TERMS AND CONDITIONS

Last Updated: July 28, 2026

These Terms and Conditions govern your use of the Costara & Co. website, services, appointment tools, online forms, and SMS and email communication programs.

By using our website, submitting a form, requesting information, scheduling an appointment, or opting in to receive communications, you agree to these Terms and Conditions and our Privacy Policy.

1. Website and Service Description

Costara & Co. provides general information about insurance products and services, including Final Expense Insurance and Mortgage Protection Insurance.

Our website may allow users to:

Request information

Request an insurance consultation

Submit contact forms

Schedule appointments

Receive appointment reminders

Opt in to SMS or email communications

Learn about available insurance products and services

Information provided through this website is for general informational purposes and does not guarantee coverage, approval, pricing, eligibility, or policy issuance.

2. Insurance Disclaimer

Insurance products, coverage, eligibility, availability, terms, premiums, and benefits may vary by:

State

Insurance carrier

Applicant eligibility

Health or underwriting requirements

Policy terms and conditions

Individual circumstances

Submitting a form, requesting information, or speaking with an insurance professional does not create insurance coverage.

Coverage is only effective after an application has been approved, all required conditions have been completed, the applicable premium has been paid, and the insurance carrier has issued the policy.

You should carefully review all policy documents, exclusions, limitations, conditions, and carrier disclosures before purchasing coverage.

3. Program Description

Costara & Co. may send SMS and email messages to individuals who provide their information and consent to receive communications.

Messages may include:

Responses to inquiries

Insurance-related information

Appointment confirmations

Appointment reminders

Service updates

Follow-up messages

Promotional or marketing communications when separately authorized

Message frequency may vary based on your interactions, appointments, inquiries, and communication preferences.

4. Consent to Receive SMS Messages

By providing your phone number and checking the applicable consent box, you authorize Costara & Co. to send text messages to the mobile number you provided.

Consent is not a condition of purchasing any product or service.

SMS consent applies only to the specific phone number provided and may be withdrawn at any time.

5. Opt-Out Instructions

You may cancel the SMS messaging service at any time by replying STOP to a message received from Costara & Co. at 772-202-2701.

After you send STOP, you may receive a confirmation message stating that you have been unsubscribed.

Afterward, you will no longer receive SMS messages unless you opt in again.

Other supported opt-out keywords may include:

END

CANCEL

UNSUBSCRIBE

QUIT

6. Opting In Again

After opting out, you may rejoin the SMS program by submitting a new website form, providing written consent, or using the same approved method originally used to enroll.

7. Help and Support

For assistance with the messaging program, reply HELP to a message or contact us directly:

Phone: 772-202-2701

Email: [email protected]

8. Message Frequency and Rates

Message frequency may vary.

You may receive messages related to your inquiry, appointment, insurance request, service updates, or promotional communications when authorized.

Message and data rates may apply to messages sent to you from us and messages sent from you to us.

Please contact your wireless provider for information about your text messaging or data plan.

9. Carrier Disclaimer

Wireless carriers are not responsible or liable for delayed, blocked, or undelivered messages.

SMS delivery may depend on your mobile device, wireless carrier, network availability, and other factors outside our control.

10. Privacy

Your participation in our messaging and email programs is governed by our Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

SMS opt-in data and consent will not be sold or shared with third parties for their own marketing purposes.

Privacy Policy: [Insert Privacy Policy Page Link]

11. Acceptable Use

You agree not to use our website, forms, appointment tools, or communications services to:

Submit false or misleading information

Impersonate another person

Disrupt website functionality

Attempt unauthorized access to systems or information

Transmit malicious code

Violate applicable laws or regulations

Harass, threaten, or abuse another person

Use automated systems to submit spam or fraudulent requests

We reserve the right to restrict access or discontinue communication with users who misuse our website or services.

12. Website Accuracy

We make reasonable efforts to provide accurate and current website information. However, we do not guarantee that all information will always be complete, current, or error-free.

Insurance products, carrier availability, services, and website content may be changed or updated without notice.

13. Third-Party Services and Links

Our website may contain links to third-party websites, social media pages, scheduling tools, insurance carrier websites, or other external platforms.

We do not control and are not responsible for the content, availability, security, policies, or practices of third-party services.

Your use of third-party services is subject to their own terms and privacy policies.

14. Limitation of Liability

To the fullest extent permitted by law, Costara & Co. will not be liable for indirect, incidental, special, consequential, or punitive damages arising from:

Use of or inability to use the website

Reliance on website information

Delayed or undelivered messages

Third-party websites or services

Unauthorized access outside our reasonable control

Insurance carrier decisions

Application approval, denial, or underwriting outcomes

Nothing in these Terms limits liability that cannot legally be limited under applicable law.

15. No Legal, Tax, or Financial Advice

Information provided on this website is for general informational purposes only.

It should not be considered legal, tax, accounting, medical, or financial advice. You should consult an appropriately qualified professional regarding your specific circumstances.

16. Changes to These Terms

We may update these Terms and Conditions periodically.

Updates will be posted on this page with a revised “Last Updated” date. Continued use of our website or services after changes are posted constitutes acceptance of the updated Terms.

17. Governing Law

These Terms are governed by applicable federal laws and the laws of the State of Florida, without regard to conflict-of-law principles.

18. Contact Information

Questions about these Terms and Conditions may be sent to:

Costara & Co.

Port St. Lucie, Florida

Phone: 772-202-2701

Email: [email protected]