Effective Date: 03/11/2026

Welcome to the website of Freedom Financial Benefit Advisors, LLC, also referred to as FFBA or F&F Benefit Advisors. These Terms of Service govern your access to and use of ffbainsurance.com and related online services.

By accessing or using this website, submitting a form, requesting information, or communicating with us through the website, you agree to these Terms of Service. If you do not agree, please do not use the website.

1. About FFBA

Freedom Financial Benefit Advisors, LLC provides educational guidance and brokerage-related support for insurance and related financial protection products. Services may include assistance with insurance inquiries, quotes, comparisons, applications, renewals, policy questions, appointment coordination, and related client support, subject to licensure, carrier availability, geography, and applicable law.

2. Website Use

You may use this website only for lawful purposes and in a manner consistent with these Terms.

You agree not to:

Use the website in violation of applicable law

Submit false, misleading, or fraudulent information

Attempt to interfere with website functionality or security

Use the site to transmit harmful code or unauthorized material

Copy, scrape, reproduce, or exploit website content for unauthorized commercial purposes

We may suspend or restrict access if we believe the website is being used improperly or unlawfully.

3. Informational Purposes Only

The content on this website is provided for general informational and educational purposes only. It is intended to help users understand insurance-related topics and available services.

Nothing on this website should be treated as a guarantee of eligibility, enrollment, coverage, policy issuance, rates, savings, or approval.

Submitting a form, requesting a quote, contacting FFBA, or speaking with an FFBA representative does not guarantee:

Eligibility for a plan or program

Enrollment in a plan

Approval of an application

Issuance of a policy

Availability of specific coverage, benefits, pricing, or provider access

Actual terms depend on carrier rules, underwriting, plan availability, network limitations, service area, licensure, geography, and applicable law.

4. No Legal, Tax, or Financial Advice

FFBA provides insurance-related guidance and brokerage support. Unless expressly stated otherwise in a separate written agreement, FFBA does not provide legal advice, tax advice, investment advice, or financial planning advice.

You should consult your own attorney, tax professional, financial advisor, or other qualified professional regarding matters outside the scope of insurance guidance.

5. Carrier and Third-Party Materials

Insurance products, benefits, rates, provider networks, underwriting, eligibility criteria, and policy terms are determined by insurance carriers, program administrators, and applicable law.

Official carrier or policy documents control over general website summaries. Users should carefully review carrier materials, plan documents, outlines of coverage, policy forms, and other official materials for complete details.

6. Availability of Services

FFBA may assist individuals in multiple states or jurisdictions, but services are offered only where permitted by licensure, carrier appointment, product availability, and applicable law. Nothing on this website should be interpreted as an offer or solicitation in any jurisdiction where such activity is not authorized.

7. User Responsibilities

By using this website, you agree that:

Information you provide will be accurate and current to the best of your knowledge

You will use the site only for legitimate personal or business inquiry purposes

You are responsible for reviewing official carrier and policy materials before making decisions

You understand that insurance products and approvals are subject to third-party rules and determinations

8. Communications Consent

By voluntarily submitting your contact information, starting a conversation with FFBA, scheduling an appointment, requesting information, or otherwise engaging with us, you consent to receive communications from FFBA related to your request, inquiry, or client relationship, as permitted by applicable law.

These communications may include phone calls, emails, and text messages related to:

Insurance inquiries

Requested information

Quotes and comparisons

Appointment reminders

Policy-related updates

Coverage-related questions

Related support and service communications

Consent to receive phone calls or text messages is not a condition of purchase.

You may opt out of text messages at any time by replying STOP, or request help by replying HELP. You may also contact FFBA directly at (610) 904-5405 or [email protected].

9. Mobile Messaging Terms

Your use of FFBA’s text messaging communications is also subject to the Mobile Messaging Terms below in Section 16 of these Terms.

10. Intellectual Property

All content on this website, including text, branding, logos, graphics, layout, and design elements, is owned by or used with permission by FFBA and is protected by applicable intellectual property laws.

You may view and use the website for personal, non-commercial use only. You may not reproduce, distribute, modify, republish, or create derivative works from website content without prior written permission, except as allowed by law.

11. Third-Party Links

This website may contain links to third-party websites or services. FFBA does not control and is not responsible for third-party content, products, services, security, or privacy practices. Accessing third-party sites is at your own risk.

