CheckmateFinancial Group
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CheckmateFinancial Group
Join as an Agent →Get a QuoteCall (833) 997-6934

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Legal

Terms of Service

Last updated: June 11, 2026

1. Acceptance & eligibility

These Terms of Service (“Terms”) apply to your access to and use of the websites, forms, tools, scheduling features, agent portal, and other products and services (collectively, our “Services”) provided by Checkmate Financial Group LLC (“Checkmate Financial Group,” “Checkmate,” “we,” “us,” or “our”). By accessing or using our Services, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not access or use our Services.

You must be at least 18 years old and able to form a binding contract to use our Services. If you use our Services on behalf of another person or entity, you represent that you are authorized to accept these Terms on their behalf.

2. Our services

Checkmate operates this website to provide educational information about life insurance, annuity, and related products, and to connect visitors with licensed insurance agents. Our content is for general information only and is not financial, legal, or tax advice. Using the site does not by itself create an agent-client or fiduciary relationship.

3. No insurance through this site

This site does not constitute an offer of insurance. No insurance is bound, issued, or sold through this website. Coverage is offered only through licensed agents and the issuing carriers, is subject to underwriting approval, and is governed by the terms of the actual policy issued. Product and carrier availability varies by state. Any premium figures, estimates, or illustrations shown on this site are examples for general information and are not quotes, offers, or guarantees of coverage or price.

4. Information you submit

You agree to provide accurate, current, and complete information in any form you submit and to update it if it changes. Inaccurate information may affect the options available to you and the accuracy of any guidance a licensed agent can provide. You agree not to submit information about another person unless you are authorized to do so.

When you submit a form that includes your phone number or email address, you are asking us to contact you about your request. You authorize Checkmate and its licensed agents to contact you at the number and email you provided, including by phone call, text message, and email, to respond to your inquiry, prepare your quote, schedule and confirm appointments, and service your policy. Calls and texts may be placed using automated technology. Consent to receive marketing calls or texts is not a condition of purchasing any property, goods, or services. Standard message and data rates may apply. Calls between you and Checkmate or its licensed agents may be monitored or recorded for quality assurance, training, and compliance purposes, with notice at the start of the call. You can revoke consent at any time, by any reasonable means, as described in our Privacy Policy and Do-Not-Call Policy.

6. Text messaging program terms

If you expressly opt in to text messages from Checkmate Financial Group, the following program terms apply:

  • You may receive recurring messages about your quote request, appointment confirmations and reminders, updates related to your inquiry or policy, and, only where you have consented, marketing messages. Message frequency varies.
  • Message and data rates may apply. Check your mobile plan for details.
  • Reply STOP at any time to cancel. You will receive one final message confirming your opt-out, after which you will receive no further messages unless you opt in again.
  • Reply HELP for help, or contact us at Info@Checkmatefinancialgroup.com or (833) 997-6934.
  • Consent to receive text messages is not a condition of purchasing any product or service.
  • Mobile carriers are not liable for delayed or undelivered messages. Message delivery is subject to your carrier’s network availability.
  • We do not share your mobile phone number or your text-messaging opt-in consent with third parties unless we have received your express written consent to do so. Text messaging originator opt-in data and consent are never shared with any third parties, excluding the aggregators and providers of the text message services that deliver our messages. See our Privacy Policy.

7. Electronic communications

By using our Services or providing your contact information, you consent to receive electronic communications from us, such as emails, text messages where you have opted in, and notices posted on our Services. You agree that any notices, agreements, disclosures, or other communications we send you electronically satisfy any legal requirement that such communications be in writing.

8. Agent portal accounts

Some Services, such as the agent portal, require an account. You must provide accurate account information, keep it updated, maintain the security of your credentials, not share them, and promptly notify us if you discover or suspect unauthorized access to your account. We may suspend or terminate accounts that violate these Terms.

9. Acceptable use

You agree that you will not violate any applicable law, contract, or the rights of others while using our Services, and you are solely responsible for your conduct. You will not:

  • Impersonate any person or entity or misrepresent your affiliation;
  • Submit false or misleading information through any form;
  • Use another person’s account without authorization;
  • Interfere with, disrupt, overburden, or attempt to gain unauthorized access to our Services, servers, or networks;
  • Use any data mining, scraping, robots, or similar gathering or extraction methods, or bypass our robots.txt instructions;
  • Reverse engineer any aspect of our Services; or
  • Use our Services for any illegal or unauthorized purpose.

