Protect with Barney Terms of Use
Last Updated: September 10, 2026
About These Protect With Barney Terms of Use
These Terms of Use explain the rules and conditions that apply when accessing or using the Protect With Barney website, educational content, forms, booking tools, and related services.
1. Acceptance of Terms
By accessing or using ProtectWithBarney.com, you agree to these Terms of Use and to the Privacy Policy.
If you do not agree to these Terms or the Privacy Policy, you should not use this website.
2. General Educational Information
Information on this website is provided for general educational and informational purposes only.
Website content does not constitute personalized insurance, legal, tax, investment, or financial advice.
You should speak with an appropriately licensed or qualified professional regarding your individual circumstances.
3. Insurance Products and Services
Protect With Barney provides information regarding insurance and protection solutions including Mortgage Protection, Life Insurance, Health Insurance, Final Expense, and Retirement Solutions.
Insurance products, policy features, riders, benefits, eligibility, underwriting requirements, premiums, limitations, exclusions, and availability vary by carrier, policy, individual circumstances, and state.
Nothing on this website constitutes a guarantee of coverage, approval, benefit eligibility, premium amount, or insurance outcome.
4. No Offer or Binding Coverage
Website content, forms, appointment requests, emails, or other communications do not themselves create, bind, modify, or place insurance coverage.
Insurance coverage becomes effective only according to the terms, conditions, approval, and effective date of the applicable policy or contract.
5. Mortgage Protection Information
Mortgage protection discussed on this website generally refers to individually owned life insurance selected with mortgage and family needs in mind.
Mortgage protection is not the same as private mortgage insurance (PMI), is not automatically required by a lender, and does not guarantee that a mortgage will be paid off.
Beneficiaries generally determine how insurance proceeds are used, subject to the policy and any applicable arrangement.
6. Living Benefits
References to living benefits relate only to policies or riders that actually include such provisions.
Eligibility, qualifying events, definitions, benefit amounts, limitations, exclusions, and availability vary by carrier, policy, and state.
Not all life insurance policies include living benefits.
7. Retirement-Related Information
Retirement-related content on this website is educational and may discuss insurance-based strategies.
Protect With Barney does not provide legal, tax, or investment advice through this website.
You should consult your tax, legal, or financial professionals regarding your specific circumstances when appropriate.
8. Appointments and Protection Reviews
Complimentary Protection Reviews are educational consultations intended to help you understand existing protection, identify potential gaps, and explore available options.
Scheduling a Protection Review does not obligate you to purchase insurance and does not guarantee eligibility for any product.
9. Website Forms and Communications
You are responsible for providing accurate information when submitting forms, scheduling appointments, subscribing to emails, or contacting Protect With Barney.
You should not submit highly sensitive information such as Social Security numbers, financial account credentials, passwords, or detailed medical records through general website contact forms.
10. Third-Party Services and Links
This website may use or link to third-party services such as Wix, Google Workspace, insurance carrier websites, enrollment platforms, or other service providers.
Protect With Barney is not responsible for the content, availability, security, or privacy practices of third-party websites or services.
11. Intellectual Property
The Protect With Barney name, logo, website design, original written content, graphics, and other original brand materials are owned by or licensed to Protect With Barney unless otherwise stated.
You may not reproduce, distribute, modify, or commercially use original site content without permission, except as permitted by law.
12. Website Availability and Accuracy
Protect With Barney aims to keep information accurate and current but does not warrant that every page will always be complete, current, error-free, or continuously available.
Website content may be updated, corrected, modified, or removed without notice.
13. Limitation of Liability
To the extent permitted by applicable law, Protect With Barney is not responsible for losses or damages arising solely from reliance on general website information, website interruptions, or third-party links.
This limitation is intended to be reasonable and does not limit any rights you may have under applicable law.
14. Prohibited Use
You may not use this website to:
• violate applicable laws
• attempt unauthorized access
• interfere with website operation or security
• transmit malicious code
• misuse forms or booking tools
• impersonate another person
• copy or exploit site content unlawfully
15. Changes to These Terms
Protect With Barney may update these Terms of Use periodically. The “Last Updated” date at the top of this page will reflect revisions.
16. Governing Law
These Terms are governed by applicable United States law and, where appropriate, the laws of the State of Colorado, subject to applicable insurance laws and consumer protections.
These Terms do not include mandatory arbitration, class-action waivers, or specific venue requirements unless separately agreed or reviewed by legal counsel.
17. Contact
Sean Barney
Protect With Barney
Independent Life & Health Insurance Broker
720-912-5380
sean@protectwithbarney.com
ProtectWithBarney.com