Effective Date: May 13, 2025

PBDC LLC
520 SE 5TH AVE STE 1613
FT LAUDERDALE, FL 33301
Phone: +1 954-816-1746
Email: [email protected]
Website: https://www.pbdcllc.com

1. Acceptance of Terms

By accessing or using our website and services, you agree to be bound by these Terms of Service and our Privacy Policy.

If you do not agree, you must not use our Services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use our Services.

3. Services Provided

PBDC LLC provides life insurance-related services, including:

- Insurance consultations

- Policy education and recommendations

- Quote generation and comparisons

- Appointment scheduling

- Customer support

All services are subject to applicable laws and availability.

4. No Financial or Legal Advice

Information provided is for general informational purposes only and does not constitute financial, legal, or tax advice.
You should consult a licensed professional before making decisions.

5. User Responsibilities

You agree to:

- Provide accurate information

- Use services lawfully

- Not interfere with systems or security

- Not attempt unauthorized access

6. SMS / TEXT MESSAGING TERMS (A2P & TCPA COMPLIANCE)

6.1 Consent to Receive Messages

By providing your mobile phone number and expressly opting in, you give prior express written consent to receive SMS messages from PBDC LLC.

Consent applies only to the phone number provided.

Consent is not a condition of purchase.

6.2 Types of Messages

PBDC LLC uses SMS messaging for customer care and account - related communications.

SMS messages may include:
- Appointment reminders
- Consultation confirmations
- Customer support communications
- Policy updates
- Account notifications

SMS consent is collected through individual unchecked checkboxes on website forms.

Message frequency may vary. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.

Consent is not a condition of purchase.

6.3 Opt-In Disclosure (REQUIRED FOR WEBSITE FORMS)

When opting in, you will see language similar to:

By checking this box, you agree to receive SMS messages from PBDC LLC related to appointment reminders, customer support, account notifications, policy updates, and other service-related communications. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out at any time or HELP for assistance. Consent is not a condition of purchase.

Users are also provided access to our Privacy Policy and Terms of Service before submitting their information.

6.4 Message Frequency

Message frequency varies depending on your interaction with us.

6.5 Message & Data Rates

Standard message and data rates may apply.

6.6 Opt-Out Instructions

You may opt out at any time by replying:

STOP

You may also request removal by contacting us:

Phone: +1 954-816-1746
Email: [email protected]

You may receive one final confirmation message after opting out.

6.7 Help Instructions

Reply HELP for assistance or contact us directly.

6.8 Data Use & Protection

- We do not sell, rent, or share mobile numbers or SMS opt-in data for marketing purposes

- Data is used only to provide requested services

- Information may be shared with trusted service providers (CRM, messaging platforms) solely to operate services

6.9 Carrier Compliance

Our messaging practices comply with applicable laws and industry standards, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.

Carriers are not liable for delayed or undelivered messages

6.10 Opt-In Requirements

- Consent must be obtained via a clear, unchecked checkbox

- Consent must be separate from other agreements

- Consent must not be pre-selected

6.11 Double Opt-In (When Applicable)

We may send a confirmation message to verify your subscription before sending additional messages.

7. Payments (If Applicable)

- Accurate billing information is required

- Payments are processed securely

- Pricing will be disclosed prior to purchase

8. Intellectual Property

All content is owned by PBDC LLC and protected by applicable laws. Unauthorized use is prohibited.

9. Third-Party Links

We are not responsible for third-party websites or services.

10. Privacy

Your use of our Services is governed by our Privacy Policy.

11. Termination

We may suspend or terminate access for violations of these Terms or applicable laws.

12. Limitation of Liability

We are not liable for indirect or consequential damages to the fullest extent permitted by law.

13. Indemnification

You agree to indemnify PBDC LLC against claims arising from:

- Your use of services

- Violation of these Terms

- Violation of laws or third-party rights

14. Governing Law

These Terms are governed by the laws of the State of Florida. Disputes will be handled in Broward County, Florida.

15. Changes to Terms

We may update these Terms at any time. Continued use constitutes acceptance.

16. Contact Information

PBDC LLC
520 SE 5TH AVE STE 1613
FT LAUDERDALE, FL 33301

Phone: +1 954-816-1746
Email: [email protected]
Website: https://www.pbdcllc.com