Terms & Conditions

Effective Date:03/06/2025

Welcome to **DreamTeam GFI - 5J ENTERPRISE**. By accessing and using our services, you agree to comply with and be bound by the following Terms and Conditions.

1. Services Provided

DreamTeam GFI operates as a broker-dealer for life insurance services. We do not provide loans, credit services, or financial advisory services outside of life insurance policies.

2. User Responsibilities

• You must be at least 18 years old to use our services.


• Users must provide accurate and up-to-date information when engaging with our services.


• Unauthorized reproduction, resale, or misuse of any part of our services is strictly prohibited.

3. Consent to Electronic Communication

By submitting your information, you consent to receive SMS and email notifications, including appointment reminders and promotional messages.

Opt-Out Policy: You may unsubscribe from communications at any time by replying **STOP** to SMS messages or emailing us at [email protected].

4. Messaging & Compliance

DreamTeam GFI complies with **10DLC A2P messaging standards** and ensures that all communications adhere to industry regulations.

5. HIPAA Compliance

We follow strict **HIPAA guidelines** to ensure the security of sensitive health-related information. Our system employs **encryption, access controls, and secure storage** for all protected data.

6. E-Signature Policy

By using our platform, you acknowledge and agree that electronic signatures have the same legal standing as physical signatures under the **E-SIGN Act**.

7. Liability Disclaimer

DreamTeam GFI is not responsible for losses, damages, or liabilities arising from the use of our services. Clients are responsible for reviewing policy terms before purchasing any insurance products.

8. Amendments

We reserve the right to update these Terms and Conditions at any time. Continued use of our services constitutes acceptance of the revised terms.

9. Contact Information

📧 **Email:** [email protected]

📞 **Phone:** (408) 775-3518

📍 **Address:** 516 W. Shaw Avenue, Suite 200, Fresno, CA 93704