Effective Date: September 11, 2026
These Terms & Conditions ("Terms") govern your use of the Paulemon Protection & Wealth Group ("PWG," "we," "us," or "our") website, chatbot, intake forms, scheduling tools, and related services (collectively, the "Services"). By using our Services, you agree to these Terms. If you do not agree, please do not use the Services.
Paulemon Protection & Wealth Group is an independent life insurance brokerage, licensed in the State of Georgia. We help individuals and families explore life insurance and related wealth-protection strategies by comparing options across multiple carriers.
Information provided through our website, chatbot ("Floyd"), guides, quizzes, or consultations is for general educational purposes only. It is not a quote, offer, application, or guarantee of insurance coverage, approval, pricing, or eligibility. Actual coverage, rates, and approval are determined solely by the applicable insurance carrier(s) after underwriting, and are subject to the terms of the carrier's official policy documents.
Nothing on this site or in a conversation with our chatbot constitutes financial, legal, tax, or medical advice. You should consult a qualified professional regarding your specific situation before making financial or health-related decisions.
Our website features an AI-assisted chatbot ("Floyd") that may ask general questions about your situation to help determine whether a consultation may be a good fit. By providing your phone number or email through the chatbot, an intake form, or a scheduling tool, you consent to be contacted by PWG regarding your inquiry, including by phone, email, or text message (SMS).
Booking a consultation through our scheduling tool reserves time on our calendar. We ask that you provide accurate contact information so we can confirm, reschedule, or follow up on your appointment as needed.
You agree not to misuse our Services, including by submitting false information, attempting to disrupt or reverse-engineer our website or chatbot, or using our Services for any unlawful purpose.
Our Services may link to or rely on third-party tools, such as scheduling platforms, chatbot providers, or insurance carrier websites. We are not responsible for the content, accuracy, or practices of third-party websites or services, and your use of them may be subject to their own terms.
All content on this website, including text, graphics, guides, and tools, is the property of Paulemon Protection & Wealth Group or its licensors and is protected by applicable intellectual property laws. You may not reproduce or redistribute our content without permission, other than for personal, non-commercial reference.
Our Services are provided "as is" and "as available," without warranties of any kind, whether express or implied. We do not guarantee that our website, chatbot, or tools will be error-free, uninterrupted, or that any information provided will be complete or current.
To the fullest extent permitted by law, Paulemon Protection & Wealth Group shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, our Services, including reliance on any general information provided prior to a formal consultation or application.
These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-law principles.
We may update these Terms from time to time. Any changes will be posted on this page with a revised effective date. Continued use of our Services after changes are posted constitutes acceptance of the updated Terms.
If you have questions about these Terms, please contact us:
Paulemon Protection & Wealth Group
Email: [email protected]
Phone: (470) 725-2104
Our Services, including our website, chatbot ("Floyd"), and SMS/text messaging communications, are intended for individuals who are at least 18 years of age. By using our Services or providing your phone number to receive text messages, you represent that you are 18 years of age or older.
Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information, including information you provide by phone, email, or text message.
Wireless carriers (including T-Mobile, AT&T, Verizon, and others) are not liable for delayed or undelivered messages.