Last updated: May 26, 2026
Please read carefully. These Terms include a binding arbitration agreement and a class action waiver (Section 11), which affect how disputes between you and us are resolved. By using this website, you agree to these Terms.
These Terms of Service ("Terms") govern your access to and use of the website operated under the brand Pillar Financial Group (the "Site"). The Site is operated by Tanner Hertzog, an independent licensed life insurance agent (National Producer Number 21588511) ("we," "us," or "our"). By accessing, browsing, or submitting information through the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Site.
You must be at least 18 years old and legally able to enter into a contract to use the Site. By using the Site, you represent that you meet these requirements and that all information you provide is accurate, current, and complete, and relates to you (or to a person on whose behalf you are authorized to act).
All content on the Site is provided for general informational purposes only. Nothing on the Site:
Insurance products are offered only through licensed insurance carriers, are subject to underwriting, and availability, premiums, terms, and eligibility vary by carrier, product, state, age, health, and other factors. Any guarantees associated with an insurance policy are the sole responsibility of, and depend on the claims-paying ability of, the issuing insurer — not of Pillar Financial Group or Tanner Hertzog. You should not rely on the Site as a substitute for personalized advice from a qualified professional.
If you submit a quote request, you authorize Tanner Hertzog of Pillar Financial Group to contact you at the phone number and email address you provide — including by phone call and text message and using automated technology — regarding life insurance products and services. Consent is not a condition of purchasing any product or service. Message and data rates may apply, message frequency varies, and you may opt out of text messages at any time by replying STOP. Submitting a request does not obligate you to purchase anything and does not guarantee that coverage will be offered or issued. See our Privacy Policy for how your information is handled.
Tanner Hertzog is licensed to sell life insurance in multiple states. Licensing and product availability vary by state. If you reside in a state where Tanner Hertzog is not licensed, your request may, with your consent, be referred to another licensed agent who can assist you. We do not represent that we can serve every applicant in every state.
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. We do not warrant that the Site will be uninterrupted, secure, error-free, or free of harmful components, or that any information on the Site is accurate, complete, or current.
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL PILLAR FINANCIAL GROUP, TANNER HERTZOG, OR ANY RELATED PERSON OR SERVICE PROVIDER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF — OR INABILITY TO USE — THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow certain limitations, so portions of this section may not apply to you; in that case, our liability is limited to the maximum extent permitted by law. This section does not limit liability for fraud or for anything that cannot lawfully be limited.
You agree to indemnify, defend, and hold harmless Pillar Financial Group and Tanner Hertzog from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any law or the rights of any third party.
The Site may rely on or link to third-party services and websites. We do not control and are not responsible for the content, policies, or practices of any third party. Your use of third-party services is at your own risk and subject to their terms.
The Site and its content, design, and branding are owned by or licensed to Tanner Hertzog and are protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.
Please read this section carefully — it affects your legal rights.
You and we agree that any dispute, claim, or controversy arising out of or relating to the Site, these Terms, the Privacy Policy, or any contact you receive as a result of a request submitted through the Site (a "Dispute") will be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court if it qualifies.
The arbitration will be administered by a nationally recognized arbitration provider under its applicable rules, and will take place in Maricopa County, Arizona, or another mutually agreed location, or by remote means. The arbitrator's award may be entered as a judgment in any court of competent jurisdiction.
Class Action Waiver. You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.
Jury Trial Waiver. To the fullest extent permitted by law, you and we waive any right to a trial by jury.
Opt-Out. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first using the Site, stating your name and your intent to opt out. Opting out will not affect any other part of these Terms.
This Section 11 is governed by the Federal Arbitration Act. If any portion of this Section is found unenforceable, the remainder will remain in effect, except that if the Class Action Waiver is found unenforceable as to a particular claim, that claim will proceed in court.
These Terms and any Dispute are governed by the laws of the State of Arizona, without regard to its conflict-of-law principles. Subject to Section 11, the state and federal courts located in Maricopa County, Arizona will have exclusive jurisdiction over any matter not subject to arbitration, and you consent to that jurisdiction and venue.
We may update these Terms from time to time. The "Last updated" date above reflects the most recent version. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
If any provision of these Terms is held unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Site.
Questions about these Terms? Contact Pillar Financial Group at [email protected] or 480-828-7493.
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