These Terms and Conditions (the “Terms”) govern your access to and use of all websites, forms, services, communications, and related offerings provided by RCA Financial LLC and Robert Adams (collectively, “RCA Financial,” “we,” “us,” or “our”). By accessing or using our services in any manner, including submitting any form or requesting information, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Last Updated: March 12, 2026
Our services are intended for use only by individuals who are at least 18 years of age. By accessing or using our websites, submitting any form, or engaging with RCA Financial in any way, you represent and warrant that you are 18 years of age or older and that you have the legal capacity to enter into these Terms. If you are under 18, you are strictly prohibited from using our services.
Robert Adams is a licensed insurance agent in 15 U.S. states. Insurance product availability, recommendations, and services may be limited by state law, licensing status, and other regulatory requirements. Nothing on our websites or in our communications should be interpreted as a solicitation or offer of insurance in any state or jurisdiction where Robert Adams or RCA Financial LLC is not properly licensed or authorized to operate.
Licensing information and the specific states in which Robert Adams is currently licensed are available upon request and may also be disclosed in state-required notices, disclosures, or licensing references provided during the consultation or application process.
By submitting any form on our websites, landing pages, or other digital properties, or by otherwise providing your telephone number or email address to RCA Financial LLC, you acknowledge and agree that you are providing your prior express written consent under the Telephone Consumer Protection Act (TCPA) and applicable 10DLC and carrier rules to receive the following from Robert Adams and RCA Financial LLC at the contact information you provide:
Your consent to receive text messages, calls, or emails from RCA Financial LLC is not limited to any specific transaction and may apply to ongoing education, follow-up, and promotional communications regarding our services and related offerings, subject to your right to opt out at any time as described below.
Your consent to receive marketing or transactional SMS/MMS messages, calls, or emails from RCA Financial LLC is not a condition of purchasing any goods or services. You may obtain a quote, consultation, or service from RCA Financial LLC even if you choose not to consent to receive automated marketing communications. Where required, alternative contact methods will be made available to you.
By opting in to receive SMS/MMS messages from RCA Financial LLC, you understand and agree that:
You may opt out of receiving SMS/MMS marketing or informational messages from RCA Financial LLC at any time by following these instructions:
Please note that opting out of SMS/MMS messages will not necessarily stop all communications from RCA Financial LLC. We may still contact you via email, phone, or other methods as permitted by law and as reasonably necessary to service any existing policies, respond to your requests, or fulfill legal or regulatory obligations.
You agree that all information you provide to RCA Financial LLC, whether through online forms, phone calls, SMS/MMS, or other channels, is truthful, accurate, and complete to the best of your knowledge. You are responsible for promptly notifying us of any changes to your contact information, including your mobile telephone number and email address, to ensure proper delivery of important notices related to your inquiries or policies.
Information provided by RCA Financial LLC, whether through our website, consultations, written materials, SMS/MMS messages, emails, or calls, is for general informational and educational purposes only. It should not be construed as legal, tax, or investment advice. You should consult with your own attorney, tax professional, or financial advisor regarding your specific situation before making any legal, tax, or investment decisions.
Quotes, illustrations, or recommendations provided by RCA Financial LLC are based on the information you provide and the underwriting guidelines of third‑party insurance carriers. Submitting a request for information or a quote does not guarantee that coverage will be issued or that any specific product, rate, or benefit will be available. All applications are subject to the carrier’s underwriting, approval, and policy terms and conditions.
All content on our websites and in our communications, including text, graphics, logos, icons, images, and software, is owned by or licensed to RCA Financial LLC and is protected by applicable intellectual property laws. You may access and use our websites and content solely for your personal, non-commercial use in evaluating our services. Any unauthorized reproduction, distribution, modification, or exploitation of our content is strictly prohibited.
To the maximum extent permitted by law, RCA Financial LLC and Robert Adams disclaim all warranties, express or implied, related to the operation of our websites and the information, content, and services provided. Our services are provided on an “as is” and “as available” basis without warranties of any kind, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non‑infringement.
In no event shall RCA Financial LLC, Robert Adams, or their officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our websites, services, or communications, even if advised of the possibility of such damages. Certain jurisdictions do not allow limitation of liability for certain damages, so some of the above limitations may not apply to you.
These Terms and any dispute or claim arising out of or relating to them, your use of our services, or our communications shall be governed by and construed in accordance with the laws of the state in which RCA Financial LLC is primarily domiciled, without regard to its conflict of laws principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in that state for the resolution of any such disputes, subject to any applicable arbitration or alternative dispute resolution provisions agreed upon in writing.
RCA Financial LLC may update or modify these Terms, our SMS/MMS programs, or our communications practices at any time to reflect changes in law, regulation, carrier requirements, or our business operations. When we make material changes, we will update the “Last Updated” date at the top of this page. Your continued use of our websites, services, or messaging programs after any such changes constitutes your acceptance of the revised Terms.
If you have any questions about these Terms, our SMS/MMS and call practices, or your communication preferences, you may contact RCA Financial LLC using the contact information provided on our primary website or in our official communications. We encourage you to retain a copy of these Terms for your records.