Legal

Terms & Conditions

Last updated: July 1, 2026

These Terms & Conditions (“Terms”) govern your use of the website operated by Alchemy Financial LLC (“Alchemy Financial,” “we,” “us,” or “our”). By accessing this site or submitting information through it, you agree to these Terms. If you do not agree, please do not use the site.

01Who we are

Alchemy Financial is an independent life insurance brokerage. We are not an insurance carrier. We help you compare and apply for coverage offered by licensed third-party insurers. All policies are issued, underwritten, and administered by the issuing carrier, not by us.

02No offer of insurance or advice

The content on this site is provided for general informational purposes only. It is not an offer to sell insurance, a solicitation in any state where we are not licensed, or legal, tax, or financial advice. Quotes are estimates only. Coverage, premiums, and availability vary by state and carrier and are never final until an application is approved and the policy is issued.

03Eligibility

You must be at least 18 years old and a legal resident of the United States to submit a request through this site. By submitting a form, you confirm that the information you provide is accurate and that it is your own information, or that you are authorized to provide it.

04Contact consent

By providing your phone number and submitting a request, you agree that Alchemy Financial and its licensed agents may contact you at that number about insurance options, including by automated technology, prerecorded messages, and SMS text. Consent is not a condition of purchase. Message and data rates may apply. You may opt out of texts by replying STOP or request removal from our internal do-not-call list at any time.

05Acceptable use

• Do not submit false, misleading, or fraudulent information;
• Do not use the site for any unlawful purpose or in violation of these Terms;
• Do not attempt to interfere with, scrape, overload, or gain unauthorized access to the site or its systems; and
• Do not submit another person’s information without their permission.

06Intellectual property

The site’s text, design, logos, and other materials are owned by Alchemy Financial or its licensors and are protected by applicable intellectual property laws. Carrier names and logos are the property of their respective owners and are shown only to identify the carriers we work with. You may not reproduce or distribute site content without our written permission.

07Third-party links and services

Our site may link to or rely on third-party websites and services, including carriers and service providers. We do not control and are not responsible for their content, practices, or policies. Your use of a third party’s site is governed by that party’s own terms.

08Disclaimer of warranties

The site is provided “as is” and “as available,” without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that any information on it is complete or current.

09Limitation of liability

To the fullest extent permitted by law, Alchemy Financial will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits or data, arising from your use of this site. Nothing in these Terms limits any liability that cannot be limited under applicable law.

10Privacy

Our handling of your information is described in our Privacy Policy, which is incorporated into these Terms by reference.

11Changes to the site and these Terms

We may modify, suspend, or discontinue any part of the site at any time. We may also update these Terms; when we do, we will revise the “Last updated” date above. Your continued use of the site after changes take effect constitutes acceptance of the updated Terms.

12Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Florida, and you consent to their jurisdiction.

13Contact us

Questions about these Terms? Reach us at:

Alchemy Financial
Email: Contact@alchemy.financial