Terms & Conditions

These Terms & Conditions ("Terms") govern your use of the Encore Financial Services LLC website and our communications, including our SMS text messaging program. By using our website or opting in to our messages, you agree to these Terms.

1. SMS messaging program

Program description

When you opt in through a form on our website or by texting us, you may receive text messages from Encore Financial Services LLC about your insurance inquiry, consultation scheduling, appointment reminders, policy and account updates, and customer care. If you separately opt in to marketing messages, you may also receive insurance offers and promotional updates.

Message frequency

Message frequency varies based on your inquiry and interaction with us.

Eligibility

You must be at least 18 years old to use this website, submit our forms or enroll in our SMS program. By opting in, you confirm that you are 18 or older and the account holder or authorized user of the mobile number provided.

Costs

Message and data rates may apply. Check your mobile plan for details.

How to opt out

You can cancel the SMS service at any time. Text STOP to the number that messaged you. After you send STOP, we will send one final message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. To join again, sign up the same way you did the first time, or text START.

Help

If you have trouble with the messaging program, reply with HELP for more assistance, or contact us directly at (502) 767-5906 or [email protected].

Carrier liability

Carriers are not liable for delayed or undelivered messages.

Consent

Consent to receive text messages is not a condition of purchasing any product or service. Your mobile information will not be sold or shared with third parties or affiliates for marketing or promotional purposes.

Privacy

For privacy questions, please read our Privacy Policy.

2. Use of this website

The information on this website is for general information only. It is not a guarantee of coverage, a binding quote, or legal, tax or financial advice. Coverage, rates and eligibility are determined by the insurance carrier and depend on your individual situation.

3. Insurance products

Insurance products are offered through licensed agents of Encore Financial Services LLC. Not all products are available in all states. Policy benefits, exclusions and limitations are described in the policy documents issued by the carrier.

Encore Financial Services LLC is not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

4. Phone calls and emails

By submitting a form on our website, you agree that Encore Financial Services LLC may contact you by phone and email at the information you provided about your inquiry. You may ask us to stop contacting you at any time.

5. Intellectual property

All content on this website, including text, logos and images, belongs to Encore Financial Services LLC or its licensors and may not be copied without permission.

6. Limitation of liability

To the fullest extent allowed by law, Encore Financial Services LLC is not liable for any indirect or consequential damages arising from your use of this website or our messaging program.

7. Changes

We may update these Terms from time to time. Changes take effect when posted on this page.

8. Governing law

These Terms are governed by the laws of the Commonwealth of Kentucky.

9. Contact us

Encore Financial Services LLC
218 East Oak Street, Suite 204, Louisville, KY 40203
Phone: (502) 767-5906
Email: [email protected]