Terms & Conditions
Last updated: September 19, 2026
Agreement to Terms
These Terms & Conditions ("Terms") govern your use of the Changari Financial Partners website and any communications you have with us through this site, including our chat widget and SMS text messaging program. By using this website, you agree to these Terms. If you do not agree, please do not use this website.
Educational Purpose Only
The content on this website is provided for general educational and informational purposes only. It does not constitute financial, tax, legal, or insurance advice, and should not be relied upon as a substitute for consultation with a licensed professional regarding your specific situation.
No Guarantee of Coverage or Results
Nothing on this website constitutes an offer, quote, or guarantee of insurance coverage, rates, or policy terms. Actual product availability, features, rates, and underwriting outcomes are determined by the issuing insurance carrier and may vary based on your individual circumstances and state of residence.
Independent Agency
Changari Financial Partners is an independent insurance agency. We are not affiliated with, endorsed by, or sponsored by any government agency, including the Social Security Administration or Medicare, unless explicitly stated.
SMS Text Messaging Program & Consent
Program Description
The Changari Financial Partners SMS program allows you to communicate with us by text message about the insurance-related inquiry you submitted through our website, chat widget, or contact forms. By providing your mobile number and opting in, you consent to receive text messages from Changari Financial Partners at the number you provided. Messages sent through this program may include:
- Replies to questions or requests you submitted through our website or chat widget
- Appointment scheduling, confirmations, and reminders
- Follow-ups regarding your quote request or insurance inquiry
- Requests for information needed to assist you
- Updates related to your application or policy, where applicable
Consent
By submitting your contact information or opting in through our chat widget or forms, you expressly consent to be contacted by Changari Financial Partners by phone, email, and SMS text message regarding your inquiry. Consent to receive text messages is not a condition of purchasing any product or service.
Message Frequency, Rates & Support
Message frequency varies based on your inquiry and interactions with us. Message and data rates may apply. For help, reply HELP to any message or contact us at (917) 385-4307.
How to Opt Out
You may opt out at any time by replying STOP to any text message. You may also reply CANCEL, UNSUBSCRIBE, END, or QUIT. After you opt out, you will receive one confirmation message and no further messages will be sent unless you opt in again.
Age Requirement
You must be at least 18 years old to opt in to our SMS program. By opting in, you confirm that you are 18 years of age or older.
Carrier Liability Disclaimer
Wireless carriers and their affiliates are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier and is not guaranteed.
Privacy
Your privacy is important to us. For details on how we collect, use, and protect your information, please review our Privacy Policy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Use of This Website
You must be at least 18 years of age to use this website or submit your information through it. You agree to use this website only for lawful purposes. You may not use this website to submit false or misleading information, to impersonate another person, or to attempt to disrupt or interfere with the operation of the site.
Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Changari Financial Partners or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.
Third-Party Links
This website may contain links to third-party websites. We do not control and are not responsible for the content, privacy practices, or terms of any third-party site.
Limitation of Liability
To the fullest extent permitted by law, Changari Financial Partners shall not be liable for any indirect, incidental, or consequential damages arising from your use of this website or reliance on any information provided through it. Wireless carriers are not liable for delayed or undelivered messages.
Changes to These Terms
We may update these Terms from time to time. Continued use of this website after changes are posted constitutes your acceptance of the revised Terms.
Governing Law
These Terms are governed by the laws of the state in which Changari Financial Partners operates, without regard to conflict of law principles.
Contact Us
If you have questions about these Terms or our SMS program, please contact us:
Changari Financial Partners
5359 Kusnick Ave, Kusnick Avenue
Phone: (917) 385-4307
Agent: Sumeet Chanagri