These Terms and Conditions govern your access to and use of BusinessLoanProtection.com and affiliated websites owned and operated by Gregory O'Rourke.

By accessing, browsing, submitting information through, or otherwise using one of these websites, you acknowledge that you have read, understood, and agree to these Terms and Conditions and our Privacy Policy.

If you do not agree with these Terms and Conditions, please discontinue your use of the websites.

Purpose of the Websites

These websites provide general information regarding commercial loan insurance requirements, business protection planning, insurance products, and related services.

Topics presented on the websites may include:

• Commercial loan protection
• SBA loan life insurance
• Life and disability loan protection
• Collateral and absolute assignments
• Loan compliance support
• Business life insurance
• Disability income protection
• Key person protection
• Buy-sell agreement funding
• Business overhead expense insurance
• Business loan expense protection
• Business continuity planning
• Executive benefits
• Group health insurance & employee benefits

Website content is provided for general informational and educational purposes. It is not intended to provide individualized insurance, lending, legal, tax, accounting, investment, or financial advice.

Independent Insurance Services

Gregory O'Rourke is a licensed independent insurance professional. Insurance products and services may be offered through multiple insurance companies, brokerage organizations, and underwriting resources.

Product availability, policy features, underwriting requirements, premium rates, compensation, and licensing authority may vary by state, carrier, applicant, and transaction.

We are not an insurance company. Insurance policies are issued by the applicable insurance carrier and are governed solely by the carrier's policy contract, underwriting decision, terms, conditions, limitations, exclusions, and state approvals.

No Insurance Coverage Created

Insurance coverage becomes effective only after all required underwriting and application requirements have been completed, the issuing insurance company has approved the application, all required premiums and conditions have been satisfied, and the policy has been formally issued and placed in force in accordance with carrier requirements.

Do not cancel, replace, modify, or allow an existing insurance policy to lapse based solely on information presented on these websites or while an application for new coverage remains pending.

No Guarantee of Insurance Approval

Insurance approval is not guaranteed.

Eligibility, premiums, coverage amounts, policy provisions, benefit periods, exclusions, limitations, and underwriting classifications are determined by the issuing insurance company.

Quotes, estimates, illustrations, and preliminary indications are subject to change based on underwriting, carrier rates, state availability, medical or financial information, and other factors.

A quote or preliminary indication is not an offer of insurance and does not guarantee that a policy will be issued at the quoted rate or on the quoted terms.

No Guarantee of Loan Approval or Closing

Gregory O'Rourke and the websites do not act as a lender and do not originate, approve, underwrite, fund, or guarantee commercial loans, SBA loans, or other financing.

Loan approval, loan conditions, collateral requirements, closing dates, funding decisions, and acceptance of an insurance policy or assignment are determined solely by the lender and other parties to the loan transaction.

Obtaining or applying for insurance does not guarantee that a loan will be approved, closed, or funded.

We are not responsible for delays, changes, denials, or other decisions made by lenders, insurance carriers, underwriting departments, government agencies, attorneys, title companies, or other third parties.

Collateral Assignments and Loan Requirements

Information concerning collateral assignments, absolute assignments, lender requirements, loan conditions, or insurance compliance is provided for general informational purposes.

Each lender, insurance carrier, policy, loan transaction, and state may have different documentation and approval requirements.

The lender and insurance carrier determine whether a policy, assignment, beneficiary arrangement, ownership structure, coverage amount, or other documentation satisfies their respective requirements.

Users should review all loan, assignment, ownership, beneficiary, and contractual documents with their lender, attorney, tax advisor, CPA, or other qualified professional before signing or submitting them.

No Legal, Tax, Accounting, or Lending Advice

Gregory O'Rourke does not provide legal, tax, accounting, or lending advice through these websites.

Nothing on the websites should be interpreted as:

• Legal advice or the creation of an attorney-client relationship
• Tax advice or tax return preparation
• Accounting advice
• Investment advice
• A commitment to lend money
• A loan approval or financing recommendation
• A guarantee that a transaction will close

Consult your attorney, CPA, tax professional, lender, financial professional, or other qualified advisor regarding your particular circumstances.

