Terms of Use

Effective Date: January 10, 2026
Last Updated: January 10, 2026

1. Introduction and Acceptance of Terms

Welcome to the website and services of Faithland Investments & Financial Services, Inc. (doing business as “Steve Soyebo Insurance Agency”), a Texas corporation.

Business Information:

• Legal Entity: Faithland Investments & Financial Services, Inc.
• DBA: Steve Soyebo Insurance Agency
• Physical Address: 9730 Southwest Fwy, Suite 222, Houston, TX 77074
• Email: office@stevesoyebo.com
• Phone: (713) 773-9300
• Business Hours: Monday-Friday, 10:00 AM to 5:00 PM CST

These Terms of Use (“Terms”) constitute a legally binding agreement between you (“you,” “your,” or “User”) and Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency (“we,” “us,” “our,” or “Company”).

By accessing, browsing, or using our website, mobile applications, services, or any other platforms or touchpoints (collectively, the “Services”), you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy, which is incorporated herein by reference.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.

2. Scope and Applicability

These Terms apply to:

2.1 All Users

• Prospective customers seeking insurance quotes or information
• Current policyholders and clients
• Former customers and clients
• Website visitors and browsers
• Mobile app users
• Individuals who contact us via phone, email, text message, chat, or social media
• Walk-in visitors to our physical office
• Business partners, vendors, and B2B contacts
• Job applicants
• Any other individual or entity accessing or using our Services

2.2 All Platforms and Channels

• Our website(s) and any affiliated domains, subdomains, or microsites
• Mobile applications (current and future)
• Social media pages and profiles (Facebook, LinkedIn, Twitter, Instagram, etc.)
• Email communications and newsletters
• SMS/text messaging services
• Telephone communications
• Live chat and messaging platforms
• Online portals and customer account systems
• In-person consultations and office visits
• Third-party platforms where our services are offered or integrated

3. Modifications to Terms

We reserve the right to modify, amend, update, or replace these Terms at any time, at our sole discretion, for any reason, including but not limited to:

• Changes in applicable laws or regulations
• Updates to our business practices or service offerings
• Technological advancements
• Security enhancements
• User feedback or industry best practices

3.1 Notice of Changes

When we make changes to these Terms:

• We will update the “Last Updated” date at the top of this document
• Material changes will be communicated via:
  • Prominent notice on our website homepage
  • Email notification to registered users
  • In-app notification (for mobile app users)
  • Text message notification (for significant changes)
• The revised Terms will be effective immediately upon posting unless otherwise specified

3.2 Your Responsibility

It is your responsibility to:

• Review these Terms periodically for changes
• Check the “Last Updated” date to identify recent modifications
• Cease using our Services if you do not agree to the updated Terms

Your continued use of our Services after changes are posted constitutes your acceptance of the revised Terms.

4. Eligibility and User Requirements

4.1 Age Requirement

You must be at least 18 years of age to use our Services, submit quote requests, apply for insurance coverage, or enter into binding agreements with us.

If you are under 18 years of age:

• You may browse informational content on our website with parental supervision
• You may not submit forms, create accounts, or request quotes
• You may not enter into contracts or agreements
• A parent or legal guardian must act on your behalf for all insurance transactions

4.2 Legal Capacity

By using our Services, you represent and warrant that:

• You have the legal capacity to enter into binding contracts
• You are not prohibited by law from using our Services
• You will use our Services only for lawful purposes
• All information you provide is accurate, current, and complete
• You will maintain and update your information as necessary

4.3 Geographic Restrictions

Our Services are intended for users located in the United States, with primary focus on residents of Texas and surrounding states where we are licensed to conduct business.

If you are located outside the United States:

• Our Services may not be available to you
• We may not be licensed to provide insurance services in your jurisdiction
• You use our Services at your own risk
• You are responsible for compliance with local laws

4.4 Account Registration

If you create an account or online profile with us:

• You must provide accurate and complete registration information
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account
• You must notify us immediately of any unauthorized use or security breach
• You may not share your account credentials with others
• You may not create multiple accounts or use another person’s account without authorization
• We reserve the right to suspend or terminate accounts that violate these Terms

5. Use of Services and Acceptable Use Policy

5.1 Permitted Uses

You may use our Services to:

