Terms & Conditions
These Terms & Conditions apply to Torres Meridian LLC, operating as Verlux Financial.
These Terms & Conditions (“Terms”) govern your use of the Verlux Financial website and services. Verlux Financial is an independent insurance agency assisting consumers with health, life, dental, vision, and other insurance coverage options. By accessing or using our website or services, you agree to these Terms. Participation in our SMS messaging program requires separate affirmative consent as described below.
For information about how we collect, use, and protect personal information, please review our Privacy Policy.
These Terms & Conditions should be read together with our Privacy Policy, which describes how we handle your mobile information.
About Our Services
Verlux Financial provides information and assistance related to insurance products and coverage options. We help consumers understand and compare available coverage and assist with the application and enrollment process where applicable. Eligibility, pricing, benefits, availability, and plan terms vary based on the product, consumer circumstances, geographic area, and applicable insurance carrier. Coverage and benefits are governed by the official policy, plan documents, carrier requirements, and applicable eligibility or enrollment requirements. Information provided by Verlux Financial does not guarantee eligibility, enrollment, benefits, pricing, or coverage.
SMS Messaging Terms
Verlux Financial may send SMS text messages to consumers who provide their mobile number and affirmatively consent to receive texts (for example, by checking an SMS consent checkbox on our forms). Entering a phone number alone does not enroll you in text messaging.
Messages you may receive can include:
- Responses to coverage requests and questions
- Appointment confirmations and reminders
- Scheduling and rescheduling communications
- Enrollment and application updates
- Customer service communications
- Marketing communications, only where separate marketing consent has been provided
Message frequency varies. Message and data rates may apply.
Reply STOP at any time to stop receiving text messages from Verlux Financial.
Reply HELP for assistance or contact us at info@verluxfinancial.com.
Consent to receive marketing text messages is not a condition of purchasing any product or service.
Carriers are not liable for delayed or undelivered messages.
For details on how we handle your mobile information, please review our Privacy Policy.
Use of This Website
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party. The content on this website is provided for general informational purposes only and does not constitute insurance, legal, tax, or financial advice. You should not rely on any information on this website as a substitute for professional advice or the official terms of any insurance policy.
Third-Party Websites and Services
Our website may contain links to third-party websites, platforms, or services (such as scheduling tools, carriers, or enrollment platforms) that are not owned or controlled by Verlux Financial. We are not responsible for the content, privacy practices, or availability of any third-party websites or services. Accessing third-party websites is at your own risk, and we encourage you to review the terms and privacy policies of any third party you interact with.
Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the effective date at the top of this page. Your continued use of our website or services after changes are posted constitutes your acceptance of the updated Terms.
Contact Us
If you have any questions about these Terms, you may contact us at:
Verlux Financial
Email: info@verluxfinancial.com
Website: verluxfinancial.com
Please also review our Privacy Policy.