Terms of Service
Effective Date: January 1, 2026 • Last Updated: 2026
These Terms of Service ("Terms") govern your use of the website pamelaheist.com and the communications you receive from Pamela Heist ("we," "us," or "our"). By using this website, submitting a form, or opting in to receive messages, you agree to these Terms.
About Pamela Heist
Pamela Heist is a licensed insurance agent providing custom financial strategies, including mortgage protection, indexed universal life (IUL), and annuities. When you opt in, you can expect to receive messages such as appointment confirmations, appointment reminders, account and service updates, responses to your inquiries, and, if you consent separately, marketing messages about our services and offers.
SMS / Text Messaging Terms
By providing your phone number and checking a consent box on one of our forms, you agree to receive text messages in the category you selected from Pamela Heist. Consent is not a condition of purchase, and the consent checkboxes are always optional.
- Canceling the service: You can cancel the SMS service at any time. Just text "STOP" to +1 747-252-5517. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
- Getting help: If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at pheinstien@gmail.com or +1 747-252-5517.
- Carrier liability: Carriers are not liable for delayed or undelivered messages.
- Rates and frequency: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
- Privacy: If you have any questions regarding privacy, please read our Privacy Policy.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, except for aggregators and providers of the text message services who help deliver those messages.
Use of This Website
The content on this website is provided for general informational purposes only. It does not constitute financial, legal, tax, or insurance advice, and it does not create an agent-client relationship on its own. You agree to use this website lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to any part of it.
No Guarantees
Insurance and financial products involve risk, and outcomes depend on your individual circumstances, the carrier, and the specific product selected. We do not guarantee any particular result, return, eligibility, or approval. Any examples or figures shown are illustrative and are not promises of future performance. Insurance products are not FDIC insured.
Intellectual Property
All content on this website, including text, graphics, logos, and design, is owned by or licensed to Pamela Heist and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute it without prior written permission.
Limitation of Liability
To the fullest extent permitted by law, Pamela Heist will not be liable for any indirect, incidental, or consequential damages arising out of your use of this website or your reliance on its content. Your use of the website is at your own risk.
Changes to These Terms
We may update these Terms from time to time to reflect changes in our practices or applicable law. The "Last Updated" date above reflects the most recent revision. Your continued use of the website after changes are posted means you accept the updated Terms.
Contact Us
If you have any questions about these Terms, you can reach us at:
- Email: pheinstien@gmail.com
- Phone: +1 747-252-5517