• Browse informational content about insurance products and services
• Request insurance quotes and proposals
• Compare coverage options and pricing
• Submit insurance applications
• Manage existing insurance policies
• File and track insurance claims
• Make premium payments
• Access your policy documents and information
• Contact us for customer service and support
• Subscribe to newsletters and educational content
• Participate in surveys and feedback opportunities

5.2 Prohibited Uses

You may NOT use our Services to:

Illegal Activities:

• Violate any federal, state, local, or international law or regulation
• Engage in fraudulent activities, including insurance fraud
• Provide false, misleading, or deceptive information
• Impersonate any person or entity
• Forge headers or manipulate identifiers to disguise the origin of content
• Engage in money laundering or terrorist financing

Harmful Activities:

• Upload, post, or transmit viruses, malware, or malicious code
• Attempt to gain unauthorized access to our systems, networks, or databases
• Launch denial-of-service attacks or overwhelm our systems
• Reverse engineer, decompile, or disassemble our software or applications
• Use automated tools (bots, scrapers, crawlers) without our written permission
• Interfere with or disrupt the integrity or performance of our Services
• Probe, scan, or test the vulnerability of our systems

Abusive Activities:

• Harass, threaten, intimidate, or abuse our staff, agents, or other users
• Use profane, offensive, or discriminatory language
• Stalk or attempt to exploit or harm minors
• Send spam, unsolicited communications, or chain letters
• Engage in any form of harassment or hate speech

Intellectual Property Violations:

• Infringe upon our intellectual property rights or those of third parties
• Copy, reproduce, distribute, or publicly display our content without authorization
• Remove or modify copyright notices, trademarks, or proprietary markings
• Use our trademarks, logos, or branding without written permission

Competitive Activities:

• Use our Services to benefit a competing business
• Systematically extract data for competitive analysis
• Recruit our employees or agents without authorization
• Reverse engineer our business processes or methodologies

Misuse of Information:

• Use information obtained from our Services for purposes other than obtaining insurance
• Share or sell personal information of other users
• Use our Services to compile marketing lists or databases
• Contact other users for commercial purposes without authorization

5.3 Monitoring and Enforcement

We reserve the right, but have no obligation, to:

• Monitor use of our Services for compliance with these Terms
• Investigate suspected violations
• Remove or disable access to content that violates these Terms
• Suspend or terminate accounts that engage in prohibited activities
• Report suspected illegal activities to law enforcement
• Cooperate with legal investigations and regulatory inquiries
• Take legal action against violators

5.4 Consequences of Violations

If you violate these Terms, we may:

• Issue a warning or request that you cease the prohibited activity
• Temporarily suspend your access to our Services
• Permanently terminate your account and access
• Refuse to provide insurance services to you
• Cancel existing insurance policies (subject to applicable law)
• Withhold refunds or charge penalties
• Report you to insurance industry databases (e.g., fraud databases)
• Pursue civil or criminal legal action
• Seek monetary damages, injunctive relief, and attorney’s fees

6. SMS/Text Messaging Terms and Conditions

6.1 Business Description and Message Types

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency is an independent insurance agency providing comprehensive insurance services including auto, home, life, health, and commercial insurance.

By opting in to receive text messages from us, you agree to receive SMS messages that may include:

• Insurance quotes and policy proposals
• Policy renewal reminders and notifications
• Payment due date reminders and confirmations
• Claims status updates and notifications
• Important policy changes and updates
• Coverage expiration notices
• Promotional offers and discounts
• Educational content and insurance tips
• Event invitations and announcements
• Customer satisfaction surveys
• Security alerts and fraud notifications
• Appointment reminders and confirmations

Message frequency varies based on your activity and preferences. Message and data rates may apply depending on your mobile carrier plan.

6.2 How to Cancel SMS Service

You can cancel the SMS service at any time. Just text “STOP” to (713) 773-9300.

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.

Alternative ways to opt-out:

• Email us at office@stevesoyebo.com
• Call us at (713) 773-9300 during business hours (Monday-Friday, 10:00 AM to 5:00 PM CST)

6.3 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:

• Email: office@stevesoyebo.com
• Phone: (713) 773-9300 (Monday-Friday, 10:00 AM to 5:00 PM CST)
• Mail: 9730 Southwest Fwy, Suite 222, Houston, TX 77074

6.4 Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

Mobile carriers are not responsible for:

• Delayed message delivery
• Undelivered messages
• Message delivery failures
• Network outages or service interruptions
• Data charges incurred from receiving messages

6.5 Consent and Agreement

By opting in to receive text messages, you:

