Terms of Service
Effective Date: June 11, 2026
Welcome to Capital Crusaders (the "Website"), located at www.capital-crusaders.com. By accessing or using our Website, and by submitting your contact information, you agree to be bound by these Terms of Service ("Terms"). Program Name: Capital Crusaders SMS Program. Program Description: By opting in, you agree to receive text messages from Capital Crusaders, including consultation scheduling messages, appointment reminders, customer support communications, follow-up messages regarding submitted questionnaires, financial education updates, service notifications, and occasional promotional offers. Message frequency varies.
1. Purpose of the Website
The content provided on this Website is for informational and educational purposes only. Capital Crusaders is a team of financial professionals affiliated with Primerica. However, simply using this Website or submitting a questionnaire does not establish a formal client-advisor relationship. Any formal advisory or brokerage relationship will be governed by separate, specific agreements provided to you directly by a licensed representative.
2. Financial Disclaimer
We are not tax advisors or estate planners. The information on this Website should not be construed as investment, tax, or legal advice, nor is it a recommendation to buy, sell, or hold any specific security or insurance product. Investing entails risk, including the possible loss of principal. Please consult with an appropriately licensed professional regarding your specific situation before making any financial decisions.
3. User Submissions and Consent to Contact
You may be invited to submit your contact information or complete a financial questionnaire on our Website. By submitting this information, you agree that:
The information you provide is true, accurate, and complete.
You grant Capital Crusaders and its representatives permission to contact you via email, phone, or text message using the contact details you provided, for the purpose of discussing financial products, scheduling consultations, and responding to your inquiries.
4. SMS & Text Messaging Terms
If you elect to receive marketing and support text messages from us, the following terms apply regarding our SMS communication services:
Opt-In Consent: You must be 18 years of age or older to use this SMS service. By providing your mobile phone number and opting in, you explicitly consent to receive informational and marketing text messages from Capital Crusaders.
Opt-Out & Unsubscribe: You can cancel the SMS service at any time. Simply reply "STOP" to any shortcode or text message you receive from us. Upon sending "STOP," we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time.
Help Instructions: If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or contact us directly at team.capital.crusaders@gmail.com or 401-618-5939.
Carrier Liability: Carriers are not liable for delayed or undelivered messages. We do not guarantee message delivery.
Rates and Frequency: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your interaction with our services. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
5. Prohibited Uses
When using our Website, you agree not to submit false, inaccurate, or misleading personal information, use the Website for any unlawful purpose, or attempt to interfere with the Website’s network, security features, or underlying code.
6. Intellectual Property
All original content, graphics, text, and design elements on this Website are the property of Capital Crusaders or are used with permission. "Primerica" and related trademarks are the property of Primerica, Inc. and its affiliates. You may not reproduce, distribute, or modify any content from this Website without our express written consent.
7. Third-Party Links
Our Website contains links to third-party websites, including regulatory sites (like BrokerCheck) and official Primerica portals. We do not control these external sites and are not responsible for their content, accuracy, or privacy practices.
8. Limitation of Liability
We provide our services "as is" and disclaim all warranties. To the maximum extent permitted by law, Capital Crusaders, its team members, and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of, or inability to use, this Website or our communication services.
9. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Rhode Island, without regard to its conflict of law principles.
10. Changes to These Terms
We reserve the right to modify these Terms at any time. Any changes will be posted on this page and become effective upon posting. Your continued use of the Website or messaging services after any modifications indicates your acceptance of the new Terms.
11.Privacy Policy: For information regarding how we collect, use, and protect your personal information, please review our Privacy Policy available here https://www.capital-crusaders.com/privacy-policy
12.Compliance with Industry Standards: Our messaging program complies with applicable CTIA guidelines, carrier requirements, and industry standards for SMS communications.
Legal Compliance: By opting in, you confirm that you are the authorized user of the mobile number provided and consent to receive communications from Capital Crusaders in accordance with applicable federal and state laws, including the Telephone Consumer Protection Act (TCPA).
13. Contact Us for Help / Support
For any questions about these Terms, please contact us at:
Email: team.capital.crusaders@gmail.com
Phone: 401-618-5939