Terms & Conditions

Last Updated: 02/11/2026

Welcome to Atlas Private Risk ("Company," "we," "our," or "us"). By accessing our website, submitting information through our forms, or using our services, you agree to these Terms & Conditions.

1. SMS Program Description

Atlas Private Risk provides text messaging communications to consumers who request information regarding life insurance products and services.

Text messages may include:

• Insurance inquiry responses

• Appointment scheduling and appointment reminders

• Application status updates

• Underwriting communications

• Policy review reminders

• Customer service communications

• Marketing and promotional messages where separate consent has been provided

Message frequency varies.

2. SMS Opt-In

Consumers opt in to receive text messages by submitting a website form and selecting the applicable consent checkbox(es) prior to form submission.

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

3. SMS Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying:

STOP

to any text message received from Atlas Private Risk.

After opting out, you will no longer receive SMS messages unless you provide new consent.

4. SMS Help Instructions

For assistance regarding our messaging program, reply:

HELP

or contact Atlas Private Risk directly using the contact information listed below.

5. Message and Data Rates

Message frequency varies.

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

6. Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

Delivery is subject to effective transmission by your mobile carrier and may be affected by factors outside of Atlas Private Risk's control.

7. Age Restriction

Our services and SMS communications are intended for individuals who are at least 18 years of age.

We do not knowingly collect information from individuals under the age of 18.

8. Privacy Policy

Your use of our website and services is also governed by our Privacy Policy.

Privacy Policy:

https://atlasprivaterisk.com/privacy-policy

By using this website or opting into communications, you acknowledge that you have reviewed and agree to our Privacy Policy.

9. Website Use

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

Insurance products are subject to underwriting approval, carrier guidelines, eligibility requirements, and state availability.

Submission of information through this website does not guarantee insurance approval or coverage.

10. Intellectual Property

All website content, including text, graphics, logos, images, and design elements, is the property of Atlas Private Risk unless otherwise stated.

No content may be copied, reproduced, distributed, or used without prior written permission.

11. Limitation of Liability

Atlas Private Risk shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website or reliance upon information contained herein.

Your sole remedy for dissatisfaction with this website is to discontinue its use.

12. Changes to These Terms

Atlas Private Risk reserves the right to modify these Terms & Conditions at any time.

Changes become effective immediately upon posting to this website.

13. Contact Information

Atlas Private Risk

1173 S 250W 101A

St. George, UT 84770

Email: atlasprivaterisk@gmail.com

Phone: (509) 699-0098

Terms & Conditions