Privacy Policy

Last Updated: January 04, 2026

Welcome to the website (the "Site") operated by Jonathan Stewart, an independent licensed life insurance professional ("Agent," "I," "me," "my," "we," or "us"). By accessing or using this Site, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with these Terms, please do not use the Site. These Terms govern your access to and use of the Site, including any content, functionality, and services offered on or through the Site, such as requesting life insurance quotes, scheduling consultations, or submitting inquiries.

1. Nature of Services

This Site provides general information about life insurance and allows you to request quotes or consultations from me as an independent insurance broker. I am not an insurance company, and any insurance coverage is provided solely by the insurance carriers with whom I work.

  • Quotes provided are estimates based on the information you supply and are subject to underwriting approval by the insurance carrier.

  • I do not guarantee approval of any application or the availability of any specific rate or policy.

  • All insurance decisions are made by the issuing insurance carrier.

2. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You must not:

  • Use the Site in any way that violates any applicable federal, state, local, or international law or regulation.

  • Submit false, inaccurate, or misleading information when requesting quotes or services.

  • Attempt to interfere with the proper working of the Site.

3. Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, text, displays, images, and design) are owned by me or my licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.You may not reproduce, distribute, modify, or create derivative works of any portion of the Site without my prior written consent.

4. Privacy

Your use of the Site is also governed by our Privacy Policy.

5. Third-Party Links and Services

The Site may contain links to third-party websites, such as insurance carriers or service providers. These links are provided for convenience only. I do not endorse and am not responsible for the content, privacy practices, or availability of any third-party sites.

6. Disclaimer of Warranties

THE SITE AND ALL INFORMATION PROVIDED ARE OFFERED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.I DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7. Changes to Terms

I may revise these Terms at any time by updating this page. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

8. Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Texas.

9. Contact Information

If you have questions about these Terms, please contact:

Jonathan Stewart
Texas Life Insurance License Number: 3437269
National Producer Number: 22081405
Email: jon@palmatumgroup.com