• Consent to receive recurring automated marketing and informational text messages
• Acknowledge that consent is not a condition of purchase
• Agree to provide a valid mobile phone number
• Agree that message and data rates may apply
• Understand that message frequency varies
• Agree to notify us if your phone number changes
• Acknowledge that you can opt-out at any time by texting “STOP”

6.6 Supported Carriers

Our SMS service is available on most major carriers including:

• AT&T
• Verizon Wireless
• T-Mobile
• Sprint
• Boost Mobile
• Cricket Wireless
• MetroPCS
• U.S. Cellular
• Virgin Mobile
• And other major carriers

Note: Service may not be available on all carriers. Check with your carrier for compatibility.

6.7 Privacy and Data Protection

Your mobile phone number and text messaging information are governed by our Privacy Policy. We do not share your mobile information with third parties for marketing or promotional purposes. For complete details on how we protect your information, please review our Privacy Policy.

7. Insurance Services and Transactions

7.1 Nature of Our Services

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency operates as an independent insurance agent and broker. We:

• Represent multiple insurance carriers and companies
• Provide quotes, recommendations, and comparisons from various insurers
• Facilitate the application and underwriting process
• Assist with policy issuance, servicing, and claims
• Act as an intermediary between you and insurance carriers

We are NOT an insurance company. We do not underwrite, issue, or assume risk on insurance policies. All coverage is provided by third-party insurance carriers.

7.2 No Guarantee of Coverage

Important: Using our Services, requesting a quote, or submitting an application does NOT guarantee that:

• You will be offered insurance coverage
• Any particular carrier will accept your application
• Coverage will be issued at the quoted premium
• You will qualify for specific coverage options or discounts
• Your application will be processed within a specific timeframe

All insurance coverage is subject to:

• Underwriting approval by the insurance carrier
• Review of your application and supporting documentation
• Verification of information provided
• Inspection of property (for property insurance)
• Motor vehicle reports and driving records (for auto insurance)
• Medical examinations and health history (for life and health insurance)
• Credit checks and financial review
• Compliance with carrier underwriting guidelines
• State insurance regulations and filing requirements

7.3 Quotes Are Estimates Only

All quotes provided through our Services are estimates only and are subject to change based on:

• Accuracy and completeness of information provided
• Underwriting review and risk assessment
• Changes in your circumstances or information
• Carrier rate changes or rule modifications
• Inspection findings or additional information
• Credit score or claims history
• Market conditions and availability of coverage

A quote is NOT a binder or commitment of coverage. Coverage does not take effect until:

• The application is approved by the carrier
• Premium payment is received and processed
• A policy is issued and delivered
• The effective date specified in the policy has arrived

7.4 Accuracy of Information

You represent and warrant that all information you provide to us is:

• True, accurate, complete, and current
• Not misleading or deceptive in any way
• Provided in good faith
• Updated promptly if circumstances change

Providing false or misleading information may result in:

• Denial of coverage
• Cancellation or rescission of existing policies
• Denial of claims
• Loss of premium payments
• Inclusion in insurance fraud databases
• Civil or criminal prosecution
• Legal liability for damages

7.5 Your Responsibilities

When using our insurance services, you are responsible for:

• Providing complete and accurate information
• Reading and understanding all policy documents
• Asking questions if you do not understand coverage terms
• Reviewing quotes and proposals carefully
• Comparing coverage options and making informed decisions
• Paying premiums on time
• Complying with policy terms and conditions
• Notifying us of changes in your circumstances
• Reporting claims promptly
• Cooperating with underwriting and claims investigations
• Maintaining required documentation

7.6 Coverage Becomes Effective Only Upon Policy Issuance

CRITICAL NOTICE: You are NOT covered by insurance until:

1. Your application has been approved by the insurance carrier
2. Premium payment has been received and processed
3. A policy has been issued in your name
4. The policy effective date has arrived
5. You have received confirmation of coverage

Do NOT assume you have coverage based solely on:

• Requesting a quote
• Submitting an application
• Making a payment
• Receiving a binder request (unless confirmed by the carrier)
• Verbal statements from our staff

Always confirm coverage is in effect before relying on it.

7.7 Policy Documents Control

In the event of any conflict or discrepancy between:

• Information on our website
• Quotes or proposals we provide
• Verbal statements by our staff
• Marketing materials or advertisements
• AND the actual insurance policy documents

The insurance policy documents shall control. The policy issued by the insurance carrier is the binding contract that defines coverage, exclusions, limitations, and conditions.