Accuracy of Website Information

We make reasonable efforts to provide useful and accurate information. However, insurance products, underwriting guidelines, lending requirements, carrier practices, laws, regulations, rates, forms, and market conditions may change without notice.

We do not warrant that all website information is complete, current, error-free, or applicable to every individual, business, state, insurance carrier, lender, or transaction.

Website content should not be relied upon as the sole basis for an insurance, financial, legal, tax, lending, or business decision.

User Responsibilities

By using the websites or submitting information, you agree to:

• Provide information that is accurate and complete to the best of your knowledge
• Update information when material facts change
• Use the websites only for lawful purposes
• Provide information only when you are authorized to do so
• Review insurance applications and documents for accuracy before signing
• Read the final insurance policy and related documents carefully
• Ask questions regarding provisions you do not understand
• Protect your passwords, devices, and communications from unauthorized access

You are responsible for the accuracy of information provided in an insurance application. Inaccurate, incomplete, or omitted information may affect underwriting, policy issuance, claims, benefits, or policy validity.

Information Submitted About Another Person

If you provide information concerning another person, business owner, employee, borrower, lender contact, or other third party, you represent that you are authorized to provide that information for the stated purpose.

Do not submit confidential, medical, financial, or identifying information concerning another person unless you have proper authorization.

Uploaded Documents and Sensitive Information

Certain forms may allow users to upload documents related to a loan, insurance requirement, business, or insurance inquiry.

Submit only documents reasonably necessary for the requested service. Unless specifically directed to use an approved secure process, do not submit:

• Social Security numbers
• Bank account or routing numbers
• Payment card information
• Passwords or login credentials
• Full medical records
• Unredacted tax returns
• Other highly sensitive personal information

We may delete unsolicited documents or information that are not needed to respond to an inquiry or provide requested services.

Telephone and Text Message Terms

When you voluntarily provide your telephone number and consent to communications, you authorize Gregory O'Rourke and service providers acting on his behalf to contact you regarding your inquiry, appointment, requested information, insurance application, or related services.

Communications may include telephone calls and text messages delivered through manual or automated technology, where permitted by law and consistent with the consent you provided.

Message frequency varies. Message and data rates may apply.

Reply STOP to a text message to opt out of further text messages. Reply HELP for assistance.

You may also withdraw your consent by contacting us directly. A request to stop text messages will not prevent us from communicating with you through another lawful method when necessary to respond to your request or service an existing insurance matter.

Consent to receive text messages is not a condition of purchasing an insurance product or service.

Mobile information and text-message consent will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes.

Mobile carriers are not responsible for delayed or undelivered messages.

Email Communications

By providing your email address, you authorize us to send communications concerning your inquiry, appointments, requested information, application, insurance options, or related services.

Marketing or promotional emails may include an unsubscribe option. You may also request removal from promotional email communications by contacting us directly.

Transactional, application-related, compliance-related, or servicing communications may still be sent when reasonably necessary to address an existing inquiry, appointment, transaction, or insurance matter.

Call Recording

Calls may be recorded or monitored for quality assurance, training, documentation, security, and compliance purposes where permitted by applicable law.

When legally required, notice or consent will be obtained before recording. If you do not wish to participate in a recorded call, please notify us and request another available method of communication.

Electronic Communications

By communicating with us electronically, you consent to receive communications electronically when permitted by law.

Electronic communications may include emails, text messages, website notices, appointment confirmations, document requests, and other electronic records.

You are responsible for maintaining a valid email address and telephone number and for reviewing communications sent to the contact information you provide.

Privacy

Your use of the websites is also governed by our Privacy Policy, which explains how information may be collected, used, protected, and shared.

The Privacy Policy is incorporated into these Terms and Conditions by reference.

Third-Party Websites and Services

The websites may contain links to or integrations with third-party websites, insurance carriers, lenders, scheduling systems, technology providers, social media platforms, or other services.

Third-party websites and services are governed by their own terms, privacy policies, security practices, and business procedures.

