TERMS AND CONDITIONS Integrous Financial LLC 650 From Road, Paramus, NJ 07652
Effective Date: March 22, 2026 | Last Updated: March 22, 2026
1. ACCEPTANCE OF TERMS
By submitting your information through any form, landing page, or digital property operated by Integrous Financial LLC ("Integrous Financial," "we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not submit your information or engage with our digital properties.
2. DESCRIPTION OF SERVICES
Integrous Financial LLC is a financial services firm providing educational content, consultations, and resources related to financial planning, retirement strategies, and wealth management. Insurance products are offered through Lafayette Life Insurance Company. We do not provide legal advice. Nothing communicated through our SMS messages, emails, landing pages, or digital materials constitutes a guarantee of financial results or a fiduciary recommendation unless explicitly established through a separate written advisory agreement.
3. AGE REQUIREMENT
You must be 18 years of age or older to use this SMS service or submit your information through any form operated by Integrous Financial LLC. By submitting your information and consenting to receive SMS communications, you represent and warrant that you are at least 18 years of age. Integrous Financial LLC does not knowingly collect personal information from individuals under the age of 18. If we become aware that a user under the age of 18 has submitted their information, we will promptly delete such information from our records.
4. SMS COMMUNICATIONS — TERMS OF USE
By opting in to receive SMS text messages from Integrous Financial LLC, you expressly agree to the following:
You are the account holder or have the account holder's permission to consent on behalf of the mobile number provided
You consent to receive SMS text messages from Integrous Financial LLC, including appointment reminders, follow-up messages, and digital materials you have requested
Message frequency will vary
Message and data rates may apply
You may opt out at any time by replying STOP to any message received from us. Upon receipt of your STOP request, we will send one final confirmation message and cease all further SMS communications to that number
You may reply HELP at any time for assistance or contact us in writing at the address above
Opting out of SMS does not terminate any service agreement or consultation relationship you have separately established with Integrous Financial LLC
Integrous Financial LLC is solely responsible for the content of messages sent under this program. Your mobile carrier is not liable for delayed or undelivered messages
5. NO SALE OR MISUSE OF YOUR DATA
Integrous Financial LLC does not sell, rent, lease, trade, or otherwise transfer your personal information — including your name, email address, phone number, or any financial information you provide — to any third party for their own independent use, marketing, or commercial purposes.
Your information is used exclusively to:
Deliver the SMS messages, appointment reminders, follow-up communications, and digital materials you have consented to receive
Facilitate consultations and services you have requested from Integrous Financial LLC
Comply with applicable legal and regulatory obligations
Your mobile phone number will never be shared with any third party for marketing purposes. Your data will never be used in any way that was not disclosed to you at the time of collection without your explicit prior consent.
6. CONSENT TO COMMUNICATIONS
By submitting a form on any Integrous Financial LLC digital property, you acknowledge that:
You are voluntarily providing your contact information
You have read and agree to these Terms and Conditions and our Privacy Policy
You understand the nature and frequency of communications you may receive
Your consent to receive SMS communications is not a condition of receiving any service, consultation, or materials from Integrous Financial LLC
7. INTELLECTUAL PROPERTY
All content delivered through Integrous Financial LLC communications, including but not limited to guides, worksheets, diagnostic reports, videos, and written materials, is the intellectual property of Integrous Financial LLC. You may use such materials for your personal, non-commercial purposes only. You may not reproduce, distribute, resell, or repurpose any materials without the express written consent of Integrous Financial LLC.
8. DISCLAIMER OF WARRANTIES
All information, materials, and communications provided by Integrous Financial LLC are for educational and informational purposes only. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any information provided. Past financial performance referenced in any materials does not guarantee future results.
9. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, Integrous Financial LLC shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of our communications, digital properties, or materials, including any reliance on information provided therein.
10. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Integrous Financial LLC and its members, officers, employees, agents, and service providers from and against any claims, liabilities, damages, losses, or expenses arising out of your violation of these Terms and Conditions or your misuse of any materials or communications provided by Integrous Financial LLC.
11. GOVERNING LAW
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any dispute arising under these terms shall be resolved in the appropriate courts of Bergen County, New Jersey.
12. COMPLIANCE WITH APPLICABLE LAW
Integrous Financial LLC operates its SMS and digital communications programs in compliance with applicable federal and state law, including but not limited to:
The Telephone Consumer Protection Act (TCPA)
The CAN-SPAM Act
FCC regulations governing SMS and mobile communications
The California Consumer Privacy Act (CCPA) where applicable
The New Jersey Consumer Fraud Act where applicable
13. MODIFICATIONS TO THESE TERMS
We reserve the right to modify these Terms and Conditions at any time. Material changes will be reflected by an updated "Last Updated" date at the top of this page. Continued engagement with our communications or digital properties following any update constitutes acceptance of the revised terms.
14. CONTACT
Questions regarding these Terms and Conditions may be directed to:
Integrous Financial LLC 650 From Road Paramus, NJ 07652
For SMS opt-out, reply STOP to any message from us.
These Terms and Conditions are intended to meet or exceed requirements under the TCPA, FCC A2P 10DLC regulations, CAN-SPAM, and applicable state consumer protection laws.