Terms of Service
Frost Financial LLC · Last updated: July 22, 2026
These Terms of Service ("Terms") govern your use of frostfinancial.net (the "Site"), operated by Frost Financial LLC ("Frost Financial," "we," "us," or "our"), an independent life insurance agency based in Phoenix, Arizona. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
Informational purposes only
The content on this Site is provided for general informational purposes only. It describes the kinds of insurance products we can help you explore; it is not an offer of coverage, an insurance application, or a recommendation of any specific product. Website content does not constitute legal, tax, investment, or financial advice. You should consult qualified professionals regarding your individual circumstances.
No guarantee of coverage, approval, or pricing
Nothing on this Site guarantees that any visitor will qualify for coverage, be approved, pay any particular premium, or receive any particular benefit. Policy availability, features, benefits, riders, pricing, and underwriting requirements vary by carrier, product, applicant, and state, and are subject to change. Final decisions about eligibility, approval, and pricing rest solely with the issuing insurance carrier through its underwriting process. All coverage is governed exclusively by the terms of the issued policy.
Our role
Frost Financial LLC is an independent insurance agency. We are not an insurance carrier and do not issue policies. Insurance products are underwritten and issued by third-party insurance carriers.
Use of the Site
You agree to use the Site only for lawful purposes and not to interfere with its operation, attempt to gain unauthorized access to any systems, or use the Site to transmit anything unlawful, misleading, or harmful.
Intellectual property
The Site and its content — including text, design, graphics, and logos — are owned by Frost Financial LLC or used with permission, and are protected by applicable intellectual-property laws. You may not reproduce, distribute, or create derivative works from Site content without prior written permission, except as permitted for personal, non-commercial viewing.
Third-party services and links
The Site may reference or link to third-party websites or services, including insurance carriers. We do not control and are not responsible for third-party content, policies, or practices. Any dealings you have with third parties are solely between you and them.
Communications consent
If you submit the contact form and check the consent box, you agree to be contacted by Frost Financial LLC by phone call or text message at the number you provided regarding your request. Consent is not a condition of purchase. Message and data rates may apply, and message frequency may vary. You can reply STOP at any time to opt out of text messages, or HELP for assistance. See our Privacy Policy for details on how your information is handled.
Disclaimer of warranties
The Site is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, regarding the Site, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that content is complete, current, or accurate at all times.
Limitation of liability
To the fullest extent permitted by law, Frost Financial LLC and its owner shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or relating to your use of the Site. In no event shall our total liability arising out of the use of the Site exceed one hundred dollars (US $100). Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you.
Changes to these Terms
We may update these Terms from time to time. The "Last updated" date above shows the current version. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
Governing law
These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles. Any dispute arising under these Terms shall be brought in the state or federal courts located in Maricopa County, Arizona.
Contact us
Frost Financial LLC
Phoenix, Arizona
Phone: (480) 466-8063
Email: preston00frost@gmail.com