12. Disclaimer of Warranties

This website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the fullest extent permitted by law.

FFBA does not warrant that:

The website will always be available, uninterrupted, secure, and error-free

Content will always be complete, current, or free of inaccuracies

Any inquiry, quote, or request will lead to a particular result

Any plan, product, or service will be available in your area or situation

13. Limitation of Liability

To the fullest extent permitted by law, FFBA and its owners, representatives, affiliates, service providers, and licensors will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to:

Your use of or inability to use the website

Reliance on website content

Third-party carrier decisions or actions

Delays, interruptions, or errors in communications

Inaccuracies in information supplied by users or third parties

If liability is imposed despite the foregoing, FFBA’s total liability for claims arising out of website use will be limited to the maximum extent permitted by applicable law.

14. Indemnification

You agree to indemnify, defend, and hold harmless FFBA and its owners, representatives, affiliates, contractors, and service providers from claims, damages, liabilities, costs, and expenses arising out of:

Your violation of these Terms

Your misuse of the website

Your submission of inaccurate, unlawful, or unauthorized information

Your violation of another person’s rights or applicable law

15. Changes to These Terms

FFBA may update these Terms from time to time. Updated Terms will be posted on this page with a revised Effective Date. Continued use of the website after changes are posted constitutes your acceptance of the updated Terms to the extent permitted by law.

16. Mobile Messaging Terms

By providing your mobile number and opting in, or by initiating a text conversation with FFBA regarding your inquiry or service needs, you agree to receive text messages from Freedom Financial Benefit Advisors, LLC related to your insurance inquiry, requested information, quotes, appointments, policy updates, and related support.

Types of messages

Messages may include:

• Responses to your inquiry

• Requested insurance information

• Quote follow-up

• Appointment reminders or scheduling

• Policy or service updates

• Coverage-related support messages

Important disclosures

• Message frequency may vary

• Message and data rates may apply

• Reply STOP to opt out

• Reply HELP for help

• Consent is not a condition of purchase

• Wireless carriers are not liable for delayed or undelivered messages

FFBA does not send unrelated cold outreach texts. Messages are intended to be relevant to your request, service needs, or client relationship.

For help, contact:
Phone: (610) 904-5405
Email: [email protected]

Your information will be handled in accordance with our Privacy Policy, including the statement that mobile opt-in data and consent are not shared with third parties for their own marketing purposes.

17. Governing Law

These Terms are governed by the laws of Pennsylvania, without regard to conflict of laws principles, except where federal law or another applicable law requires otherwise.

18. Contact Information

If you have questions about these Terms, contact:

Freedom Financial Benefit Advisors, LLC
1101 Hamilton St, Allentown, PA 18101
Email: [email protected]
Phone: (610) 904-5405

Mobile Messaging Terms

Effective Date: 03/11/2026

By providing your mobile number to Freedom Financial Benefit Advisors, LLC, also referred to as FFBA or F&F Benefit Advisors, and opting in to receive text messages, or by initiating a text conversation regarding your inquiry or service needs, you agree to receive SMS messages from FFBA.

- Program Description

FFBA uses text messaging to communicate with individuals who request information or interact with FFBA regarding insurance-related services and support.

- Types of Messages You May Receive

You may receive text messages related to:

• Insurance inquiries

• Requested information

• Quote requests and follow-up

• Appointment reminders or scheduling

• Policy-related updates

• Coverage-related questions

• Related client service and support communications

FFBA does not use text messaging for unrelated cold outreach.

- Message Frequency

Message Frequency may vary based on your inquiry, request, appointment activity, policy service needs, and ongoing client relationship.

- Charges

Message and data rates may apply depending on your mobile carrier and plan.

- Opt-Out

You may opt out of text messages at any time by replying STOP.

You may also request to stop text communications by contacting us directly at:
Phone: (610) 904-5405
Email: [email protected]

We will honor opt-out requests promptly.

- Help

For help, reply HELP or contact us at:
Phone: (610) 904-5405
Email: [email protected]

- Consent

Your consent to receive text messages is not a condition of purchase.

- Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

- Privacy

Your privacy is important to us. Mobile opt-in data, consent, and phone numbers collected for SMS communications will not be sold, rented, shared, or disclosed to third parties or affiliates for their own marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with third parties for their own marketing purposes.

For more information, please review our Privacy Policy.