We do not control and are not responsible for:

• Third-party website content
• Third-party privacy or security practices
• Products or services offered by third parties
• Availability or operation of third-party systems
• Decisions made by insurance carriers, lenders, or other organizations

A link or reference to a third party does not necessarily constitute an endorsement, partnership, agency relationship, or guarantee.

Insurance Carrier and Lender Names

Insurance company, lender, government program, product, and service names may be referenced for informational purposes.

Unless expressly stated otherwise, those references do not imply that the referenced organization owns, sponsors, endorses, or operates these websites.

BusinessLoanProtection.com is not affiliated with or endorsed by the United States Small Business Administration or any government agency.

Intellectual Property

Unless otherwise stated, the website design, branding, written content, graphics, logos, downloadable materials, page layouts, and other original materials are owned by or licensed to Gregory O'Rourke and are protected by applicable intellectual property laws.

You may view and print website content for your personal or internal business use.

You may not, without prior written permission:

• Republish substantial portions of the website
• Copy website content for commercial use
• Modify or create derivative works from original materials
• Remove copyright, trademark, or ownership notices
• Use website content to misrepresent an affiliation or endorsement
• Sell, license, distribute, or exploit website materials

Acceptable Use

You may not use the websites to:

• Violate any applicable law or regulation
• Submit false, misleading, fraudulent, or unauthorized information
• Impersonate another person or organization
• Transmit malware, harmful code, or disruptive material
• Attempt to gain unauthorized access to website systems or data
• Interfere with website security, performance, or operation
• Harvest contact information or website data without authorization
• Send spam, unsolicited promotions, or abusive communications
• Use automated scraping, crawling, or data-extraction tools without permission

We may restrict or terminate access to the websites when we reasonably believe these Terms and Conditions have been violated.

Website Availability

We do not guarantee that the websites will always be available, uninterrupted, secure, or free from errors, viruses, delays, or technical problems.

Website access may be suspended or limited for maintenance, updates, security reasons, technical issues, events outside our control, or discontinuation of a service.

Disclaimer of Warranties

Some jurisdictions do not permit the exclusion of certain warranties. In those jurisdictions, the exclusions apply only to the extent permitted by law.

Limitation of Liability

This includes, without limitation, damages arising from:

• Reliance on website content
• Insurance underwriting or carrier decisions
• Loan approval, closing, or funding decisions
• Delays caused by third parties
• Errors or omissions in information provided by a user
• Loss of data, profits, opportunities, or business
• Unauthorized access to electronic communications
• Third-party websites, systems, products, or services
• Website interruptions or technical failures

Nothing in these Terms and Conditions excludes or limits liability that cannot legally be excluded or limited under applicable law.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Gregory O'Rourke from claims, liabilities, damages, losses, and reasonable expenses arising from:

• Your misuse of the websites
• Your violation of these Terms and Conditions
• Your violation of another person's rights
• False, misleading, incomplete, or unauthorized information you submit
• Your unlawful or unauthorized conduct

Changes to the Websites

We may modify, update, suspend, discontinue, or remove website content, services, forms, features, or links at any time without prior notice.

We are not obligated to maintain any particular webpage, service, product description, tool, or feature.

Changes to These Terms

We may update these Terms and Conditions periodically to reflect changes in our services, technology, business practices, or legal requirements.

Updated Terms and Conditions will be posted on this page with a revised effective date.

Your continued use of the websites after revised terms are posted constitutes acceptance of the revised Terms and Conditions.

Governing Law

These Terms and Conditions and your use of the websites shall be governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Any legal action arising from these Terms and Conditions or your use of the websites shall be brought in a court of competent jurisdiction in Florida, unless applicable law requires otherwise.

Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

The invalid or unenforceable provision will be interpreted or modified to the minimum extent necessary to make it enforceable where permitted by law.

No Waiver

A failure to enforce any provision of these Terms and Conditions does not constitute a waiver of that provision or the right to enforce it in the future.

Entire Agreement

These Terms and Conditions, together with the Privacy Policy and any additional written terms presented in connection with a specific service, constitute the agreement governing your use of the websites.

Contact Us

If you have questions about these Terms and Conditions, please contact: