Terms of Service

Effective Date: 02.12.2026

Welcome to L&L Advisors. By accessing or using our website, you agree to the following terms. Please read them carefully.

1. Business Information

L&L Advisors
302 S. 4th St. Suite 130
Manhattan, KS 66502
Phone: 785-280-9621
Email: milea.mckinney@lladvisors.net

2. Services Provided

This website provides access to:

Insurance-related educational content
Downloadable guides
Webinar registration

Currently, there are no paid products or services offered through the website.

3. Eligibility

This website is intended for individuals who are 18 years of age or older. By using this website or submitting your information, you confirm that you are at least 18 years old.

4. Accounts

No user accounts are required or supported. The website is publicly accessible.

5. Payments & Refunds

Not applicable at this time, as no paid services are offered through the website.

6. Intellectual Property

Downloadable guides are for personal use only.

You may copy the content for personal use but may not share or distribute it publicly without permission.

All website content, including PDFs, images, and videos, is owned by L&L Advisors unless otherwise noted.

7. Disclaimers

The information on this website is for educational purposes only.

No recommendations or advice are provided on the website itself.

Any advice or recommendations occur only in personal appointments or consultations related to insurance services.

8. SMS Communications

Description of SMS Use

If you provide your mobile phone number through a form on this website, you may receive SMS messages related to:

Webinar confirmations and reminders
Follow-up messages related to events you registered for
Informational updates you requested
Optional promotional or marketing messages if you separately opt in

Message frequency varies based on your interaction with L&L Advisors.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive. After you reply STOP, you will receive one final confirmation message and will no longer receive SMS messages from us unless you opt in again.

For assistance, reply HELP or contact us at 785-280-9621 or milea.mckinney@lladvisors.net.

Message & Data Rates

Message and data rates may apply depending on your mobile carrier and plan. L&L Advisors is not responsible for any charges incurred from your mobile provider.

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

9. Limitation of Liability

L&L Advisors is not responsible for any losses or damages arising from the use of the website, downloadable materials, or SMS communications. Users access all content at their own risk.

10. Governing Law

These Terms of Service are governed by the laws of the State of Kansas, United States.

11. Privacy

Any personal information collected through forms on this website, including mobile numbers, is handled according to our Privacy Policy, which can be accessed here.

12. Changes to Terms

We may update these Terms of Service at any time. Users are encouraged to check this page periodically for changes.