Effective Date: August 12, 2026
These Terms & Conditions govern your use of the Salt & Light Financial website, educational materials, forms, communications, and related services.
By using our website or submitting information through our website, you agree to these Terms & Conditions.
Information provided by Salt & Light Financial is intended for general educational purposes and does not constitute individualized legal, tax, accounting, securities, or investment advice.
Insurance products and strategies depend on individual circumstances, eligibility, underwriting, policy terms, product availability, and applicable law.
No specific outcome, return, tax result, or financial result is guaranteed.
Insurance products are offered only through appropriately licensed insurance professionals and insurance carriers.
Policy guarantees are subject to the terms of the applicable insurance contract and the claims-paying ability of the issuing insurance company.
Any policy illustration is hypothetical except for values specifically identified as guaranteed.
By voluntarily providing your mobile telephone number and expressly consenting to receive text messages from Salt & Light Financial, you agree that we may send SMS or MMS communications regarding:
Requested information
Educational materials
Appointment scheduling and reminders
Follow-up regarding your inquiry
Salt & Light Financial services, events, or educational opportunities
Message frequency varies. Message and data rates may apply.
Consent to receive marketing text messages is not a condition of purchasing any product or service.
Reply STOP to any SMS message to unsubscribe from future text messages.
After opting out, you may receive one final confirmation message.
Reply HELP for assistance or contact us at:
[SUPPORT EMAIL]
Wireless carriers are not responsible for delayed or undelivered messages.
If you subscribe to email communications, you may unsubscribe at any time using the unsubscribe link contained in applicable marketing emails.
We attempt to provide accurate and useful information, but financial laws, insurance products, tax rules, carrier practices, interest-crediting methods, and other information may change.
You should not rely solely on general website content when making a financial or insurance decision.
Examples, illustrations, case studies, hypothetical scenarios, or educational demonstrations are provided for explanatory purposes and do not guarantee future performance or results.
Individual results will vary.
Unless otherwise stated, website content, videos, graphics, educational materials, branding, and written materials are owned by or licensed to Salt & Light Financial and may not be reproduced or distributed without permission.
Our website may use or link to third-party platforms and service providers. Their services may be subject to their own terms and privacy policies.
Salt & Light Financial is not responsible for the operation of independent third-party websites or services.
To the fullest extent permitted by applicable law, Salt & Light Financial will not be liable for indirect, incidental, special, or consequential damages arising from the use of this website or reliance on general educational information provided through it.
Nothing in these Terms limits rights or remedies that cannot legally be limited.
Our collection and use of personal information is governed by our Privacy Policy:
https://saltandlightfinancial.net/privacy-policy
These Terms are governed by the laws of the State of Alabama, except where applicable federal law or another jurisdiction's mandatory law controls.
We may update these Terms periodically. Updated Terms will be posted on this page with a revised effective date.
Questions regarding these Terms may be directed to:
Salt & Light Financial
Florence, Alabama
[email protected]
https://saltandlightfinancial.net