7.8 Premium Payments

You agree to pay all premiums when due according to the payment schedule and method specified in your policy.

Payment terms:

• Premiums may be paid via credit card, debit card, ACH/electronic check, personal check, or money order
• Automatic recurring payments may be set up with your authorization
• Late payments may result in policy cancellation or lapse of coverage
• Returned payments may incur fees and result in cancellation
• You are responsible for ensuring sufficient funds are available for payments
• Premium finance charges may apply if you choose installment payments

We reserve the right to:

• Require payment in full before binding coverage
• Refuse certain payment methods
• Change payment terms with notice
• Charge fees for returned payments or late payments
• Cancel policies for non-payment in accordance with state law

7.9 Cancellations and Refunds

Policy cancellations are governed by:

• The terms and conditions of your insurance policy
• State insurance laws and regulations
• Insurance carrier rules and procedures

Cancellation requests must be:

• Submitted in writing (email or mail)
• Signed by the policyholder or authorized representative
• Received during our business hours
• Processed according to the policy terms

Refunds (if applicable) are subject to:

• Carrier refund policies and minimum earned premium rules
• Short-rate or pro-rata cancellation terms
• Deduction of fees, penalties, or outstanding balances
• Processing time (typically 30-60 days)
• State insurance regulations

We do not control or guarantee refunds. Refunds are issued by the insurance carrier according to their policies and procedures.

7.10 Claims Assistance

We provide assistance with filing and managing insurance claims, but:

• We do NOT determine coverage or adjust claims
• We do NOT guarantee claim payment or settlement amounts
• Claims decisions are made solely by the insurance carrier
• We act as your advocate but cannot override carrier decisions
• You are responsible for cooperating with claims investigations
• Fraud or misrepresentation in claims may result in denial and prosecution

8. Intellectual Property Rights

8.1 Our Intellectual Property

All content, materials, features, and functionality available through our Services, including but not limited to:

• Website design, layout, graphics, and user interface
• Text, articles, blog posts, and written content
• Images, photographs, videos, and multimedia
• Logos, trademarks, service marks, and trade names
• Software, code, algorithms, and applications
• Forms, calculators, and interactive tools
• Databases and compilations of information
• Audio recordings and podcasts

Are owned by Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, our licensors, or other third-party content providers, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

8.2 Trademarks

The following are trademarks or service marks of Faithland Investments & Financial Services, Inc.:

• Steve Soyebo Insurance Agency
• Faithland Investments & Financial Services, Inc.
• Our logos, designs, and branding elements

You may NOT use our trademarks without our prior written permission. Unauthorized use may constitute trademark infringement and unfair competition in violation of federal and state laws.

8.3 Limited License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our Services for personal, non-commercial purposes
• View and print content for your personal use in connection with obtaining insurance services
• Download materials explicitly made available for download

This license does NOT permit you to:

• Modify, copy, reproduce, republish, or distribute our content
• Create derivative works based on our content
• Use our content for commercial purposes
• Frame, mirror, or display our website on another website
• Use automated tools to access or extract content
• Remove copyright notices or proprietary markings
• Reverse engineer any software or technology

8.4 Third-Party Content and Links

Our Services may contain content, links, or references to third-party websites, services, products, or resources that are not owned or controlled by us.

We do NOT:

• Endorse or assume responsibility for third-party content
• Control or monitor third-party websites
• Guarantee the accuracy, completeness, or reliability of third-party information
• Warrant the quality or safety of third-party products or services

You acknowledge and agree that:

• Third-party links are provided for your convenience only
• You access third-party websites at your own risk
• We are not responsible for third-party privacy practices or terms of use
• Third-party trademarks and intellectual property belong to their respective owners

8.5 User-Generated Content

If you submit content to our Services (such as reviews, testimonials, comments, photos, or feedback), you:

Grant us a license:

• Worldwide, non-exclusive, royalty-free, perpetual, irrevocable license
• To use, reproduce, modify, adapt, publish, translate, distribute, and display your content
• In any media or format (current or future)
• For any purpose related to our business operations, including marketing and advertising

Represent and warrant that:

• You own or have rights to the content you submit
• Your content does not violate any third-party rights
• Your content does not contain defamatory, offensive, or illegal material
• You have obtained necessary consents and releases

You retain ownership of your content, but:

• We may continue to use it even after you delete it or terminate your account
• We are not obligated to use or display your content
• We may remove or modify your content at any time without notice

8.6 Digital Millennium Copyright Act (DMCA)

We respect intellectual property rights and comply with the Digital Millennium Copyright Act (DMCA).

