Terms and Conditions

Last Updated: October 27, 2026

1. Introduction

Welcome to Gathright Financial Services.

These Terms and Conditions govern your use of our website, Final Expense Insurance and LegalShield information services, appointment scheduling, and SMS and email communications.

By accessing our website or using our services, you agree to these Terms and Conditions and acknowledge our Privacy Policy.

2. Services Provided

Gathright Financial Services provides information and assistance related to:

Final Expense Insurance

LegalShield membership services

Insurance consultations and coverage inquiries

Appointment scheduling and customer support

Insurance availability, coverage, eligibility, premiums, and benefits depend on the applicable insurance carrier and policy terms.

LegalShield membership services are subject to the applicable membership agreement, service availability, and plan limitations.

Information provided on this website does not guarantee insurance approval, coverage issuance, or specific legal service outcomes.

3. SMS Messaging Program Description

Gathright Financial Services may send SMS text messages to individuals who have voluntarily opted in to receive communications.

Messages may include:

Appointment confirmations and reminders

Responses to insurance or service inquiries

Follow-up communications

Customer service notifications

Service updates

Promotional offers and marketing messages for individuals who have separately consented to receive them

Message frequency varies based on your interactions, requests, and communication preferences.

4. Consent to Receive SMS Messages

By providing your mobile phone number and affirmatively selecting the applicable SMS consent option, you authorize Gathright Financial Services to send text messages to that number.

Consent is voluntary and is not a condition of purchasing insurance or other services.

Marketing messages will only be sent when the appropriate marketing consent has been obtained.

5. SMS Opt-Out Instructions

You can cancel SMS communications at any time by replying STOP to a message from Gathright Financial Services.

After sending STOP, you may receive one final confirmation message indicating that you have been unsubscribed.

You will not receive additional messages from that messaging program unless you opt in again.

6. Opting In Again

If you previously unsubscribed and wish to resume receiving messages, you may submit a new consent request through an approved opt-in method.

7. SMS Help and Customer Support

For assistance with our SMS messaging program, reply HELP to any message.

You may also contact us directly:

Phone: (909) 496-0436

Email: [email protected]

8. Message Frequency and Rates

Message frequency varies depending on your communication preferences and service interactions.

Message and data rates may apply to messages sent to and received from Gathright Financial Services.

Contact your wireless carrier for questions about your mobile messaging or data plan.

9. Carrier Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

Message delivery may depend on carrier availability, network conditions, and device compatibility.

10. Email Communications

If you subscribe to promotional email communications, we may send service information, updates, and promotional materials.

You may unsubscribe from marketing emails at any time using the unsubscribe link included in those messages.

11. Website Information and Accuracy

We strive to provide accurate and up-to-date information on our website.

However, insurance products, coverage details, eligibility requirements, and LegalShield services may change without notice.

Website information is provided for general informational purposes and should not be interpreted as a guarantee of coverage, legal advice, or a binding insurance agreement.

12. Insurance and Legal Services Disclaimer

Final Expense Insurance products are subject to carrier underwriting guidelines, policy exclusions, limitations, and applicable state regulations.

LegalShield services are provided under the terms of the applicable membership plan. Gathright Financial Services does not independently provide legal representation or legal advice.

13. Acceptable Website Use

You agree not to use our website for unlawful activities, fraudulent submissions, unauthorized access, or any activity that interferes with the operation or security of our services.

14. Privacy and Data Protection

Your use of our website and communication services is also governed by our Privacy Policy.

We do not share mobile information or SMS opt-in consent data with third parties or affiliates for their own marketing or promotional purposes.

Please review our Privacy Policy for details about information collection, use, sharing, and protection.

15. Changes to Terms

Gathright Financial Services may update these Terms and Conditions periodically.

Changes will be posted on this page with a revised Last Updated date.

Continued use of our website after updates become effective constitutes acceptance of the revised Terms, to the extent permitted by applicable law.

16. Contact Information

For questions about these Terms and Conditions, please contact:

Gathright Financial Services

Christopher "Chris" Gathright

Lincoln City, Oregon 97367

Phone: (909) 496-0436

Email: [email protected]

For information about how we collect and protect your personal information, please review our Privacy Policy.