Terms & Conditions

Terms & Conditions Effective Date: July 28, 2026 Terms & Conditions Welcome to the Oakstone Protection website ("Website"). These Terms & Conditions ("Terms") govern your access to and use of this Website. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use this Website.  About Oakstone Protection Oakstone Protection is an independent life and health insurance agency. We work with multiple insurance carriers to help individuals and families evaluate insurance options that may meet their needs. Products may include, but are not limited to: Final Expense Insurance Mortgage Protection Insurance Term Life Insurance Whole Life Insurance Universal Life Insurance Indexed Universal Life (IUL) Living Benefits Other insurance products offered through our carrier partners Availability of products varies by state, underwriting guidelines, and carrier requirements.  No Professional Advice The information provided on this Website is intended for general informational purposes only and should not be considered legal, tax, financial, or medical advice. Insurance recommendations are based on the information you provide and are subject to underwriting approval by the insurance carrier.  No Guarantee of Coverage Submitting a quote request, application, or contact form does not guarantee: Insurance approval Coverage Premium rates Policy issuance All insurance applications are subject to carrier underwriting guidelines.  Accuracy of Information You agree to provide complete, accurate, and truthful information when submitting any form through this Website. Providing inaccurate or misleading information may affect your eligibility for insurance products.  Intellectual Property All content on this Website, including text, graphics, logos, branding, designs, images, and other materials, is the property of Oakstone Protection unless otherwise stated. You may not reproduce, distribute, copy, or modify any content without prior written permission.  Website Availability We strive to keep this Website available and functioning properly; however, we do not guarantee uninterrupted or error-free access. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.  Third-Party Websites Our Website may contain links to third-party websites, including insurance carriers and service providers. Oakstone Protection is not responsible for the content, security, or privacy practices of third-party websites.  Limitation of Liability To the fullest extent permitted by law, Oakstone Protection shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this Website or reliance on information provided through the Website. Your use of this Website is at your own risk.  Privacy Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.  Electronic Communications By submitting your information through this Website, you consent to receive communications from Oakstone Protection regarding your inquiry, requested services, insurance quotes, policy information, or customer support. Communications may be sent via: Telephone Email SMS text messaging Voicemail You may opt out of marketing communications at any time, although we may continue to contact you regarding active requests, applications, or policies as permitted by law.  SMS Terms & Conditions By providing your mobile phone number and opting in, you agree to receive SMS text messages from Oakstone Protection. Messages may include: Insurance quote follow-ups Appointment reminders Policy updates Customer support messages Requested insurance information Message frequency varies based on your interaction with us. Message and data rates may apply. You may opt out of receiving SMS messages at any time by replying STOP. For assistance, reply HELP or contact us directly. Your consent to receive SMS messages is not required to purchase any insurance product or service. SMS consent is not shared with third parties or affiliates for their own marketing purposes.  User Responsibilities You agree not to: Use the Website for unlawful purposes. Attempt to gain unauthorized access to our systems. Introduce malware, viruses, or malicious code. Interfere with the operation or security of the Website. Submit fraudulent information.  Governing Law These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of South Carolina, without regard to its conflict of law principles.  Changes to These Terms Oakstone Protection may update these Terms & Conditions from time to time. Any changes will become effective upon posting the updated version on this Website with a revised Effective Date.  Contact Information If you have questions regarding these Terms & Conditions, please contact us. Oakstone Protection Email: quotes@oakstoneprotection.com Website: https://www.oakstoneprotection.com Business Hours: Monday–Friday, 9:00 AM–6:00 PM Eastern Time  Acknowledgment By using this Website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions.