Terms of Service

Effective Date: April 8, 2025

Welcome to www.timeinspros.com (the "Website"), operated by Time Financial Group LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our Website and services. By using this Website, you agree to be bound by these Terms. If you do not agree, please do not use our services.

1. Eligibility

Our services are intended for individuals who are 18 years or older. By using the Website, you represent and warrant that you meet this eligibility requirement.

2. Description of Services

Time Financial Group LLC provides services related to financial products, including insurance, lending, and healthcare-related solutions. Through our Website, users can:

Apply for services

Book consultation calls

Download digital guides and resources

3. User Conduct

You agree to use our Website only for lawful purposes. You may not:

Violate any applicable law or regulation

Infringe the intellectual property rights of others

Transmit harmful or malicious software

Misrepresent your identity

Post unauthorized reviews or false testimonials

4. SMS Communication & Consent

By providing your phone number, you consent to receive both transactional and promotional SMS messages from us.

Transactional Messages: These include reminders, confirmations, or service-related updates.

Promotional Messages: These include offers, new service announcements, or other marketing materials.

Consent is obtained via forms with two separate opt-in checkboxes. Phone numbers are not required to use our services. You can opt out at any time by replying "STOP" or "OUT." Message and data rates may apply. Message frequency varies.

5. Intellectual Property

All content on the Website, including text, graphics, logos, and downloadable materials, is the property of Time Financial Group LLC and is protected by copyright and trademark laws. You may not reproduce or distribute any content without our written permission.

6. Reviews and Testimonials

By submitting a review or testimonial, you grant us a non-exclusive, royalty-free, worldwide license to use, display, and publish your submission for marketing or informational purposes. You affirm that your submission is truthful and based on your actual experience.

7. Third-Party Services

We may use third-party providers to deliver certain services, such as email and SMS communications. These providers are contractually obligated to use your data only for the purposes of providing the agreed-upon services.

8. Disclaimer of Warranties

Our services are provided on an "as-is" and "as-available" basis. We do not guarantee that the Website will be error-free, uninterrupted, or secure. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose.

9. Limitation of Liability

To the extent permitted by applicable law, Time Financial Group LLC shall not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits or revenues, arising out of your use of the Website or services.

10. Governing Law

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

11. Dispute Resolution

All disputes arising from or relating to these Terms or your use of the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

12. Termination

We reserve the right to terminate or suspend your access to the Website at our sole discretion, without notice, for conduct that we believe violates these Terms or is otherwise harmful to us or other users.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Effective Date" at the top of this document. Continued use of the Website after such changes constitutes your acceptance of the updated Terms.

14. Contact Us

If you have any questions about these Terms, please contact us at: Time Financial Group LLC

11954 Narcoossee Road #271

Orlando, Florida 32832

Email: [email protected]

Thank you for choosing Time Financial Group LLC.