Terms of Service
Effective Date: 12/13/2025
Welcome to Anthony B. Smith, Strategic Risk Advisor. These Terms of Service ("Terms") govern your use of our website at anthonybsmith.co and our services. By accessing our website or using our services, you agree to be bound by these Terms.
1. Services
Anthony B. Smith, Strategic Risk Advisor, provides insurance advisory services, including:
- Life insurance consultation and policy recommendations
- Disability income insurance guidance
- Return of premium insurance products
- LegalShield legal service plans
- Financial protection strategy consultation
We are an independent insurance advisor and work with multiple insurance carriers to provide tailored solutions for our clients.
2. SMS/Text Messaging Terms
2.1 Program Description
By providing your mobile phone number and opting in to receive text messages, you consent to receive automated marketing and informational text messages from Anthony B. Smith, Strategic Risk Advisor. Messages may include:
- Appointment confirmations and reminders
- Insurance quotes and policy details
- Policy renewal notifications
- Educational content about insurance and financial protection
- Promotional offers and special updates
- Customer service communications
2.2 Consent and Opt-In
Consent is not a condition of purchase. You are not required to consent to receive text messages to purchase our services. By opting in, you expressly consent to receive recurring automated text messages at the phone number you provide.
2.3 Message Frequency
Message frequency varies based on your interaction with our services, the information you request, and active policy management. You may receive multiple messages per week during consultations or policy reviews.
2.4 Message and Data Rates
Standard message and data rates may apply based on your mobile carrier's plan. Please consult your wireless service provider for details about your messaging plan and any applicable charges.
2.5 Supported Carriers
Our text messaging service is available on major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most other carriers. Service may not be available on all carriers.
2.6 Opt-Out Instructions
You may opt out of receiving text messages at any time by:
- Replying STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message
- Calling us at (919) 215-0301
- Emailing us at info@anthonybsmith.co
Once you opt out, you will receive one final confirmation message confirming your unsubscription. You will not receive further messages unless you re-opt in.
2.7 Help and Support
For help with text messages, reply HELP to any message you receive or contact us:
- Phone: (919) 215-0301
- Email: info@anthonybsmith.co
2.8 Privacy
Your mobile phone number and text messaging consent data will not be shared with third parties for their marketing purposes. For complete information about how we collect, use, and protect your information, please review our Privacy Policy at [www.anthonybsmith.co/privacy-policy].
2.9 Carrier Liability
Mobile carriers are not liable for delayed or undelivered messages. We are not responsible for message delivery failures caused by your wireless carrier or any technical issues beyond our control.
3. Use of Website
3.1 Permitted Use
You may use our website to:
- Learn about our services
- Request insurance quotes
- Schedule consultations
- Access educational content
- Contact us with questions
3.2 Prohibited Use
You may not:
- Use our website for any illegal purpose
- Transmit viruses, malware, or other harmful code
- Attempt to gain unauthorized access to our systems
- Scrape or copy content without permission
- Impersonate another person or entity
4. Intellectual Property
All content on our website, including text, graphics, logos, and images, is the property of Anthony B. Smith, Strategic Risk Advisor, or its licensors and is protected by copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written permission.
5. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Your use of third-party websites is at your own risk.
6. Insurance Relationship
6.1 Advisory Relationship
We provide insurance advisory services and recommendations. We are not an insurance carrier. Insurance policies are issued by the insurance companies we represent, and your contractual relationship for coverage is directly with those carriers.
6.2 No Guarantee
We cannot guarantee that you will qualify for any specific insurance product or that any application will be approved. Insurance underwriting decisions are made by the insurance carriers based on their underwriting guidelines.
6.3 Professional Advice
The information provided on our website and in our communications is for general informational purposes only and does not constitute legal, financial, or insurance advice. You should consult with qualified professionals for advice specific to your situation.
7. Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that:
- Our website will be uninterrupted or error-free
- Defects will be corrected
- Our website is free from viruses or harmful components
- Information on our website is accurate, complete, or current
8. Limitation of Liability
To the maximum extent permitted by law, Anthony B. Smith Strategic Risk Advisor shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or use, arising out of or related to your use of our website or services, even if we have been advised of the possibility of such damages.
9. Indemnification
You agree to indemnify, defend, and hold harmless Anthony B. Smith, Strategic Risk Advisor, and its officers, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of your use of our website or services or your violation of these Terms.
10. Modification of Terms
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a new effective date. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.
11. Termination
We reserve the right to terminate or suspend your access to our website or services at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
12. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in North Carolina.
13. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Anthony B. Smith, Strategic Risk Advisor, regarding your use of our website and services.
15. Contact Information
If you have questions about these Terms of Service, please contact us:
Anthony B. Smith, Strategic Risk Advisor
Phone: (919) 215-0301
Email: info@anthonybsmith.co
Website: www.anthonybsmith.co
Last Updated: 12/3/2025