1. Business Identity
These Terms of Service govern your use of the website at elliinvestment.world (the "Site") and your communications with Nicholas Edholm, an independent life insurance agent operating as a sole proprietor ("we," "us," or "our").
2. Services
We provide life insurance consultations, multi-carrier insurance quotes, and application assistance, with a focus on final expense life insurance products. Nothing on this Site constitutes a binding offer of insurance; all coverage is subject to carrier underwriting and approval.
3. SMS / Text Messaging Terms
By providing your phone number to us — through this Site, by phone, or in person — you consent to receive SMS text messages from Nicholas Edholm / Elli Investment related to insurance consultations, quotes, appointment reminders, and follow-up communications.
- Message frequency varies based on your interaction with us.
- Message and data rates may apply as determined by your mobile carrier.
- To opt out at any time, reply STOP to any message. You will receive a confirmation and no further messages will be sent unless you re-enroll.
- For help, reply HELP to any message, or contact us at nicholasfedholm@elliinvestment.world.
- Supported carriers may vary; delivery is subject to your carrier's coverage and policies.
4. Phone Call Terms
By providing your phone number, you consent to receive phone calls from us regarding insurance products and consultations, including calls placed with automated dialing technology. You may revoke this consent at any time by notifying us verbally or in writing.
5. Acceptable Use
You agree not to misuse this Site or our communications channels, including by providing false contact information or using our services for unlawful purposes.
6. Intellectual Property
All content on this Site is the property of Nicholas Edholm / Elli Investment unless otherwise noted, and may not be reproduced without permission.
7. Limitation of Liability
Insurance products described on this Site are offered through licensed carriers and are subject to their terms, conditions, and underwriting decisions. We are not liable for carrier decisions regarding eligibility, pricing, or claims.
8. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site or our services after changes constitutes acceptance of the updated Terms.
9. Contact
Questions about these Terms: nicholasfedholm@elliinvestment.world.