If you believe your copyrighted work has been infringed: Contact our designated DMCA agent:

DMCA Agent:
Faithland Investments & Financial Services, Inc.
9730 Southwest Fwy, Suite 222
Houston, TX 77074
Email: office@stevesoyebo.com
Phone: (713) 773-9300

Your notice must include:

• Your physical or electronic signature
• Identification of the copyrighted work claimed to be infringed
• Identification of the infringing material and its location on our Services
• Your contact information (address, phone, email)
• A statement that you have a good faith belief the use is unauthorized
• A statement that the information is accurate and you are authorized to act on behalf of the copyright owner

Counter-Notification: If your content was removed due to a DMCA notice and you believe it was removed in error, you may submit a counter-notification to our DMCA agent with the required information under the DMCA.

9. Disclaimers and Limitations of Liability

9.1 “AS IS” and “AS AVAILABLE” Disclaimer

OUR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties that our Services will be uninterrupted, timely, secure, or error-free
• Warranties regarding the results or outcomes from using our Services
• Warranties that defects or errors will be corrected
• Warranties regarding third-party content or linked websites

9.2 No Professional Advice Disclaimer

Information on our Services is for general informational purposes only and does NOT constitute:

• Legal advice or legal representation
• Financial planning or investment advice
• Tax advice or tax preparation services
• Actuarial or risk management advice
• Personalized recommendations specific to your situation

We are NOT:

• Attorneys or legal professionals
• Financial advisors or investment advisors
• Tax preparers or CPAs
• Medical professionals

You should consult qualified professionals for advice specific to your circumstances.

9.3 No Guarantee of Results

We make no guarantees or promises regarding:

• Approval of insurance applications
• Availability of specific coverage or pricing
• Savings or cost reductions
• Claim payments or settlement amounts
• Speed of service or turnaround times
• Availability of customer service or support
• Business outcomes or satisfaction

9.4 Third-Party Actions

We are NOT responsible for:

• Actions or failures of insurance carriers, underwriters, or third-party service providers
• Decisions made by insurance companies regarding coverage, claims, or underwriting
• Delays in processing caused by third parties
• Errors or omissions by insurance companies or their representatives
• Changes in carrier policies, rates, or availability
• Service interruptions by telecommunications or internet providers
• Third-party website content, privacy practices, or security

9.5 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, its officers, directors, employees, agents, affiliates, and licensors SHALL NOT BE LIABLE FOR:

Direct Damages:

• Loss of profits or revenue
• Loss of data or information
• Loss of business opportunities
• Costs of substitute services

Indirect, Incidental, Consequential, or Punitive Damages:

• Even if we have been advised of the possibility of such damages
• Regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise)
• Including damages arising from:
  • Use or inability to use our Services
  • Unauthorized access to your information
  • Errors or omissions in content
  • Third-party conduct or content
  • Insurance coverage denials or limitations
  • Claims disputes or settlement amounts

TOTAL LIABILITY CAP: Our total aggregate liability to you for all claims arising from or related to these Terms or your use of our Services shall not exceed the greater of:

• The total premiums you have paid to us in the 12 months preceding the claim, OR
• One hundred dollars ($100)

9.6 Exceptions to Limitations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

These limitations do NOT apply to:

• Liability that cannot be excluded or limited by law
• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Violations of consumer protection laws that prohibit limitation of liability

9.7 Basis of the Bargain

You acknowledge that the limitations of liability set forth in this Section 9 are fundamental elements of the basis of the bargain between you and us, and that we would not be able to provide the Services on an economically reasonable basis without these limitations.

10. Indemnification

You agree to defend, indemnify, and hold harmless Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, partners, contractors, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including but not limited to attorney’s fees and court costs) arising from or related to:

1. Your use of our Services, including:
   • Your access to or use of our website, applications, or platforms
   • Your submission of information through our Services
   • Your communications with us or insurance carriers
2. Your violation of these Terms, including:
   • Any breach of your representations and warranties
   • Violation of acceptable use policies
   • Infringement of intellectual property rights
3. Your violation of applicable laws or regulations, including:
   • Insurance fraud or misrepresentation
   • TCPA violations or spam complaints
   • Privacy law violations
   • Any other legal or regulatory violations
4. Your content and information, including:
   • User-generated content you submit
   • False or misleading information you provide
   • Copyright or trademark infringement
5. Third-party claims arising from:
   • Your actions or omissions
   • Your relationship with insurance carriers
   • Disputes with other users

This indemnification obligation survives termination of these Terms and your use of our Services.

