Legal
Terms & Conditions
These Terms & Conditions (“Terms”) govern your use of the website operated by Alchemy Financial LLC (“Alchemy Financial,” “we,” “us,” or “our”). By accessing or using this website or submitting a request, you agree to these Terms. If you do not agree, please do not use the site.
01 About our services
Alchemy Financial is an independent life insurance brokerage. We help homeowners and families compare policies, including mortgage protection, income protection, and final expense coverage, from the carriers we work with. The information on this website is general in nature and is provided for educational purposes. It is not insurance, tax, legal, or financial advice, and it is not an offer to sell or a solicitation to buy any insurance product.
02 No policy is created through this site
Submitting our callback or quote form is a request to be contacted; it does not create an insurance policy, bind coverage, or guarantee that coverage will be issued. Coverage exists only when a policy is approved and issued by an insurance carrier in accordance with its terms.
03 Eligibility
You must be at least 18 years old and able to enter into a binding agreement to use this website and request services. Products and availability vary by state and may not be offered everywhere.
04 Callback requests and consent
When you provide your phone number, you agree that we and our licensed agents may contact you about insurance options by phone, text, and email, including by automated technology and prerecorded messages, as described in our Privacy Policy. Consent is not a condition of purchase, and you may opt out at any time.
05 No guarantee of coverage or rates
Any quotes, estimates, or product descriptions are for general information only and are not guarantees. Final eligibility, premiums, and terms are determined solely by the issuing carrier and are subject to underwriting, application review, and applicable state law.
06 Your responsibilities
You agree to provide accurate, current, and complete information and to use the website only for lawful purposes. You are responsible for the accuracy of the information you submit to us and to any carrier.
07 Intellectual property
The Alchemy Financial name, logo, text, graphics, and design on this website are owned by us or our licensors and are protected by applicable laws. You may not copy, reproduce, or use them without our prior written permission.
08 Third-party links and carrier marks
Our website may reference or link to third parties, including insurance carriers whose names and logos are the property of their respective owners. Those marks are used to identify the carriers we may shop on your behalf and do not imply endorsement. We are not responsible for the content or practices of third-party websites.
09 Disclaimer of warranties
This website is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or secure.
10 Limitation of liability
To the fullest extent permitted by law, Alchemy Financial and its agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website.
11 Indemnification
You agree to indemnify and hold harmless Alchemy Financial and its agents from any claims, losses, or expenses arising out of your misuse of the website or violation of these Terms.
12 Governing law and disputes
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute will be resolved in the courts located in Duval, Florida, unless otherwise required by law.
13 Changes to these Terms
We may update these Terms from time to time. Changes are effective when posted, and we will revise the “Last updated” date above. Your continued use of the website after changes take effect constitutes acceptance of the updated Terms.
14 Contact us
Alchemy Financial
Email: Contact@alchemy.financial