10. Intellectual property

Our Services and their content, including text, graphics, images, photographs, videos, logos, trademarks, and design (the “Checkmate Content”), are owned by or licensed to Checkmate and protected under U.S. and foreign laws. You are granted a limited, nonexclusive, nontransferable, revocable license to access and use our Services and the Checkmate Content for your personal, noncommercial use. Any other use, including copying, reproducing, distributing, modifying, or creating derivative works, requires our prior written permission.

11. Outside content & links

Our Services may reference or link to websites, services, and content operated by others, including insurance carrier names and logos, which are the property of their respective owners. We do not control or endorse that content, references do not imply sponsorship or affiliation beyond an agency appointment, and your interactions with those companies are solely between you and them.

12. Feedback

Any questions, comments, suggestions, ideas, or other feedback you submit about our Services is nonconfidential. We may use and disseminate feedback for any purpose without acknowledgment or compensation to you.

13. Licensing

Checkmate Financial Group and its agents are licensed to sell insurance in the jurisdictions where they operate. Product and carrier availability varies by state, and your agent will only present options available where you live. Licensing details are available on request.

14. Disclaimers

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUR SERVICES ARE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NOTHING ON THIS SITE GUARANTEES COVERAGE, APPROVAL, PRICE, SAVINGS, OR INVESTMENT RETURNS.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CHECKMATE AND ITS OFFICERS, DIRECTORS, AGENTS, PARTNERS, AND EMPLOYEES WILL NOT BE LIABLE UNDER ANY THEORY OF LIABILITY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGES OR LOST PROFITS ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES IS LIMITED TO ONE HUNDRED DOLLARS ($100). THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, AND THEY DO NOT LIMIT THE TERMS OF ANY INSURANCE POLICY ISSUED TO YOU, WHICH ARE GOVERNED BY THE POLICY ITSELF.

16. Indemnification

To the fullest extent permitted by law, you will indemnify, defend, and hold harmless Checkmate and its officers, directors, agents, partners, and employees from and against any loss, liability, claim, demand, damages, expenses, or costs arising out of or related to your violation of these Terms, your misuse of our Services, or your violation of any rights of another.

17. Dispute resolution & arbitration

Please read this section carefully. It requires you to arbitrate certain disputes with Checkmate and limits the manner in which you can seek relief from us. We aim to resolve concerns directly, so please contact us first.

Except for small-claims disputes and disputes in which either party seeks injunctive or other equitable relief for the alleged unlawful use of intellectual property, you and Checkmate waive your rights to a jury trial and agree that any dispute arising out of or relating to these Terms or our Services will be resolved through confidential, binding, individual arbitration in Orange County, Florida, administered by the American Arbitration Association under its Consumer Arbitration Rules. Any dispute will be arbitrated only on an individual basis and will not be brought as a class arbitration, class action, or any other type of representative proceeding. Any claim arising out of or related to these Terms or our Services must be filed within one year after the claim arose or it is permanently barred. You may opt out of this arbitration provision within 30 days of first accepting these Terms by emailing us at Info@Checkmatefinancialgroup.com with your full name and a clear statement of your intent to opt out. This section does not apply to disputes arising under an issued insurance policy, which are governed by the policy and applicable insurance law.

18. Governing law & venue

These Terms and your use of our Services are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles, except where superseded by applicable insurance regulation in your state of residence. Any dispute not subject to arbitration and not eligible for small-claims court will be resolved in the state or federal courts sitting in Orange County, Florida.

19. Changes to these terms

We may update these Terms from time to time. When we do, we will post the amended Terms here and revise the “Last updated” date above, and where appropriate we will provide additional notice. Your continued use of our Services after changes take effect constitutes acceptance of the amended Terms.

20. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, including for violations of these Terms. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution.

21. Miscellaneous

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Checkmate regarding our Services. If any provision of these Terms is found unlawful, void, or unenforceable, that provision is severable and does not affect the rest. Our failure to enforce any right or provision is not a waiver of it. You may not assign these Terms without our prior written consent.

22. How to contact us

Questions about these Terms? Contact us at Info@Checkmatefinancialgroup.com, by phone at (833) 997-6934 (Monday to Friday, 9am to 8pm ET), or by mail at Checkmate Financial Group, 5728 Major Blvd, Ste 702, Orlando, FL 32819.