Terms of Service
Last Updated: January 1st, 2026
1. Introduction
These Terms of Service (“Terms”) govern your use of the services provided by Pablo Ballesteros, a sole proprietorship operating in Miami-Dade County, Florida (“we,” “us,” or “our”). By accessing our website, booking an appointment, or communicating with us via phone, SMS, or other electronic means, you agree to be bound by these Terms.
If you do not agree with these Terms, please do not use our services.
2. Business Information
Business Name: Pablo Ballesteros
Business Structure: Sole Proprietorship
Address: 3105 NW 107 Ave, Suite 503B, Doral, FL 33172
Email: [email protected]
Phone: (786) 875-6506
3. Nature of Services
Pablo Ballesteros is a licensed life insurance agent providing free insurance quotes, consultations, and policy information to individuals within the United States.
We do not:
Collect insurance premiums
Process payments directly
Issue insurance policies
All insurance products are issued, underwritten, and administered by third-party insurance carriers.
4. No Professional Guarantees
All information provided is for educational and informational purposes only.
We do not guarantee:
Approval for coverage
Specific policy terms
Pricing, rates, or underwriting outcomes
Final eligibility, coverage, and pricing decisions are made solely by the insurance carrier.
5. Eligibility
You must:
Be 18 years of age or older
Reside within the United States
Services are not available outside the U.S.
6. Appointments, Cancellations & No-Shows
Appointments may be scheduled, rescheduled, or canceled through our booking system or by contacting us directly.
There are:
No cancellation fees
No no-show fees
Repeated no-shows may result in limited future booking availability.
7. SMS & Electronic Communications
By submitting your contact information through our website or booking system, you consent to receive SMS messages, phone calls, and emails related to:
Appointment confirmations and reminders
Follow-ups and ongoing conversations
Insurance-related notifications
Promotional or informational messages (when applicable)
Messaging Details
Messaging may be automated, manual, or both
Messaging services are delivered using GoHighLevel (GHL) and related communication platforms
Message and data rates may apply depending on your mobile carrier
Opt-Out
You may opt out at any time by replying STOP to any SMS message.
Opting out may limit our ability to provide appointment reminders or follow-ups.
8. Third-Party Services
We may use third-party tools, platforms, or carriers to provide our services. We are not responsible for interruptions, errors, or service issues caused by third-party providers beyond our control.
9. Limitation of Liability
To the fullest extent permitted by law, Pablo Ballesteros shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use or inability to use our services
Insurance carrier decisions
Delays or communication failures
Reliance on information provided during consultations
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles.
11. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Updates will be effective upon posting on this page. Continued use of our services constitutes acceptance of any changes.
12. Contact Information
For questions regarding these Terms, please contact:
📧 [email protected]
📞 (786) 875-6506