Terms & Conditions

Terms and Conditions for Opting In and Online Purchases - No Refunds Policy

Effective Date: [02/24/2025]

Welcome to [Elite Insurance and Financial Services INC.]. These Terms and Conditions ("Terms") govern your purchase of products through our online store. By completing a purchase, you agree to be bound by these Terms.

General 1.1 These Terms constitute a legally binding agreement between you ("Customer," "you," or "your") and [Elite Insurance and Financial Services INC.] ("Company," "we," "us," or "our").

1.2 By placing an order on our website, you confirm that you have read, understood, and agreed to these Terms.

Products 2.1 We strive to provide accurate descriptions and images of our products. However, we do not warrant that product descriptions or other content on the website are accurate, complete, reliable, current, or error-free.

2.2 All products are subject to availability, and we reserve the right to limit the quantity of products we supply, supply only part of an order, or to divide orders for delivery.

Pricing and Payment 3.1 All prices listed on our website are in [USD] and are subject to change without notice.

3.2 Payment must be made in full at the time of ordering using the payment methods provided on our website.

3.3 You agree to provide current, complete, and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

No Refunds 4.1 All sales are final. We do not accept returns or offer refunds for any products purchased through our online store.
SMS Opt-In By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from ELITE INSURANCE AND FINANCIAL SERVICES, INC. This includes SMS messages for appointment scheduling, appointment reminders, post-visit instructions, lab notifications, and billing notifications. Message frequency varies. Message and data rates may apply. See privacy policy at [Privacy Policy URL]. Message HELP for help. Reply STOP to any message to opt out.
Limitation of Liability 6.1 To the fullest extent permitted by law, our Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your purchase of any products through our website.
Governing Law 7.1 These Terms and any separate agreements whereby we provide you products shall be governed by and construed in accordance with the laws of [United States of America/Florida].
Changes to Terms and Conditions 8.1 We reserve the right to update, change, or replace any part of these Terms by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms constitutes acceptance of those changes.
Contact Information 9.1 For questions about our Terms and Conditions, please contact us at:

[Elite Insurance and Financial Services INC.] 930 Northwest Hwy, Mt. Prospect, IL, 60056, USA Info@eliteinsurancenow.com

847 749-3189

By opting in or making a purchase on our website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.