Terms and Conditions
SMS Messaging Terms & Compliance
1. Program Description
The Ultimate Growth Group LLC is a purpose-driven company offering business strategy and education through School of Wealth Creation, and life insurance and financial protection strategies through UGG Insurance. This messaging program sends text messages to people who have explicitly opted in through our website forms, including our strategy call booking and contact forms at www.ugrowthgroup.com. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Non-marketing messages include appointment confirmations and reminders, updates about your inquiry, application, or policy, and customer support. Marketing messages, sent only to people who separately opt in to them, include special offers, events, financial education content, and service updates.
Example message: "Hi [Name], this is Bentley from The Ultimate Growth Group LLC. Your consultation is confirmed for [Date] at [Time]. Reply STOP to opt out."
2. Cancellation Instructions
You can cancel the SMS service at any time. Just text "STOP" to 561-584-4378. After you send the SMS message "STOP" to us, 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 and we will start sending SMS messages to you again.
3. Support Information
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at bentley@ugrowthgroup.com or 561-584-4378.
4. Carrier Liability
Carriers are not liable for delayed or undelivered messages.
5. Message & Data Rates
As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive messages at a frequency that varies based on your inquiries, appointments, and interactions with us. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
6. Supported Carriers
Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.
7. Age Restriction
You must be 18 years or older to participate in our SMS program. Consent to receive text messages is optional and is not a condition of any purchase.
8. Privacy Policy
If you have any questions regarding privacy, please read our privacy policy: https://www.ugrowthgroup.com/privacy
We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.
General Terms
This website (the "Site") is owned and operated by The Ultimate Growth Group LLC ("COMPANY," "we," or "us"). By using the Site, you agree to be bound by these Terms and Conditions and to use the Site in accordance with these Terms, our Privacy Policy, and any additional terms that apply to specific services. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms.
We reserve the right to change these Terms or to impose new conditions on the use of the Site from time to time, in which case we will post the revised Terms on this website. By continuing to use the Site after we post any such changes, you accept the Terms as modified.
Our Brands
- School of Wealth Creation, a DBA of The Ultimate Growth Group LLC, provides business strategy, consulting, and education. Its services are also governed by the Terms and Conditions posted at sowealthcreation.com and by any written client agreement.
- UGG Insurance provides life insurance and financial protection strategies. The Insurance Disclosures below apply to those services.
- Consultations, seminars, and speaking engagements are scheduled through our booking tools. Please let us know as early as you can if you need to reschedule.
Insurance Disclosures
- Insurance products are offered through Bentley Walker, a licensed insurance agent. Licensing can be verified through the Florida Department of Financial Services and the department of insurance in your state.
- Insurance products are issued by independent insurance carriers, not by The Ultimate Growth Group LLC. Product availability, features, and terms vary by carrier and state, and coverage is subject to the carrier's underwriting approval.
- Guarantees are based on the claims-paying ability of the issuing insurance carrier.
- Policy illustrations are hypothetical, are not guarantees of future performance, and are not a contract. Indexed universal life (IUL) interest crediting is subject to caps, participation rates, and other limits set by the carrier.
- Policy loans and withdrawals reduce the cash value and death benefit, may cause the policy to lapse, and may have tax consequences.
- Life insurance is not a bank deposit, is not FDIC insured, and is not insured by any federal government agency.
- Strategies discussed on the Site, including "build-your-own-bank" and tax-advantaged strategies, are educational and may not be suitable for everyone. Suitability depends on your individual circumstances.
No Professional Advice or Guarantee of Results
Information on the Site and in our consultations is educational. We do not provide legal, tax, or accounting advice, and we do not provide securities or investment advisory services; consult an appropriately licensed professional for those matters. Financial and business results depend on many factors, including your own decisions, resources, and market conditions. We do not guarantee any specific financial, tax, or business outcome. Any examples, case studies, or testimonials reflect individual experiences and are not a promise of similar results.
Intellectual Property Rights
Our Limited License to You
This Site and all the materials available on the Site, including the proprietary frameworks of our School of Wealth Creation brand such as the Purpose-Built Wealth Plan™, Purpose-Built Pathway™, S.C.A.L.E.™, HCOS, GAP Report Framework™, BOP™, V.A.L.U.E.S.™, and IMB Framework™, are the property of The Ultimate Growth Group LLC and/or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not use the Site or its materials in a manner that infringes our rights or that we have not authorized. Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works from, or distribute any material from the Site. You may download or print one copy of individual pages for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.
Your License to Us
By submitting any material to us (including testimonials, reviews, comments, photos, and videos) through the Site or other digital channels, you represent that you own the material or have the necessary permissions, and you grant us a royalty-free, perpetual, non-exclusive, worldwide license to use, display, and share that material in connection with our business.
Acceptable Use
You agree not to provide false information, use the Site in any way that could damage, disable, overburden, or impair it, attempt to gain unauthorized access to any part of the Site or our systems, use automated tools to submit forms or collect information from the Site, or use the Site for any unlawful purpose.
Disclaimers
Throughout the Site, we may provide links to websites maintained by third parties, including insurance carriers. Linking to such sites does not imply our endorsement or sponsorship of those sites or the information, products, or services offered on them.
The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose. The terms of any insurance policy are governed by the policy itself.
Limitation of Liability
To the fullest extent permitted by law, The Ultimate Growth Group LLC, its brands, and their owners, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or revenue, arising from your use of the Site or our services. Our total liability for any claim is limited to the amount you paid us for the service giving rise to the claim during the twelve months before the claim, or one hundred U.S. dollars ($100) if you have paid us nothing. Nothing in these Terms limits any rights you have under an insurance policy or under applicable insurance law.
Indemnification
You agree at all times to indemnify and hold harmless The Ultimate Growth Group LLC, its brands, and their respective officers, directors, agents, and employees from any claims, causes of action, damages, liabilities, costs, and expenses arising out of or related to your breach of any obligation, warranty, or representation under these Terms.
Termination
We reserve the right to terminate or suspend your access to the Site, without notice, if we determine that you have violated these Terms or engaged in conduct that we deem inappropriate or unlawful. Upon termination, you must cease all use of the Site and any content obtained from it.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida. Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in Palm Beach County, Florida.
Changes to Terms and Conditions
We may update these Terms from time to time. The latest version will always be available on our website with the effective date.
Contact Us
For any questions regarding these Terms and Conditions, please contact us at:
- The Ultimate Growth Group LLC
- Address: 740 Mill Valley Place, West Palm Beach, FL 33409
- Phone: 561-584-4378
- Email: bentley@ugrowthgroup.com
- Website: www.ugrowthgroup.com
By using our website and services, you consent to these Terms and Conditions.
Copyright © 2026 The Ultimate Growth Group LLC. All rights reserved.