SMS Terms & Conditions

Terms & Conditions

Effective Date: July 20, 2026

Welcome to carsonconsultinglife.com (the "Site"), operated by Patricia Rawls, an independent life insurance broker ("we," "us," or "our"). By accessing or using this Site, you agree to the following Terms & Conditions. If you do not agree, please do not use this Site.

1. Informational Purposes Only The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes insurance advice specific to your individual circumstances, nor does it create an insurance contract, binding coverage, or a guarantee of insurability. Actual coverage, rates, and eligibility are determined only through a formal application and underwriting process with a licensed insurance carrier.

2. Licensing Patricia Rawls is a licensed independent insurance broker. Licensing details and states of licensure are available upon request. Insurance products discussed on this Site may not be available in all states, and availability is subject to change.

3. No Guarantee of Accuracy:

While we strive to keep the information on this Site current and accurate, we make no warranties, express or implied, regarding the completeness or accuracy of any general information presented here. This Site does not display specific rates, quotes, or product offerings. Any specific rates, coverage details, or product information will be provided directly by Patricia Rawls or the relevant insurance carrier during a consultation.

4. Third-Party Carriers:

This Site may reference or link to insurance carriers and products offered by third-party companies. We do not control and are not responsible for the content, policies, or practices of any third-party carrier or website.

5. Contact Forms & Lead Submissions:

If you submit your contact information, request a quote, or otherwise reach out through this Site, you consent to being contacted by Patricia Rawls regarding insurance products and services, using the phone number, email, or other contact details you provide. Submitting a form does not obligate you to purchase any product. For details on how your information is collected, used, and protected, please see our Privacy Policy below.

6. No Attorney-Client or Fiduciary Relationship Use of this Site does not create any fiduciary, advisory, or professional relationship beyond what is separately established through a direct client engagement.

7. Limitation of Liability:

To the fullest extent permitted by law, Patricia Rawls and Carson Consulting Life shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site.

8. Changes to These Terms:

We may update these Terms & Conditions from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

9. Contact Us:

If you have questions about these Terms & Conditions, please contact us at [email protected]

Privacy Policy

Effective Date: July 20, 2026

Patricia Rawls ("we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, and protect information when you visit carsonconsultinglife.com (the "Site")

1. Information We Collect We may collect the following types of information when you interact with this Site: - Contact information you submit voluntarily (name, phone number, email address) through quote request forms, contact forms, or chat features, and bookings - Information you provide when scheduling a call or consultation. We are committed to protecting the privacy and security of your personal information and only collect what is necessary to schedule and manage your appointment..

2. How We Use Your Information Information you submit is used to:

Respond to your inquiries and provide requested quotes or information - Contact you about life insurance products and services - Improve our Site and services.

We do not sell your personal information to third parties.

3. Sharing Your Information may be shared with the insurance carriers you choose to apply with, solely for the purpose of processing an application or quote.

4. Your Choices You may opt out of future communications at any time by replying "STOP" to texts, unsubscribing from emails, or contacting us directly at [email protected].

5. Data Security:

We take reasonable measures to protect the information you provide, but no method of transmission over the internet is 100% secure.

6. Children's Privacy This Site is not directed at individuals under 18, and we do not knowingly collect information from children.

7. Changes to This Policy We may update this Privacy Policy periodically.

The effective date above reflects the most recent revision.

Contact Us:

Questions about this Privacy Policy can be directed to [email protected].