Welcome to the digital platforms and services operated by Cokley Insurance Agency, LLC and Equity Wins, LLC ("Company," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to our websites, Trust workshops (including the Trust 101 curriculum), and our SMS/text messaging programs (collectively, the "Services").
1. Eligibility
The Services are intended solely for individuals 18 years of age or older who reside in the United States. By using our Services, you represent that you have the legal capacity to enter into these Terms. We do not offer services to minors; if we discover a minor is using the Services, their access will be terminated.
2. Description of Services
We provide insurance services and educational programs focused on legacy building and asset protection. This includes:
Educational Content: Information regarding irrevocable trusts and family succession.
Workshops: Live or digital events, such as the 4-Day Trust Challenge.
SMS Programs: Notifications, reminders, and promotional messages for those who opt in.
3. SMS/Text Messaging Program Terms
Opt-In: By providing your number, you consent to receive recurring automated text messages (e.g., workshop reminders and alerts). Consent is not a condition of any purchase.
Frequency & Charges: Message frequency varies by program. Standard message and data rates from your carrier may apply.
Opt-Out: Text STOP, QUIT, END, or UNSUBSCRIBE at any time to cancel. We will honor requests within 10 business days and send a final confirmation text.
Support: Text HELP for assistance or contact us via our primary text/email channels.
4. Payments and Paid Services
Fees: You agree to pay all applicable fees for workshops or services at the time of purchase.
Refund Policy: All sales are final unless otherwise specified at the time of purchase or required by law.
Processing: Payments are handled via third-party processors; we do not store your full payment card details.
5. Disclaimers & Professional Advice
No Guarantees: We make no guarantees, promises, or suggestions that you will earn money or achieve specific financial results using our strategies.
Not Professional Advice: Content provided is for informational and educational purposes only. It does not constitute legal, tax, financial, or investment advice. You should consult with your own qualified professionals (attorneys, accountants, etc.) before making legal or financial decisions.
"As-Is" Basis: Services are provided "as-is" without warranties of any kind.
6. Intellectual Property
All materials—including the Trust 101 curriculum, graphics, logos, and videos—are the property of Cokley Insurance Agency, LLC or Equity Wins, LLC. You may not reproduce, distribute, or create derivative works of our content without express written consent.
7. Limitation of Liability
To the fullest extent permitted by law, the Company shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Services. Our total liability for any claim shall not exceed the amount you paid us in the 12 months preceding the claim or $100.00, whichever is greater.
8. Governing Law
These Terms shall be governed by the laws of the State of North Carolina. Any disputes shall be resolved in the courts located in Wake County, NC (or the appropriate jurisdiction for your specific business filings).
9. Contact Information
For questions regarding these Terms, please contact us at:
Cokley Insurance Agency, LLC & Equity Wins, LLC
© 2026 Cokley Insurance Agency LLC
All Rights Reserved.