This policy was last updated on April 27, 2026
1. Overview
These Terms & Conditions (“Terms”) govern your use of Paulineakol.com, operated by ZTB System LLC (“Company,” “we,” “our,” or “us”).
By accessing our website, submitting any form, booking an appointment, requesting information, or opting into our messaging program, you agree to be bound by these Terms.
2. SMS Messaging Program
Program Description
Pauline Akol / ZTB System LLC offers an SMS messaging program designed to provide customer support, respond to service-related inquiries, send appointment information, and share relevant educational or promotional communications when applicable.
Message Types
By submitting your phone number and opting in, you expressly consent to receive SMS communications from Pauline Akol / ZTB System LLC, including:
Appointment confirmations
Appointment reminders
Responses to service inquiries
Service-related updates
Educational messages related to financial protection, insurance, estate planning, legacy planning, and wealth-building strategies
Marketing promotions, if you have provided consent
3. User Control & Commands
Opt-Out
You can cancel the SMS service at any time. Just text “STOP” to 762-763-1625
After you send the SMS message “STOP” to us, we may send you an SMS message confirming that you have been unsubscribed. After this, you will no longer receive SMS messages from us unless you opt in again.
Support
If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance.
You may also contact us at:
4. Message Frequency, Rates, and Liability
Message and data rates may apply.
Message frequency varies based on your interactions with our services.
Carriers are not liable for delayed or undelivered messages.
5. Age Restriction
By using this service, you represent and warrant that you are at least 18 years of age.
If you are under 18 years old, you may not use or access our services or opt into our messaging program.
6. Privacy Policy
Your use of the messaging program and our services is also governed by our Privacy Policy.
View it here: paulineakol.com/privacy-policy
7. Services
Pauline Akol / ZTB System LLC provides financial education, insurance-related information, appointment scheduling, client support, and related services for individuals, families, professionals, and business owners.
Services may include, but are not limited to:
Financial protection education
Life insurance education
Insurance needs discussions
Appointment scheduling
Quote-related assistance
Policy-related support
Estate planning and legacy planning education
Business owner protection strategy education
Referrals to qualified professionals, when appropriate
Specific services, recommendations, applications, policy options, pricing, and terms may depend on individual circumstances, state regulations, licensing requirements, underwriting guidelines, and carrier availability.
8. Use of Services
You agree to use our website, forms, communication tools, and services only for lawful purposes.
You may not misuse, disrupt, interfere with, or attempt to gain unauthorized access to our website, systems, forms, communication platforms, or client information.
You also agree not to submit false, misleading, fraudulent, or unauthorized information through our website or forms.
9. No Guarantee of Results
Pauline Akol / ZTB System LLC does not guarantee any specific financial, insurance, tax, legal, investment, or estate planning outcome.
Any financial or insurance strategy discussed depends on multiple factors, including your personal situation, qualifications, underwriting approval, product availability, carrier rules, state regulations, and ongoing policy performance.
Insurance approval, premiums, benefits, and policy terms are not guaranteed until confirmed by the applicable insurance carrier.
10. Payment Terms
If any fees apply for services, consultations, programs, or related offerings, the applicable fees and billing terms will be disclosed before purchase or outlined in a separate agreement.
Unless otherwise stated, fees may be non-refundable once services have commenced or materials have been delivered.
Insurance premiums, if applicable, are paid according to the terms of the insurance carrier and policy contract.
11. Intellectual Property
All website content, educational materials, written materials, branding, graphics, videos, presentations, frameworks, and other content made available by Pauline Akol / ZTB System LLC are protected by intellectual property laws unless otherwise stated.
You may not copy, reproduce, distribute, modify, sell, or use our materials for commercial purposes without written permission.
12. Confidentiality
We take client confidentiality seriously.
Both parties agree to maintain the confidentiality of any proprietary, personal, financial, or sensitive information shared during the course of the business relationship, except when disclosure is required to provide services, process applications, comply with legal or regulatory obligations, or protect the rights and safety of the parties involved.
13. Third-Party Platforms and Professionals
Our services may rely on third-party platforms, including but not limited to CRM systems, website hosting providers, email providers, SMS providers, scheduling tools, payment processors, insurance carriers, and marketing platforms.
We are not responsible for service interruptions, delays, errors, data issues, or technical problems caused by third-party providers.
We may also refer you to third-party professionals, such as attorneys, tax professionals, estate planners, or other licensed specialists. We are not responsible for the advice, services, or actions of those third-party professionals.
14. Financial, Insurance, Tax, and Legal Disclaimer
Information provided through our website, communications, consultations, webinars, forms, or educational materials is for general educational and informational purposes only.
It should not be considered legal, tax, investment, or personalized financial advice.
Insurance products and financial strategies may vary based on individual circumstances, underwriting requirements, carrier guidelines, product availability, and state regulations.
For legal or tax advice, please consult a qualified attorney or tax professional.
15. Limitation of Liability
To the maximum extent permitted by law, Pauline Akol / ZTB System LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website, services, communications, educational materials, or third-party platforms.
16. Governing Law
These Terms are governed by the laws of the State of Maryland, without regard to conflict of law principles.
17. Changes to These Terms
We reserve the right to update these Terms at any time.
Updates will be posted on this page with a revised effective date.
Continued use of our website, forms, messaging program, or services after updates are posted constitutes acceptance of the revised Terms.
18. Contact Information
Pauline Akol
Legal Business Name: ZTB System LLC
Website: paulineakol.com
Physical Address: 718 Spotters Ct, Hampstead, Maryland 21074
Business Phone: (762)-763-1625
Support Email: pauline.akol@ztbsystem.com