Terms and Conditions

Effective Date: 6/30/2025

Welcome to the website of Heather Alarcon Agency. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our site, you agree to be bound by these Terms.

1. Use of Website

You agree to use this website for lawful purposes only. You must not:

Misuse or interfere with the website

Attempt to access data not intended for you

Use our website to distribute spam or malware

2. No Guarantees

Quotes provided through this website are not guaranteed and are subject to carrier underwriting and approval. Final pricing and eligibility may vary based on individual circumstances.

3. Intellectual Property

All content on this website, including text, logos, graphics, and layout, is owned by Althera Financial Group and may not be copied or reused without permission.

4. Limitation of Liability

We are not liable for:

Inaccuracies or errors on the website

Any damage or loss resulting from your use of the site

Third-party websites linked from our site

5. Third-Party Links

Our site may contain links to external websites. We are not responsible for their content or privacy practices.

6. SMS Communications

By providing your phone number, you consent to receive SMS messages as outlined in our Privacy Policy. Message and data rates may apply. You can opt out anytime by replying STOP.

7. Modifications

We may update these Terms from time to time. Continued use of our site means you accept the revised Terms.