We reserve the right to:

• Assume exclusive defense and control of any matter subject to indemnification
• Require your cooperation in defending such claims
• Settle claims at our sole discretion

You may not settle any claim that affects us without our prior written consent.

11. Dispute Resolution and Arbitration

11.1 Informal Dispute Resolution

Before filing a formal claim, you agree to first contact us to attempt to resolve the dispute informally by sending a written description of your dispute to:

Faithland Investments & Financial Services, Inc.
Attn: Legal Department
9730 Southwest Fwy, Suite 222
Houston, TX 77074
Email: office@stevesoyebo.com

We will attempt to resolve the dispute informally within 60 days. If we are unable to resolve your dispute within 60 days, you may pursue your claim through arbitration or litigation as described below.

11.2 Binding Arbitration

YOU AND FAITHLAND INVESTMENTS & FINANCIAL SERVICES, INC. AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF OUR SERVICES SHALL BE RESOLVED THROUGH BINDING ARBITRATION, EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION.

Arbitration Rules:

• Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules
• The arbitration will be held in Houston, Texas, or another mutually agreed location
• The arbitrator’s decision will be final and binding
• Judgment on the arbitration award may be entered in any court having jurisdiction

Exceptions to Arbitration: The following disputes are NOT subject to arbitration:

• Claims in small claims court (if the matter qualifies)
• Claims for injunctive or equitable relief to protect intellectual property
• Claims related to insurance policy coverage (which are governed by the insurance policy terms)

11.3 Class Action Waiver

YOU AND FAITHLAND INVESTMENTS & FINANCIAL SERVICES, INC. AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

• You may not bring a claim as a plaintiff or class member in a class action, consolidated action, or representative action
• You may not participate in a class action against us
• An arbitrator may not consolidate more than one person’s claims or preside over any form of class proceeding

If this class action waiver is found to be unenforceable, the entire arbitration provision shall be null and void.

11.4 Costs and Fees

• Each party will be responsible for their own attorney’s fees and costs, unless otherwise awarded by the arbitrator
• We will pay the arbitration filing fees unless the arbitrator determines your claim is frivolous
• The arbitrator may award attorney’s fees and costs to the prevailing party as permitted by law

11.5 Opt-Out Right

You have the right to opt-out of binding arbitration within 30 days of first accepting these Terms. To opt-out, you must send a written notice to:

Faithland Investments & Financial Services, Inc.
Attn: Arbitration Opt-Out
9730 Southwest Fwy, Suite 222
Houston, TX 77074
Email: office@stevesoyebo.com

Your notice must include:

• Your full name
• Address
• Phone number
• Email address
• Clear statement that you wish to opt-out of arbitration

If you opt-out, all other terms of these Terms will continue to apply, but disputes will be resolved in court rather than through arbitration.

12. Governing Law and Jurisdiction

12.1 Governing Law

These Terms and your use of our Services shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

12.2 Venue and Jurisdiction

Subject to the arbitration provisions above, you agree that any legal action or proceeding arising out of or related to these Terms or your use of our Services shall be brought exclusively in the state or federal courts located in Harris County, Texas.

You hereby:

• Submit to the personal jurisdiction of such courts
• Waive any objection to venue in such courts
• Waive any claim that such courts are an inconvenient forum

12.3 Waiver of Jury Trial

TO THE EXTENT NOT PROHIBITED BY LAW, YOU WAIVE YOUR RIGHT TO A JURY TRIAL in any legal proceeding arising out of or related to these Terms or your use of our Services.

13. Term and Termination

13.1 Term

These Terms commence on the date you first access or use our Services and continue until terminated by either you or us.

