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Terms of Service

PEH Financial Services  |  Effective: 2026-05-07  |  Last Updated: 2026-05-07

Overview

PEH Financial Services ("Company," "we," "us," or "our") provides insurance consultation, Medicare planning, Legacy Planning, and related financial services. PEH Financial Services is a DBA of F & P Employees Financial Advocates LLC (EIN 46-3719326), a Georgia limited liability company. By using our website, forms, or SMS communications, you agree to these Terms of Service.

SMS Messaging Terms

PEH Financial Services provides SMS text message communications for the following purposes:

  • Appointment confirmations and reminders.
  • Follow-up communications regarding your consultation or inquiry.
  • Legacy Planning and financial service information (for those who have opted in to marketing messages).
  • General account and service updates.

To opt out: You can cancel SMS service at any time. Reply STOP to any message you receive from us, or text STOP to the number from which you received the message. After sending STOP, we will send a confirmation that you have been unsubscribed. You will no longer receive SMS messages from us. To re-subscribe, sign up again as you did the first time.

For assistance: If you experience issues with our messaging program, reply with the keyword HELP for more assistance, or contact us directly at pamela@pehfinancial.com or (678) 926-8640.

Carrier liability: Carriers are not liable for delayed or undelivered messages.

Message and data rates: Message and data rates may apply for messages sent to you and from you. Message frequency varies based on your activity and the type of communications you have consented to receive. Contact your wireless provider if you have questions about your text plan or data plan.

Privacy: For questions regarding privacy, please read our Privacy Policy.

Use of Services

Our services are intended for individuals seeking insurance, Medicare planning, and Legacy Planning information. You agree to:

  • Provide accurate and complete information when using our forms or services.
  • Use our services only for lawful purposes.
  • Not misrepresent your identity or information.

Age Restriction

Our services and SMS communications are intended for individuals 18 years of age or older. We do not knowingly market to, solicit, or collect personal information from individuals under the age of 18, and we do not send SMS messages to phone numbers belonging to minors. By using our website, opting in to receive SMS messages, or otherwise engaging with our services, you represent and warrant that you are at least 18 years old. If we become aware that we have received personal information from an individual under 18, we will delete that information promptly.

Intellectual Property

All content on our website and communications, including text, graphics, logos, and service descriptions, is the property of F & P Employees Financial Advocates LLC (DBA PEH Financial Services) and protected by applicable copyright and trademark laws.

Disclaimers

Information provided through our website and communications is for general informational purposes. It does not constitute legal, tax, or financial advice. Always consult a licensed professional for specific guidance related to your situation.

Limitation of Liability

F & P Employees Financial Advocates LLC (DBA PEH Financial Services) shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or reliance on information provided.

Governing Law

These Terms of Service are governed by the laws of the State of Georgia, without regard to its conflict of law provisions.

Changes to Terms

We may update these Terms of Service at any time. The "Last Updated" date at the top reflects the most recent revision. Continued use of our services constitutes acceptance.

Contact Us

PEH Financial Services a DBA of F & P Employees Financial Advocates LLC
1500 Lily Valley Dr, Lawrenceville, GA 30045
Email: pamela@pehfinancial.com
Phone: (678) 926-8640
Website: pehfinancial.com
PEH Financial Services © 2026 PEH Financial Services. All rights reserved.
Pamela Hoggard, Licensed Insurance Professional.
PEH Financial Services is a DBA of F & P Employees Financial Advocates LLC, EIN 46-3719326.
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