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Terms of Service

Last updated: July 22, 2026

1. Agreement to Terms

By accessing or using this website (falconfinancial.org), submitting any form, or communicating with us via phone, email, or SMS, you agree to be bound by these Terms of Service. These Terms are entered into between you and Falcon Financial LLC, formerly Phoenician eSolutions LLC ("Falcon Financial," "we," "us," or "our"), a licensed insurance agency operating in Arizona and other states. If you do not agree to these Terms, do not use this website or our services.

2. Services Description

Falcon Financial is a licensed insurance agency. We provide insurance education, quotes, and policy placement services for life insurance, mortgage protection, indexed universal life (IUL), annuities, and related products. All insurance products are offered through licensed carriers subject to carrier underwriting approval. We do not provide legal, tax, or investment advice.

3. SMS Communications & TCPA Consent

If you check an optional SMS consent box on this website, you expressly consent to receive recurring text messages (SMS/MMS) from Falcon Financial at the number provided, including messages sent with automated technology, for insurance information and quotes, promotional or marketing offers, appointment scheduling, confirmations and reminders, and customer-care follow-up. You understand that:

  • Consent is not a condition of any purchase.
  • Message and data rates may apply.
  • Message frequency varies.
  • You may opt out at any time by replying STOP to any text message. After opting out, you will receive one confirmation message and no further messages.
  • Reply HELP for assistance or contact us at seb@falconfinancial.org.
  • We do not sell or share mobile opt-in information or consent records with third parties or affiliates for their promotional or marketing purposes.
  • For full details on how we handle your data, see our Privacy Policy.

4. No Insurance Coverage by Electronic Communication

Coverage cannot be bound, modified, amended, or canceled by email, text message, voicemail, or any other electronic communication. All applications and policy changes are subject to carrier underwriting review and approval. Coverage is effective only upon the issuance of a policy or endorsement and receipt of any required initial premium. Policy terms, conditions, exclusions, and applicable state regulations govern all coverage.

5. Policy Access Portal

The policy access portal provides a convenient summary of certain policy information. It is not the insurance contract and may not include every term, condition, exclusion, rider, endorsement, or later carrier action. The carrier-issued policy and endorsements control in every case. Nothing displayed in the portal can bind, amend, replace, reinstate, or cancel coverage. Contact your servicing agent and the issuing carrier before relying on the portal for a coverage decision or requesting any policy change. You are responsible for protecting access codes and devices used to access the portal and for signing out of shared devices.

6. Licensing & Regulatory Compliance

Sébastien Taillieu (NPN: 21408357) is a licensed insurance producer. Services are available only in states where we are currently licensed. Licensing information is available upon request and through the National Insurance Producer Registry (NIPR). Insurance products described on this website may not be available in all states and are subject to state-specific regulations.

7. Website Use & Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Falcon Financial LLC (formerly Phoenician eSolutions LLC), and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent. You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others.

8. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. Information on this website is for general informational purposes only and is not a substitute for professional insurance advice tailored to your specific situation.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Falcon Financial LLC (formerly Phoenician eSolutions LLC), shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website or our services. Our total liability to you for any claim shall not exceed the amount of fees paid by you to us in the twelve (12) months preceding the claim.

10. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our data practices.

11. Third-Party Links

This website may contain links to third-party websites, including insurance carrier websites and industry resources. These links are provided for convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona. You consent to personal jurisdiction in such courts.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the website following the posting of changes constitutes your acceptance of the revised Terms.

14. Contact Us

If you have questions about these Terms of Service, please contact us: