Terms of Service

1. About HRP Financial

HRP Financial is a division of Heritage Range Partners, a financial services and marketing business based in Bushland, Texas. We provide information about life insurance, retirement income strategies, and related financial protection products to individuals and families.

Kyle Ellison is a licensed insurance professional operating in the state of Texas. Services offered through this website are subject to applicable state and federal regulations governing the sale of insurance and financial products.

2. Acceptance of Terms

By visiting hrpfinancial.com, submitting a form, scheduling a consultation, or otherwise using this website, you agree to be bound by these Terms of Service and our Privacy Policy. These terms apply to all visitors, leads, and clients who access the site.

We reserve the right to update these terms at any time. Continued use of the site after updates constitutes acceptance of the revised terms.

3. Not Financial or Legal Advice

The content on this website is provided for general informational and educational purposes only. Nothing on this site constitutes:

• Investment advice or recommendations
• Legal advice or legal opinions
• Tax advice (consult a qualified CPA or tax attorney)
• A guarantee of any financial outcome or insurance benefit

All insurance product illustrations, projections, and examples are for educational purposes only. Actual results will vary based on individual circumstances, product terms, and market conditions. Always review policy documents carefully before making any financial decisions.

4. Insurance Licensing and Regulatory Compliance

HRP Financial operates in compliance with Texas Department of Insurance regulations. Kyle Ellison holds applicable insurance licenses required to discuss and sell life insurance and related products in the state of Texas.

Products discussed on this site may not be available in all states. Availability, pricing, and product features vary by carrier, state, and individual underwriting. Nothing on this site constitutes a binding insurance contract or guarantee of insurability.

5. Use of This Website

You agree to use this website only for lawful purposes. You agree not to:

• Submit false, misleading, or fraudulent information through any form
• Attempt to access restricted areas or systems of this website
• Use automated tools to scrape, crawl, or harvest data from this site
• Interfere with the security or proper functioning of the website
• Reproduce or distribute content from this site without written permission

6. Forms and Lead Submissions

When you submit a form on this website, you are requesting to be contacted by HRP Financial regarding financial services. By submitting your contact information, you consent to:

• Being contacted by phone, text, or email at the information you provide
• Receiving follow-up educational communications related to life insurance and financial planning
• Having your information stored in our customer relationship and email marketing systems

You may opt out of email communications at any time using the unsubscribe link included in every message. You may request removal of your contact information by emailing us directly.

7. Scheduling and Consultations

Scheduling a call or consultation through this website (including via Calendly) does not create a client relationship or obligate either party to any agreement. Consultations are provided at no charge and are intended to help determine whether our services may be a fit for your situation.

HRP Financial reserves the right to decline or reschedule consultations at its discretion.

8. Third-Party Links and Services

This website may contain links to third-party websites including Calendly, Brevo, and social media platforms. These links are provided for convenience only. HRP Financial does not control, endorse, or take responsibility for the content, privacy practices, or terms of any third-party site.

Your use of third-party services is governed by their respective terms and policies.

9. Intellectual Property

All content on this website — including text, graphics, logos, layout, and copy — is the property of Heritage Range Partners or its licensors and is protected by applicable copyright and trademark laws.

You may not reproduce, redistribute, or create derivative works from any content on this site without prior written permission from HRP Financial.

10. Disclaimer of Warranties

This website and its content are provided “as is” without warranties of any kind, express or implied. HRP Financial does not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

We make no warranties regarding the accuracy, completeness, or suitability of any information on this site for any particular purpose.

11. Limitation of Liability

To the fullest extent permitted by law, Heritage Range Partners and HRP Financial shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or reliance on any information provided herein.

This limitation applies regardless of whether the claim is based on contract, tort, negligence, or any other legal theory, even if we have been advised of the possibility of such damages.

12. Governing Law

These Terms of Service are governed by the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising from the use of this website shall be resolved in the courts of Randall County, Texas, or the applicable federal court serving that jurisdiction.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

14. Contact

If you have questions about these Terms of Service or want to report a concern, please contact us directly.