Effective Date: June 23, 2026

Welcome to the website of Codey Clay ("we," "our," or "us"). By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use this website.

Services Provided

This website is intended to provide information regarding life insurance products, financial protection strategies, appointment scheduling, and related services.

Information provided on this website is for informational purposes only and does not constitute legal, tax, financial, or insurance advice.

No Guarantee of Coverage

Submitting information through this website does not guarantee insurance coverage, policy issuance, approval, pricing, or eligibility.

Insurance products are subject to underwriting approval, policy terms, conditions, limitations, and availability.

User Responsibilities

By using this website, you agree that:

• Information you provide is accurate and truthful.
• You are at least 18 years of age or otherwise legally authorized to submit information.
• You will not use the website for unlawful or fraudulent purposes.
• You will not attempt to interfere with the operation or security of the website.

SMS Communications and Consent

By providing your phone number through this website, you expressly consent to receive calls and text messages from Codey Clay regarding appointment scheduling, insurance inquiries, policy information, customer service, and related communications.

Message frequency may vary.

Message and data rates may apply.

Consent is not a condition of purchase.

You may opt out of SMS communications at any time by replying STOP to any text message. For assistance, reply HELP or contact us directly.

Intellectual Property

All website content, including text, graphics, logos, images, and other materials, is owned by or licensed to Codey Clay and may not be copied, reproduced, distributed, or used without prior written permission.

Third-Party Links

This website may contain links to third-party websites. We are not responsible for the content, policies, or practices of any third-party website.

Limitation of Liability

To the fullest extent permitted by law, Codey Clay shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from the use of this website or reliance upon information provided on this website.

No Professional Advice

The content on this website is intended for general informational purposes only. Visitors should consult qualified professionals regarding legal, tax, financial, or insurance matters.

Privacy

Your use of this website is also governed by our Privacy Policy. By using this website, you consent to the collection and use of information as described in the Privacy Policy.

Modifications

We reserve the right to modify these Terms of Service at any time without prior notice. Updated versions will be posted on this page with a revised effective date.

Governing Law

These Terms of Service shall be governed by and interpreted in accordance with the laws of the State of California, without regard to conflict of law principles.

Contact Information

Codey Clay
Licensed Life Insurance Agent
California Insurance License #4537910
San Francisco, California

Email: [email protected]
Phone: 510-629-9117

Insurance Disclosure

Codey Clay is a licensed insurance agent authorized to offer insurance products where properly licensed. Insurance products are subject to underwriting approval and policy terms. Nothing on this website should be interpreted as a guarantee of coverage, benefits, or future policy performance.