1. General
 Phenom Consulting Group LLC DBA Phenom Financial (“Phenom,” "Phenom Financial", “we,” “us,” “our”) is an insurance brokerage company that is the owner and operator of this website, www.phenomfinancial.com (the “Site”).

This Terms and Conditions Agreement (“Agreement”) governs your use of and access to the Site.

By browsing, accessing, and using the Site, you (“you” and “User”) acknowledge that you have read, understood, and agreed to this Agreement. Please review it carefully and feel free to reach out if you have any questions. For inquiries, contact us at: support@phenomfinancial.com. If you do not agree with any part of this Agreement, you may choose to opt out by closing the Site.

 2. Privacy
 The Phenom Financial Privacy Policy is an integral part of this Agreement. It outlines:

 - The types of information we may collect from you during your visit to and use of our Site;
- How we may share this information; and
- How we may utilize it.

By using the Site, you consent to the Phenom Financial Privacy Policy and the collection, use, and sharing of information as detailed therein. Additionally, by using the Site, you acknowledge and agree that online transmissions are never entirely private or secure.

3. Representations about users and customers
Phenom Financial is an insurance brokerage that may offer quotes, brokering services, information on insurance and financial products, and facilitate sales of third-party insurance products (“Insurance Services”) on our Site. We are a licensed independent insurance broker. The insurance premiums displayed on the Site are based on the information provided for your quote. It is important to note that providing incorrect or incomplete information may impact the accuracy of the quotes provided on the Site.

By using the Site, you affirm that you:
 - Have the authority and are legally old enough to enter into this Agreement;
- Agree not to misrepresent your identity or portray yourself as another individual or entity;
- Commit to providing accurate, up-to-date, and complete information;
- Are at least 13 years old when using the Site, acknowledging that it is not intended for children under 13; and Phenom Financial does not knowingly collect personal data from children via our Site.
If you are 13 or older but under 18, you must review this Agreement with a parent or legal guardian who comprehends and consents to this Agreement on your behalf.

The final premium for any insurance policy is determined by the underwriting insurance company following a thorough review of a complete and accurate application.

Please note that not all products or services described on the Site may be available in every part of the United States. Eligibility for certain insurance products or services described on the Site may vary by state and individual circumstances. The third-party insurance products available for purchase through the Site are only accessible in jurisdictions where we hold valid licenses.
 
4. Intellectual property related to the Site
Phenom Financial owns the Site and its content, including trademarks, logos, service marks (registered and unregistered), all protected by United States copyright and trademark laws, as well as applicable international treaties. We retain all rights to the Site. If you provide comments, suggestions, ratings, or other feedback regarding the Site or your experience ("Feedback"), you agree that we can utilize such Feedback for any purpose without restrictions or obligations to you. You are authorized to utilize the information provided on or through the Site solely for personal, non-commercial use, provided that you do not alter the content and do not infringe upon any legal rights of Phenom Financial. You must not replicate any content within the Site without prior written authorization from Phenom Financial. Except as expressly permitted herein, none of the content may be used, copied, reproduced, distributed, published, displayed, downloaded, or transmitted in any form without our prior written consent.

5. Restrictions on Site usage
You are prohibited from renting, leasing, lending, selling, redistributing, reproducing, or sublicensing the Site or any part of it. You may not copy, decompile, reverse-engineer, disassemble, attempt to derive source code from, modify, or create derivative works based on the Site or any part of it. In cases where these restrictions are prohibited by applicable law or by an agreement between Phenom Financial and a licensor of Phenom Financial, such actions are limited to the extent necessary for compliance with laws, contracts, or licenses. You must not misuse or disrupt the Site in any unauthorized or unlawful manner that hinders its intended function, including but not limited to trespassing or overloading the network infrastructure.

6. Third-party offerings
Phenom Financial is an insurance brokerage company that provides estimates, quotes, and certain information about third-party products on the Site. Phenom Financial is not accountable for the availability of these third parties' offerings, products, services, or methods through which you may access services due to using the Phenom Financial Site.

Phenom Financial does not guarantee any quote, fee, term, rate, coverage, or service offered by Third Parties. By using third-party products or services chosen by you for purchase through our Site, you acknowledge responsibility for verifying Third Parties' licensing and understand that Phenom Financial is not liable for any losses, costs, damages, or claims related to your use of a Third Party’s products or services. It is your responsibility to research these third parties and seek advice from professionals such as lawyers, accountants, or financial advisors regarding third-party offers.