13.2 Termination by You

You may terminate these Terms at any time by:

• Ceasing all use of our Services
• Closing your account (if applicable)
• Requesting account deletion by contacting us at office@stevesoyebo.com

13.3 Termination by Us

We may suspend or terminate your access to our Services, with or without notice, for any reason, including:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Extended period of inactivity
• Business or operational reasons
• Legal or regulatory requirements
• At our sole discretion

13.4 Effect of Termination

Upon termination:

• Your right to use our Services immediately ceases
• We may delete your account and all associated data
• Outstanding obligations (including premium payments) remain enforceable
• Insurance policies remain in effect according to their terms
• Provisions that by their nature should survive termination will survive, including:
  • Intellectual property rights
  • Disclaimers and limitations of liability
  • Indemnification obligations
  • Dispute resolution provisions
  • Governing law provisions

13.5 No Refunds

Except as required by law or as expressly stated in an insurance policy, termination of these Terms does not entitle you to any refund of premiums or fees paid.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable insurance policy contracts, constitute the entire agreement between you and Faithland Investments & Financial Services, Inc. DBA Steve Soyebo Insurance Agency regarding your use of our Services and supersede all prior or contemporaneous agreements, communications, and understandings, whether written or oral.

14.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, it shall be severed from these Terms.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder without our prior written consent. Any attempted assignment in violation of this provision shall be null and void.

We may freely assign, transfer, or delegate these Terms and our rights and obligations hereunder, in whole or in part, without notice or your consent, including in connection with a merger, acquisition, reorganization, or sale of assets.

14.5 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God (earthquakes, floods, hurricanes, etc.)
• War, terrorism, or civil unrest
• Government actions or regulations
• Labor disputes or strikes
• Pandemic or epidemic
• Utility failures or internet outages
• Cyber attacks or security breaches
• Failures of third-party service providers

14.6 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights. No person or entity not party to these Terms shall have any rights under or be entitled to rely upon these Terms.

14.7 Notices

All notices required or permitted under these Terms shall be in writing and shall be deemed given when:

• Personally delivered
• Sent by confirmed email
• Sent by certified mail, return receipt requested
• Delivered by nationally recognized overnight courier

Notices to you may be sent to:

• The email address or physical address you provided to us
• Posted on our website or in your account dashboard

Notices to us should be sent to:
Faithland Investments & Financial Services, Inc.
9730 Southwest Fwy, Suite 222
Houston, TX 77074
Email: office@stevesoyebo.com

14.8 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

14.9 Electronic Communications

By using our Services, you consent to receive communications from us electronically, including via email, text message, or posting on our website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

14.10 Language

These Terms are drafted in English. If these Terms are translated into any other language, the English version shall prevail in the event of any conflict or inconsistency.

14.11 Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, and ordinances in your use of our Services, including but not limited to insurance laws, consumer protection laws, privacy laws, and anti-fraud laws.

14.12 Relationship of Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and us. You have no authority to bind us or make commitments on our behalf.

14.13 Survival

The following provisions survive termination of these Terms:

• Section 7 (Insurance Services and Transactions) – to the extent of ongoing policy obligations
• Section 8 (Intellectual Property Rights)
• Section 9 (Disclaimers and Limitations of Liability)
• Section 10 (Indemnification)
• Section 11 (Dispute Resolution and Arbitration)
• Section 12 (Governing Law and Jurisdiction)
• Section 14 (General Provisions)

15. Contact Information

If you have any questions, concerns, or complaints regarding these Terms, please contact us:

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency

Mailing Address:
9730 Southwest Fwy, Suite 222
Houston, TX 77074

Email:
office@stevesoyebo.com

Phone:
(713) 773-9300

Business Hours:
Monday-Friday, 10:00 AM to 5:00 PM CST

For Legal or Compliance Inquiries:
Email Subject Line: “Legal Inquiry” or “Terms of Use Question”

We will respond to all inquiries within 10 business days.

16. Acknowledgment and Agreement

BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

1. You have read these Terms of Use in their entirety
2. You understand and agree to be bound by these Terms
3. You understand and agree to our arbitration and class action waiver provisions
4. You understand that these Terms contain limitations on our liability
5. You agree to our SMS/text messaging terms and conditions
6. You have reviewed our Privacy Policy and consent to our data practices
7. You represent that you meet all eligibility requirements
8. You will use our Services in compliance with all applicable laws
9. You understand that insurance coverage is subject to carrier approval and policy terms
10. You acknowledge that quotes are estimates only and subject to change

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE USING OUR SERVICES.

These Terms of Use are effective as of January 10, 2026, and supersede all previous versions.

Faithland Investments & Financial Services, Inc.
DBA Steve Soyebo Insurance Agency
9730 Southwest Fwy, Suite 222
Houston, TX 77074
office@stevesoyebo.com
(713) 773-9300