Terms of Service
Terms & Conditions
Copper State Financial Group
Effective Date: 02/28/2026
Welcome to Copper State Financial Group (“Company,” “we,” “us,” or “our”). By accessing this website or engaging with our services, you agree to the following Terms & Conditions. If you do not agree, please discontinue use of this website.
1. Informational Purposes Only
The information provided on this website is for general informational and educational purposes only.
Nothing on this website constitutes legal, tax, investment, or financial advice. Decisions regarding insurance or financial planning should be made in consultation with licensed professionals based on your individual circumstances.
2. Insurance & Financial Services
Copper State Financial Group operates as an independent insurance brokerage.
Insurance coverage is subject to carrier underwriting approval.
Policy terms, conditions, exclusions, limitations, and pricing vary by carrier.
Coverage approval is not guaranteed.
Any premium estimates are illustrative only and subject to underwriting review.
Final policy terms are governed exclusively by the issued policy contract.
3. No Guarantee of Results
Any examples, case studies, or illustrations provided are for explanatory purposes only.
Results vary based on age, health, underwriting classification, financial circumstances, and other eligibility criteria.
We do not guarantee specific financial outcomes, coverage approval, or premium rates.
4. Appointment Scheduling & Reviews
Scheduling a Protection Review or Financial Needs Analysis does not create a client relationship.
A client relationship is established only after:
• An application is submitted
• Coverage is approved by a carrier
• A policy is issued
5. User Responsibilities
By using this website, you agree:
• To provide accurate and truthful information
• Not to misuse the website or attempt unauthorized access
• Not to submit false or misleading application details
Providing inaccurate information may impact insurance eligibility or underwriting outcomes.
6. Intellectual Property
All content on this website, including text, graphics, branding, and design elements, is the property of Copper State Financial Group and may not be copied, reproduced, or distributed without written permission.
7. Third-Party Links
Our website may contain links to third-party websites or insurance carriers. We are not responsible for the content, policies, or practices of external sites.
8. Limitation of Liability
Copper State Financial Group is not liable for:
• Decisions made based on website information
• Carrier underwriting decisions
• Policy interpretation disputes
• Technical website interruptions
All insurance contracts are governed by the terms of the issuing carrier.
9. SMS Messaging Terms
By providing your phone number and consenting through our website forms, scheduling tools, or other approved opt-in methods, you agree to receive SMS messages from Copper State Financial Group LLC related to your request for information, appointment scheduling, reminders, and service communications.
Message frequency may vary depending on your interaction with our services.
Message and data rates may apply depending on your mobile carrier and service plan.
You may opt out of receiving SMS communications at any time by replying STOP to any message.
For assistance, reply HELP or contact us directly using the information below.
You must be 18 years of age or older to opt in to receive SMS communications from Copper State Financial Group.
Wireless carriers are not liable for delayed or undelivered messages.
10. Privacy
Use of this website is also governed by our Privacy Policy. By using our site, you consent to the collection and use of information as described therein.
11. Changes to These Terms
We reserve the right to update these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date.
12. Contact Information
If you have questions regarding these Terms & Conditions, please contact:
Copper State Financial Group
12112 N Rancho Vistoso Blvd, Ste 150 #427
Oro Valley, AZ 85755
Phone: 602-902-1021
Email: [email protected]
Website: www.CopperStateFinancialGroup.com