Last Updated: April 11, 2026
By accessing this website, purchasing any product, or using any service offered by Manuel Rodriguez ("we," "us," "our"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use this website or purchase any products.
These terms apply to all visitors, users, and customers of this website and related services.
We sell digital educational products, including ebooks, PDF guides, spreadsheets, calculators, and related materials. These products are designed to educate consumers about life insurance concepts, retirement planning strategies, and related financial topics.
Important: Our products are for educational and informational purposes only. They do not constitute financial advice, insurance advice, legal advice, or tax advice. You should always consult a licensed professional before making any financial or insurance decisions based on your individual circumstances.
Manuel Rodriguez is a licensed insurance agent. The educational content provided through our products reflects general knowledge and information about life insurance and financial planning topics. It is not a substitute for personalized, professional guidance.
All prices are listed in United States Dollars (USD).
Payment is processed through secure, third-party payment processors (such as Stripe or PayPal). We do not store your credit card number, debit card number, or bank account information on our servers.
All products are digital. Upon successful payment, you will receive instant access via email delivery. No physical products are shipped.
Prices are subject to change without prior notice. The price in effect at the time of your purchase is the price you will be charged.
We offer a 30-day money-back guarantee on all digital products.
If you are not satisfied with your purchase for any reason, you may request a full refund within 30 days of the original purchase date.
To request a refund, send an email to [email protected] with your name, the email address used for the purchase, and the product purchased.
Refunds will be processed within 5 to 7 business days after your request is received and confirmed. Refunds are issued to the original payment method.
All content, products, materials, text, images, graphics, and design elements on this website and within our digital products are the intellectual property of Manuel Rodriguez and are protected by United States copyright law.
When you purchase a digital product, you receive a personal, non-transferable license to use that product for your own personal and educational purposes.
You may not:
Violation of these terms may result in termination of your license and legal action.
Manuel Rodriguez is a licensed insurance agent. He is not a financial advisor, investment advisor, tax advisor, or attorney.
The products and content provided through this website are educational in nature. They are designed to help you understand general concepts related to life insurance, retirement planning, and financial protection strategies.
No guarantees. We do not guarantee any specific financial outcome, savings amount, return on investment, or insurance result from using our educational products. Individual results vary based on personal circumstances, market conditions, and individual decisions.
You are solely responsible for any financial, insurance, or investment decisions you make. We strongly encourage you to consult with a licensed professional who can evaluate your specific situation before making any decisions.
To the maximum extent permitted by applicable law, Manuel Rodriguez and his affiliates, agents, and licensors 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 any purchased products.
Our total liability for any claim related to a product purchase shall not exceed the amount you paid for that specific product.
This limitation applies regardless of whether the claim is based on warranty, contract, tort, negligence, strict liability, or any other legal theory.
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to conflict of law principles.
Any disputes arising from these terms shall be resolved in the state or federal courts located in Pinellas County, Florida.
We reserve the right to update or modify these Terms and Conditions at any time. Changes take effect immediately upon posting to this page.
The "Last Updated" date at the top of this page indicates when the most recent changes were made. Your continued use of this website or products after any changes constitutes acceptance of the updated terms.
We encourage you to review this page periodically.
If you have any questions about these Terms and Conditions, please contact us:
This Privacy Policy describes how Manuel Rodriguez ("we," "us," "our") collects, uses, and protects your personal information when you visit our website, purchase our products, or interact with our communications.
By using our website or providing your information, you agree to the practices described in this policy.
We use the information we collect for the following purposes:
TCPA Compliance Notice
We comply with the Telephone Consumer Protection Act (TCPA) and all applicable federal and state regulations regarding text message communications.
By providing your phone number and checking the SMS opt-in box (or otherwise consenting to receive text messages), you agree to receive recurring automated marketing and informational text messages from Manuel Rodriguez at the phone number you provided.
Message frequency varies. You may receive up to 8 messages per month, though frequency may vary depending on promotions and updates.
Message and data rates may apply. Standard messaging and data rates from your mobile carrier apply. We are not responsible for charges from your carrier.
Consent is not a condition of purchase. You are not required to opt in to text messages in order to purchase any product or service.
You can stop receiving text messages at any time by replying STOP to any message you receive from us. After you send STOP, we will send you a single confirmation message, and you will no longer receive text messages from us unless you opt in again.
Reply HELP to any text message for assistance, or contact us at [email protected].
We will not sell, rent, or share your phone number with third parties for their marketing purposes. Your phone number is used solely for communications from Manuel Rodriguez.
When you make a purchase or opt in through one of our forms, you agree to receive marketing and educational emails from us.
Every email we send includes an unsubscribe link at the bottom. You can opt out of email communications at any time by clicking that link. Unsubscribe requests are processed promptly.
We comply with the CAN-SPAM Act. Our emails include our business name, a valid physical mailing address or contact information, and a clear way to opt out.
We use cookies, tracking pixels, and similar technologies to improve your experience and measure the effectiveness of our marketing.
You can disable or delete cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain parts of our website.
We use the following categories of third-party service providers to operate our business. These providers may have access to your personal information only as needed to perform their functions:
We do not sell your personal information to third parties.
We use industry-standard security measures to protect your personal information, including encryption of data in transit (SSL/TLS) and secure handling of payment information through PCI-compliant payment processors.
However, no method of electronic transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee its absolute security.
You have the following rights regarding your personal information:
To exercise any of these rights, contact us at [email protected]. We will respond to your request within 30 days.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Contact us for more information about exercising those rights.
Our website and products are not intended for anyone under the age of 18. We do not knowingly collect personal information from children under 18.
If you believe a child under 18 has provided us with personal information, please contact us at [email protected], and we will promptly delete that information.
We may update this Privacy Policy from time to time. Changes take effect immediately upon posting to this page.
The "Last Updated" date at the top of this page reflects the most recent revision. We encourage you to review this policy periodically.
If you have any questions about this Privacy Policy or how we handle your information, please contact us:
The following terms apply when you opt in to receive SMS/text messages from Manuel Rodriguez.
By opting in, you consent to receive recurring automated marketing and informational text messages from Manuel Rodriguez at the phone number you provided.
When you check the SMS opt-in box, submit a form with your phone number, or text a keyword to our number, you are giving your express written consent to receive text messages from us. These messages may include:
Message frequency varies. You may receive up to 8 messages per month, though this number may be higher or lower depending on current promotions and your interactions with us.
Message and data rates may apply. Text message and data charges from your mobile carrier are your responsibility. We do not charge any additional fees for receiving our text messages.
Your consent to receive text messages is not a condition of any purchase. You can buy any product without opting in to receive texts.
You can opt out at any time by replying STOP to any text message you receive from us. You will receive a single confirmation message, and no further text messages will be sent unless you opt in again.
Reply HELP to any message for assistance. You can also email us at [email protected].
We will not sell, rent, or share your phone number with third parties for their marketing purposes. Your phone number is used only for communications from Manuel Rodriguez.
For full details on how we collect, use, and protect your information, view our Privacy Policy above.
Our text messaging service is supported by all major US mobile carriers, including AT&T, T-Mobile, Verizon, Sprint, and others. Carrier support may vary, and we are not responsible for delayed or undelivered messages caused by carrier issues.