Terms of Service

Last Updated: Jan. 30, 2026

These Terms and Conditions (“Terms”) govern your use of the website and services provided by Ulti-Brands, doing business as Usurance Financial (“Company,” “we,” “us,” or “our”). By accessing this website, you agree to these Terms.

1. Acceptance of Terms

By accessing or using Usurance Financial’s website, forms, or communications, you agree to these Terms of Service.

2. Services

Usurance Financial provides insurance-related information, education, and services, including life insurance, final expense, mortgage protection, and retirement planning.

3. SMS Terms

By opting in to receive SMS messages from Usurance Financial, you agree to receive text messages related to:

Insurance information
Appointment confirmations and reminders
Follow-up communications

Message frequency may vary.
Message and data rates may apply.
Reply STOP to opt out at any time.
Reply HELP for assistance or contact support@usurancefinancial.com.

Carriers are not liable for delayed or undelivered messages.

You must be 18 years or older to opt in to SMS communications.

4. No Guarantee or Financial Advice

Information provided by Usurance Financial is for informational purposes only and does not constitute legal, tax, or financial advice.

5. Limitation of Liability

Usurance Financial is not liable for any damages arising from the use of our website, services, or communications, to the fullest extent permitted by law.

6. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated by reference.

7. Modifications

We reserve the right to update these Terms at any time. Continued use constitutes acceptance of updated terms.

8. Contact Information

Email: support@usurancefinancial.com
Company: Usurance Financial