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Terms & Conditions

Effective date: September 3, 2026

These Terms & Conditions ("Terms") govern your use of mirofinancial.com (the "Site"), operated by Miro Financial LLC ("Miro Financial," "we," "us," or "our"). By using the Site or submitting a quote request, you agree to these Terms.

1. About Our Services

Miro Financial LLC is an independent insurance agency. We do not underwrite insurance policies or annuity contracts ourselves. Coverage is offered through licensed, unaffiliated insurance carrier partners and is subject to underwriting approval, state availability, and each carrier's policy terms and conditions.

2. No Guarantee of Coverage or Advice

Quotes and information provided through the Site are estimates for informational purposes only and do not constitute an offer of coverage, a binding agreement, or a guarantee of insurability. Nothing on this Site constitutes personalized financial, tax, or legal advice. Final rates, terms, and eligibility are determined solely by the applicable insurance carrier following underwriting.

3. SMS Text Messaging Program Terms

Program description. By submitting the quote request form on this Site and checking the SMS consent box, you agree to receive text messages from Miro Financial LLC related to your life insurance or annuity quote request, including follow-up communications from a licensed agent regarding your inquiry.

  • Message frequency: Message frequency varies based on your interactions with us.
  • Cost: Message and data rates may apply, depending on your mobile carrier and plan.
  • Opt-out: You can opt out at any time by replying STOP to any message. After you reply STOP, we will send a one-time confirmation that you have been unsubscribed, and you will receive no further messages unless you opt in again.
  • Help: Reply HELP to any message for assistance, or contact us directly at (954) 300-3236 or admin@mirofinancial.com.
  • Carriers: Mobile carriers are not liable for delayed or undelivered messages.
  • Consent: Consent to receive SMS messages is not a condition of purchasing any goods or services from Miro Financial LLC.

Supported carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle mobile information collected through this program.

4. Website Use

You agree to use the Site only for lawful purposes and not to misuse the Site, interfere with its normal operation, or attempt to access it using a method other than the interface we provide.

5. Intellectual Property

The Site's content, design, and branding are the property of Miro Financial LLC or its licensors and may not be copied or used without permission.

6. Limitation of Liability

To the fullest extent permitted by law, Miro Financial LLC is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on information provided through it. Insurance coverage decisions should be made in consultation with a licensed agent and based on the official policy documents issued by the carrier.

7. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws principles.

8. Changes to These Terms

We may update these Terms from time to time. The "Effective date" above reflects the most recent revision. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

9. Contact Us

Miro Financial LLC
300 SE 2nd Street, Suite 600
Fort Lauderdale, FL 33301
Phone: (954) 300-3236
Email: admin@mirofinancial.com

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