7. Communications regarding your insurance requirements
By providing your email address or phone number on phenomfinancial.com, you authorize us to contact you via email, phone calls or text messages concerning:

 - Your insurance needs or quote requests;
- Any service-related issues; and/or
- Providing information about offers that may interest you including responses to quotes requested from us.
Phenom Financial may contact you at any telephone number(s), mobile or otherwise provided by you. Your consent allows us to use automated dialing systems and artificial or prerecorded voice messages to contact you. Standard message and data rates may apply. You acknowledge that your consent is not a condition for making a purchase and that you can contact Phenom Financial directly at 1-855-725-5300 for further details.

 You retain the right to withdraw your consent to be contacted by following these steps:

 - To stop receiving emails at any time, use the unsubscribe option in emails received from us.
- If any of your telephone numbers change or if you are no longer the owner or primary user of a provided phone number, you must promptly inform us so we can update our records.

 By clicking “I Accept” to share your email address with us, you provide affirmative consent to receive commercial emails from us and/or our partners using your email address.

8. No Warranties

WE DO NOT OFFER ANY WARRANTIES REGARDING THE USE OF THE SITE AND SERVICES PROVIDED THEREIN; THEY ARE OFFERED "AS IS." YOUR USE OF OUR SITE AND SERVICES OCCURS WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OR CONDITION OF ANY KIND AND AT YOUR OWN RISK. PHENOM FINANCIAL DISCLAIMS ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not assume responsibility for any harm, loss or corruption incurred by you, your computer system or data (or that of any third party) due to your use of our Services. Some states may not permit these liability limitations; if you reside in such states, these warranties will be limited with a liability cap of $100.00 in total for all claims. You may have additional legal rights that differ from state to state.

 The Site is not intended as a substitute for legal counsel, financial advice from an advisor/accountant or tax planning specialist.

 9. Limitation of liability
Your use of the Site is at your own risk. Phenom Financial explicitly disclaims all liability – whether contractual in nature or arising from torts, negligence or strict liability – for direct, indirect, incidental, consequential or special damages linked to access to, use of or reliance on materials (even if Phenom Financial has been advised of potential damages) arising from errors or omissions in information transmission to/from users due to telecommunications interruptions on this website causing virus infections on your computer system/equipment or other property damage whether wholly or partly due to negligence acts of nature telecommunications breakdowns theft destruction unauthorized access viruses affecting this website/materials transmission delays etc. Some states may not allow liability limitations; hence this restriction might not apply to you.

 10. Release
By agreeing to these terms and conditions:
You release Phenom Financial (along with our officers employees agents successors assigns) from past present future disputes claims controversies demands obligations liabilities actions causes directly indirectly tied to Phenom Financial. 

 11. Indemnification
You agree to defend indemnify hold harmless Phenom Financial its successors affiliates assigns against claims actions demands including reasonable legal accounting fees resulting from I. Your content submissions feedback II. Breach of this Agreement III. Access misuse of Phenom Properties IV. Violation of laws rules regulations.

 12. Changing this Agreement
Phenom Financial reserves the right to modify this Agreement at any time by posting an updated version on our Site or informing users accordingly. Your continued use of the Site implies acceptance of terms prevailing during use.

 13. Governing law and forum choice
This Agreement usage of phenomfinancial.com will be governed by Pennsylvania state laws excluding conflict principles with exclusive jurisdiction granted to state/federal courts in Monroe County Pennsylvania regarding claims/disputes arising from this Agreement visitation/use of our Site with consent given for personal jurisdiction/venue in federal/state courts situated in Monroe Country Pennsylvania.

 14. Employment Opportunities
Phenom Financial adheres to equal employment opportunity principles considering all applications without regard to race sex sexual orientation color religion national origin age disability (provided reasonable accommodation possible) other statuses safeguarded under applicable law urging all qualified candidates to apply. 

15. Miscellaneous
Invalidity/unenforceability affecting any provision won’t nullify this Agreement entirely with such provision enforced/reconstructed ensuring it aligns with Agreement intent maximally permissible under law restrictions possible via trade usage/course dealings not part by express terms in Agreement modifications supplements qualifications interpretations prohibited.

 Failure enforce provisions exercise options herein required performance will not waive future fulfilment rights provisions herein construed waiver claims disputes must be made within one year after cause action occurs barring claim/cause action Reasonable attorneys’ fees costs awarded prevailing party litigation enforcing/interpreting this Agreement.

Section headings used herein solely convenience devoid legal significance.

 16. Violations Additional Policies
Phenom Financial reserves rights seek legal equitable remedies violations Agreement usage blocking specific Internet addresses from accessing Site.

End of Terms And Conditions