Terms & Conditions
Effective Date: January 1 2026
Business Name: GARY L. BERNHARD
Website: IntegratedBusinessResources.com
Welcome to GARY L. BERNHARD. By using this website, submitting a form, scheduling an appointment, or opting in to receive communications from us, you agree to the following Terms & Conditions.
1. General Information
GARY L. BERNHARD provides information, education, and consultation related to financial services, including life insurance, annuities, retirement planning, and related financial strategies.The information provided on this website is for general educational and informational purposes only. It should not be considered legal, tax, investment, or financial advice specific to your personal situation. Any recommendations or planning discussions should be reviewed based on your individual circumstances.
2. Use of This Website
By using this website, you agree to use it only for lawful purposes. You agree not to misuse the website, attempt to gain unauthorized access, interfere with website functionality, or submit false or misleading information through any form or scheduling page.
3. No Guarantee of Results
GARY L. BERNHARD does not guarantee any specific financial outcome, investment return, insurance approval, tax result, or retirement result. Any examples, illustrations, or projections are for informational purposes only and may not reflect your actual results.
Insurance and financial products may be subject to underwriting, eligibility requirements, fees, surrender charges, market conditions, tax rules, and other limitations.
4. Appointment Scheduling and Communications
When you submit your contact information through this website, schedule an appointment, or request more information, you authorize GARY L. BERNHARD to contact you using the information you provide. This may include phone calls, emails, text messages, or other forms of communication related to your inquiry, appointment, requested information, or services that may be relevant to you.
5. SMS/Text Messaging Terms
By providing your mobile phone number and opting in to receive text messages from GARY L. BERNHARD, you agree to receive recurring text messages related to appointment reminders, follow-ups, requested information, service updates, and other communications related to GARY L. BERNHARD. Message frequency may vary. Message and data rates may apply. You can opt out of receiving text messages at any time by replying STOP to any message. After you reply STOP, you may receive a confirmation message, and we will no longer send SMS messages to that number unless you opt in again. For assistance, reply HELP or contact us directly at:
Phone: [Insert Phone Number]
Email: [Insert Email Address]
Mobile carriers are not liable for delayed or undelivered messages.
Consent to receive text messages is not a condition of purchasing any product or service.
6. Email Communications
By submitting your email address, you agree that Business name may send you emails related to your inquiry, appointment, requested information, educational content, or services. You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the email or by contacting us directly.
7. Privacy
Your privacy is important to us. Please review our Privacy Policy for more information about how we collect, use, and protect your personal information.
GARY L. BERNHARD does not sell or share your personal information for third-party marketing purposes. Mobile phone numbers, SMS opt-in data, and SMS consent are not shared with third parties or affiliates for marketing or promotional purposes.
8. Third-Party Links
This website may contain links to third-party websites, scheduling tools, forms, videos, or other resources. GARY L. BERNHARD is not responsible for the content, privacy practices, or terms of use of third-party websites. Accessing third-party websites is done at your own discretion.
9. Intellectual Property
All content on this website, including text, graphics, logos, images, videos, documents, and other materials, is the property of GARY L. BERNHARD or its content providers and may not be copied, reproduced, modified, or distributed without written permission.
10. Limitation of Liability
GARY L. BERNHARD is not responsible for any damages or losses resulting from your use of this website, reliance on information provided, inability to access the website, or use of any third-party links or tools. You agree that your use of this website is at your own risk.
11. Changes to These Terms
GARY L. BERNHARD may update these Terms & Conditions at any time. Any changes will be posted on this page with an updated effective date.
Your continued use of the website after changes are posted means you accept the updated Terms & Conditions.
12. Contact Information
For questions about these Terms & Conditions, please contact:
Business name GARY L. BERNHARD
Phone: 830-388-9670
Email: [email protected]
Website: IntegratedBusinessResources.com