Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the website operated by Brian Dillon, an independent insurance broker located at 1916 Kenilworth Ave, Berwyn, IL 60402 ("we," "us," or "our"), as well as our text messaging (SMS/MMS) program. By using our website or signing up for our text messaging program, you agree to these Terms.

Use of Our Website

Our website is provided for informational purposes about insurance and retirement planning services. Nothing on this website constitutes a binding insurance contract, financial advice, or a guarantee of coverage or returns. Specific policy terms, rates, and eligibility are determined through direct consultation and the applicable insurance carrier's underwriting process.

SMS / Text Messaging Terms

By opting in to receive text messages from us, you agree to the following:

• Program description: Our text messaging program may include appointment reminders, policy-related follow-ups, account or service updates, and occasional promotional or educational messages about insurance and retirement planning services.
• Message frequency: Message frequency varies based on your interactions with us and the services you've requested.
• Cost: Message and data rates may apply. Check with your mobile carrier for details on your specific plan.
• Consent: Consent to receive text messages is not a condition of purchasing any product or service from us.
• Opt-out: You may opt out of text messages at any time by replying STOP to any message you receive from us. After opting out, you may receive one final message confirming your opt-out, and you will not receive further messages unless you opt back in.
• Help: For assistance, reply HELP to any message, or contact us using the information below.
• Supported carriers: Our messaging program is supported by most major U.S. mobile carriers. Carriers are not liable for delayed or undelivered messages.
• Privacy: Use of the text messaging program, and any information provided in connection with it, is also governed by our Privacy Policy.

No Guarantee of Outcomes

Insurance and retirement planning involve inherent uncertainty. Any examples, illustrations, or projections referenced on our website or in communications with us are for educational purposes only and do not guarantee future performance, coverage approval, or specific financial outcomes.

Limitation of Liability

To the fullest extent permitted by law, Brian Dillon is not liable for any indirect, incidental, or consequential damages arising from your use of this website or participation in our text messaging program.

Changes to These Terms

We may revise these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of our website or text messaging program after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law principles.

Contact Us

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