Please read these Terms of Service ("Terms") carefully before using the website operated by Sawyer Bloom / SJB Coverage ("we," "us," or "our"). By accessing or using this website you agree to be bound by these Terms.
1. Use of This Website
This website is provided for informational purposes related to life insurance services offered by Sawyer Bloom, a licensed life insurance agent affiliated with SJB Coverage. You agree to use this site only for lawful purposes and in a manner that does not infringe the rights of others.
2. Insurance Services
Information on this website does not constitute an offer or guarantee of insurance coverage. Coverage availability, terms, and pricing are subject to underwriting approval and may vary by state. Nothing on this site replaces a formal policy document or licensed consultation.
3. SMS / Text Messaging Terms
By providing your mobile phone number and checking the SMS opt-in checkbox on our contact form, you expressly consent to receive recurring text messages (SMS) from Sawyer Bloom / SJB Coverage related to your insurance inquiry, quotes, policy information, and follow-up communications.
- Opt-in is optional. The SMS checkbox on our form is optional and unchecked by default. You may submit the form and receive a quote without consenting to SMS.
- Message frequency varies based on the nature of your inquiry and ongoing communications.
- Message and data rates may apply depending on your mobile carrier and plan.
- To stop receiving messages, reply STOP to any text message you receive from us. You will receive a one-time confirmation that your opt-out has been processed.
- For help, reply HELP to any message or contact us at the information below.
- We will not share your mobile number with third parties for marketing purposes.
- Carriers are not liable for delayed or undelivered messages.
4. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data practices, including how we handle mobile numbers and SMS consent.
5. Intellectual Property
All content on this website — including text, graphics, and logos — is the property of Sawyer Bloom / SJB Coverage and may not be reproduced without written permission.
6. Disclaimer of Warranties
This website is provided on an "as is" basis without warranties of any kind, express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.
7. Limitation of Liability
To the fullest extent permitted by law, Sawyer Bloom / SJB Coverage shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided herein.
8. Changes to These Terms
We reserve the right to update these Terms at any time. Continued use of the website after changes are posted constitutes your acceptance of the revised Terms.
9. Contact Us
If you have questions about these Terms or our SMS messaging program, please reach out via the contact form on our website.