Terms & Conditions
Effective Date: May 13, 2026
Welcome to Visible Financial Group LLC ("Company," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our websites (visiblefinancialgroup.com, visibleiq.com, and related subdomains), our applications, lead forms, and all related services, including but not limited to insurance quoting, client communications via phone, email, and text message (SMS/MMS), and our technology platform VisibleIQ.
By accessing our websites, submitting a lead form, requesting a quote, or otherwise using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.
1. Services
Visible Financial Group LLC is a licensed life and health insurance agency. We provide:
- Life insurance quoting and comparison across multiple carriers
- Insurance application processing and policy placement
- Educational content about life insurance, final expense, and mortgage protection products
- Technology tools for insurance agents (VisibleIQ platform)
- Automated follow-up and communication via phone, email, and text message
We are not an insurance carrier. We are an independent insurance agency that works with multiple carriers to find coverage options for our clients.
2. Eligibility
You must be at least 18 years of age to use our services. By using our services, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.
3. SMS / Text Message Terms
By providing your mobile phone number and consenting to receive text messages from Visible Financial Group LLC, you agree to the following terms:
3.1 Consent to Receive Messages
When you submit your phone number through our website, a Facebook/Meta lead generation form, or any other intake method and provide consent (by checking a consent box, clicking a submit/CTA button, or otherwise opting in), you expressly agree to receive recurring autodialed and/or pre-recorded marketing and informational text messages (SMS and MMS) from Visible Financial Group LLC at the mobile number you provided. You understand that:
- Consent is not required as a condition of purchasing any goods or services
- You may receive messages about insurance quotes, appointment reminders, policy updates, introductions from your assigned Benefits Coordinator, and promotional content about our insurance products and services
- Messages may be sent using an automated telephone dialing system or pre-recorded voice
3.2 Message Frequency
Message frequency varies. During active quoting, application processing, or onboarding, you may receive several messages per week. During ongoing service periods, message frequency will be lower (approximately 2–4 messages per month). Promotional messages may be sent periodically.
3.3 Message and Data Rates
Standard message and data rates may apply. Check with your mobile carrier for details about your text messaging plan. Visible Financial Group LLC is not responsible for any fees charged by your wireless provider.
3.4 Opt-Out
You may opt out of text messages at any time by texting STOP to any message received from us. Upon receiving your STOP request, we will send you a single confirmation message, and you will be removed from our messaging list. No further messages will be sent unless you re-opt in.
3.5 Help
For assistance with our text messaging program, text HELP to any message received from us. You can also contact us at support@visiblefinancialgroup.com or call (443) 961-9393.
3.6 Supported Carriers
Our SMS messaging service is compatible with all major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.
3.7 No Third-Party SMS Sharing
We will not share your opt-in consent or phone number with any third parties for their own marketing or promotional SMS/MMS messaging purposes.
4. How You Opt In to Receive Messages
You may opt in to receive text messages from Visible Financial Group LLC through any of the following methods:
- Website Lead Forms: By entering your mobile phone number and clicking "Get My Free Quote," "Submit," "Request Information," or a similar call-to-action button on our website (visiblefinancialgroup.com, visibleiq.com, or related landing pages), where the form includes consent language stating you agree to receive text messages from Visible Financial Group LLC.
- Facebook/Meta Lead Forms: By submitting your information through a Facebook or Instagram lead generation ad operated by Visible Financial Group LLC, where the form includes consent language and a link to this Terms & Conditions page and our Privacy Policy.
- In-Person or Verbal Consent: By verbally providing your mobile phone number and consenting to receive text messages during a phone call or in-person interaction with a Visible Financial Group LLC representative.
- Text-to-Join: By texting a keyword (e.g., "QUOTE" or "INFO") to our business number, thereby initiating the messaging relationship.
All opt-in methods present clear disclosure that by providing your phone number, you consent to receive recurring autodialed marketing and informational text messages from Visible Financial Group LLC. Consent is always optional and is not required to receive a quote or purchase any product.
5. Insurance Disclaimers
- All insurance products are subject to underwriting approval by the issuing carrier. Coverage, terms, rates, and availability vary by state, carrier, and individual circumstances.
- Visible Financial Group LLC is not affiliated with any government program, Medicare, Medicaid, or Social Security.
- Quotes provided are estimates only and do not constitute a binding offer of coverage.
- We recommend consulting with a licensed insurance professional before making any insurance decisions.
- Dushawn Spencer is a licensed life and health insurance agent. Maryland License #2105295 | NPN: 16861621.
6. Intellectual Property
All content on our websites and platforms — including text, graphics, logos, images, software, and design — is the property of Visible Financial Group LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without express written permission.
7. User Accounts (VisibleIQ Platform)
If you create an account on the VisibleIQ platform, you are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to notify us immediately of any unauthorized use. We reserve the right to suspend or terminate accounts that violate these Terms.
8. Limitation of Liability
To the fullest extent permitted by law, Visible Financial Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services, websites, or communications. Our total liability for any claim shall not exceed the amount you have paid to us, if any, in the twelve (12) months preceding the claim.
9. Indemnification
You agree to indemnify and hold harmless Visible Financial Group LLC, its officers, employees, agents, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of our services or violation of these Terms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Maryland, without regard to conflict of law principles. Any legal disputes shall be resolved in the courts of Prince George's County, Maryland.
11. Changes to These Terms
We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the revised Terms.
12. Contact Information
For questions about these Terms, please contact us:
Visible Financial Group LLC
12410 Stonehaven Ln, Bowie, MD 20715
Email: support@visiblefinancialgroup.com
Phone: (443) 961-9393
Website: visiblefinancialgroup.com