Terms of Service

Last Updated: March 2025 | Horizon Blue Advisors — Horizon Blue Group LLC

1. Acceptance of Terms

By accessing and using the Horizon Blue Advisors website (www.horizonblueg.com) and its services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of SMS Program and Messaging Use Cases

Horizon Blue Advisors (Horizon Blue Group LLC) operates an SMS text messaging program to communicate with clients and prospective clients. Our SMS program is used for the following messaging use cases:

Messages are sent only to users who have explicitly opted in by completing our web form and checking the SMS consent checkbox.

3. Instructions to Opt-Out — Text STOP

To stop receiving SMS text messages from Horizon Blue Advisors at any time, simply reply STOP to any message you receive from us. You will receive a final confirmation message and will be immediately and permanently removed from our messaging list. No further messages will be sent after your opt-out is confirmed.

4. Support Contact Information

For support, questions, or assistance related to our SMS messaging program or any of our services:

5. Disclosures for Message and Data Rates

Message and data rates may apply to all SMS text messages sent to and received from Horizon Blue Advisors. The specific rates depend on your mobile device, carrier, and service plan. Please check with your mobile carrier for information about applicable charges for sending and receiving text messages on your plan.

6. Carrier Liability Disclaimer

Mobile carriers and telecommunications providers are not liable for delayed or undelivered messages. Horizon Blue Advisors is not responsible for any charges incurred by message recipients as a result of receiving our SMS communications, nor for messages that are delayed, undelivered, or otherwise affected by carrier network issues beyond our reasonable control.

7. Age Restriction — 18+

This SMS messaging service and all services provided by Horizon Blue Advisors are intended exclusively for individuals who are 18 years of age or older. By opting in to our SMS messaging program or using our services, you confirm and represent that you are at least 18 years old. We do not knowingly provide services to or collect information from minors.

8. Links to Privacy Policy

The collection, use, and protection of your personal information — including your SMS opt-in data — is governed by our Privacy Policy, which is available at:

https://www.horizonblueg.com/privacy-policy.html

We do not sell, rent, or share your SMS opt-in information or phone number with third parties for their own marketing purposes.

9. Service Description and Licensing

Horizon Blue Advisors is a division of Horizon Blue Group LLC, providing insurance advisory services including life insurance, home protection, and financial planning. We operate under the Latinos Unidos network of agencies with licensed agents in the United States. Our primary insurance carrier partner is American Amicable Group, with over 100 years of industry experience.

10. Disclaimer

Information on this website is provided for general informational purposes only and does not constitute legal, financial, or tax advice. Individual circumstances vary, and we recommend a personalized consultation — available at no cost — before making any financial or insurance decisions.

11. Limitation of Liability

Horizon Blue Group LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of this website or reliance on information contained herein.

12. Contact Information

For any questions or concerns about these Terms of Service:

Horizon Blue Group LLC
Orlando, Florida, United States
Email: rafaelmba@horizonblueg.com
Website: www.horizonblueg.com

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