliance, and to document the substance of our conversations fairly for both parties. By continuing a call after clear notice that recording may occur (for example, a recorded line disclosure or live agent notice), or as otherwise permitted by applicable law, you acknowledge and agree to such monitoring and recording to the extent the law allows.

Where the law in your jurisdiction requires specific consent beyond a general notice, we will seek that consent in a manner consistent with those requirements. If you have questions or concerns about recording, contact us using the information in Section 11.

Authorized users of Company software (CRM, dialer, and related tools): If you access our systems on behalf of the Company, you agree to (a) comply with all federal and state laws governing interception, monitoring, and recording of communications; (b) provide any legally required disclosure to consumers and other parties before recording or monitoring; and (c) obtain and document consent where the law requires it. You understand that you may be personally responsible for unlawful recording or failure to give required notice, and that the Company may suspend access, terminate use, or take other appropriate action for violations.

Recordings may be retained in accordance with our Privacy Policy and legitimate business, legal, and regulatory needs. These terms do not replace advice from a licensed attorney about recording rules in your state or use case.

3. Use of This Website

This website is provided for informational purposes only. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not: transmit any harmful, offensive, or disruptive content; attempt to gain unauthorized access to any part of the website or its systems; use the site for any fraudulent or unlawful purpose; or copy, reproduce, or republish any content without written permission.

4. No Financial, Legal, or Tax Advice

The content on this website is for informational and educational purposes only. Nothing on this website constitutes financial, legal, tax, or investment advice. All insurance and financial products discussed are subject to individual eligibility, underwriting approval, and state regulations. You should consult a qualified professional before making any financial decisions.

Our licensed insurance professionals serve clients in California and multiple other states. Life insurance and annuity products are not FDIC insured, not bank guaranteed, and may lose value. All guarantees are subject to the claims-paying ability of the issuing insurance company.

5. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Maxout Insurance Partners or its content suppliers and is protected by applicable intellectual property laws. You may not use, reproduce, or distribute any content without our prior written consent.

6. Disclaimer of Warranties

This website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, Maxout Insurance Partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of this website or reliance on any information provided herein.

8. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Governing Law

These Terms and Conditions are governed by the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in California.

10. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. We will notify you of material changes by updating the "Last Updated" date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the updated terms.

11. Contact Us

If you have questions about these Terms and Conditions, please contact us: