Last Updated: September 3, 2026

The3Numbers is operated by The 3 Numbers LLC ("The3Numbers," "we," "our," or "us").

By accessing the The3Numbers website, using our services, completing an assessment, booking an appointment, submitting your information, or participating in our SMS program, you agree to these Terms of Service.

Use of This Website

The3Numbers provides educational information, financial protection resources, assessments, and consultation services designed to help individuals and families better understand their financial preparedness and available options.

Our website and programs, including Diaper to Diploma, are intended to provide educational information and help users explore financial protection and planning concepts.

By submitting any form, survey, assessment, or appointment request on this website, you confirm that:

The information you provide is accurate and truthful.

You are at least 18 years of age.

You are voluntarily requesting information or services from The3Numbers.

You understand that submitting your information does not obligate you to purchase any product or service.

Educational and Financial Information

Information provided by The3Numbers through our website, assessments, consultations, emails, text messages, educational materials, or other communications is intended primarily for educational and informational purposes.

Information presented on this website should not be considered individualized tax, legal, accounting, or investment advice.

Insurance products and strategies may not be appropriate for every individual or family. Any insurance recommendations should be based on your individual circumstances, financial objectives, eligibility, and applicable policy terms.

You should consult appropriate qualified professionals regarding tax, legal, investment, or accounting matters when necessary.

Insurance Products

Certain consultations or educational materials provided by The3Numbers may discuss life insurance products, including Indexed Universal Life (IUL) insurance.

Indexed Universal Life is permanent life insurance. Policy performance and benefits depend on factors including policy terms, premiums, insurance costs, fees, credited interest, withdrawals, loans, and other policy provisions.

Index-linked interest does not mean that policy cash value is invested directly in a stock market index.

Policy loans and withdrawals may reduce available cash value and death benefits and may have tax consequences.

Caps, participation rates, floors, and other crediting provisions may apply and may change according to the terms of the applicable insurance policy.

Actual product availability, eligibility, features, and terms are determined by the applicable insurance carrier.

No Guarantee

The3Numbers does not guarantee:

Approval or eligibility for any insurance product

Specific policy performance or cash-value accumulation

Specific interest-crediting rates

Financial, investment, tax, or retirement outcomes

That any particular financial or insurance strategy will be appropriate for you

Future market or index performance

Any illustrations, examples, or projections presented during an educational consultation should not be interpreted as guaranteed future results unless specifically identified as guaranteed under the applicable insurance contract.

Appointment Communications

By submitting your information and providing the required consent, you agree to receive communications from The3Numbers regarding your request.

These communications may include:

Phone calls

Emails

SMS text messages

Communications may relate to:

Your inquiry

Family Protection Checkup results

Requested information

Appointment scheduling

Appointment confirmations and reminders

Follow-up regarding your consultation

Customer support

The3Numbers programs and services about which you requested information

Message frequency varies. Message and data rates may apply.

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

You may opt out of SMS communications at any time by replying STOP. For assistance, reply HELP.

SMS Terms of Service

SMS Program Description

By providing your mobile phone number and expressly opting in to SMS communications from The3Numbers, you agree to receive text messages from The3Numbers at the mobile number you provided.

You must be 18 years of age or older to use this SMS service.

Types of SMS messages you may receive include:

Family Protection Checkup results and follow-up information

Appointment confirmations

Appointment reminders and scheduling updates

Responses to inquiries

Requested financial protection and life insurance educational information

Customer support messages

Follow-up communications regarding services or information you requested

Other service-related notifications associated with your request

Message frequency varies depending on your interactions with The3Numbers, the information you request, and appointments you schedule.

Message and data rates may apply.

Consent to receive SMS messages is not a condition of purchasing any goods or services.

SMS Opt-In

Users may opt in to receive SMS messages through forms available on the The3Numbers website.

Users provide their contact information, including their mobile phone number, and affirmatively check the SMS consent checkbox before submitting the applicable form.

The SMS consent checkbox is not pre-selected.

By checking the SMS consent checkbox, you consent to receive SMS messages from The3Numbers as described in these Terms.

Opt-Out Instructions

To stop receiving messages, reply STOP to any text message.

After replying STOP, you may receive a confirmation message indicating that you have been unsubscribed.

You will no longer receive SMS messages from The3Numbers unless you subsequently opt in again.

Help Instructions

For assistance, reply HELP for assistance.

You may also contact The3Numbers at:

Phone: (267) 550-0396
Email: [email protected]

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

SMS delivery may depend on your wireless carrier, mobile device, network availability, and other factors outside the control of The3Numbers.

Message & Data Rates

Message and data rates may apply.

Your wireless carrier's standard messaging and data charges may apply to messages sent to you by The3Numbers and messages you send to us.

For questions regarding your mobile plan or applicable charges, contact your wireless service provider.

SMS Privacy

Your privacy is important to us.

Information collected through our website, forms, surveys, appointments, and SMS communications is handled in accordance with our Privacy Policy.

Privacy Policy: the3numbers.com/privacy

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted.

Mobile phone numbers and SMS opt-in consent information will not be sold or rented.

SMS opt-in consent information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

Please review our Privacy Policy for additional information about how The3Numbers collects, uses, stores, shares, and protects personal information.

Third-Party Services

The3Numbers may use third-party platforms, subcontractors, and service providers to operate portions of our website and communications, including:

CRM systems

Appointment scheduling

Email delivery

SMS and telecommunications services

Customer support services

Video conferencing

Website hosting

Analytics and technology services

These providers may process information only as reasonably necessary to perform services on our behalf.

The use of service providers or subcontractors to facilitate communications does not authorize those providers to use SMS opt-in consent information for their own marketing or promotional purposes.

Intellectual Property

Unless otherwise stated, website content, branding, graphics, educational materials, program names, and other materials provided by The3Numbers are owned by or licensed to The 3 Numbers LLC.

You may not reproduce, distribute, modify, republish, or commercially exploit our materials without prior authorization, except where permitted by applicable law.

Limitation of Liability

To the extent permitted by applicable law, The3Numbers and The 3 Numbers LLC shall not be liable for losses, damages, or financial decisions made solely in reliance on general information presented through this website, assessments, educational materials, or communications.

Users are responsible for evaluating their individual circumstances and should seek appropriate professional advice before making significant financial, tax, legal, insurance, or investment decisions.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

Changes to These Terms

We may update these Terms of Service periodically to reflect changes in our services, communications, legal requirements, or business practices.

Any changes will be posted on this page along with the revised "Last Updated" date.

Your continued use of the website after revised Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.

Contact Information

The3Numbers
Operated by The 3 Numbers LLC

Website: the3numbers.com

Phone: (267) 550-0396

Email: [email protected]

Address:
502 W 7th ST STE 100
Erie, PA 16502
USA

Privacy Policy: the3numbers.com/privacy

Terms of Service: the3numbers.com/terms

Licensed in: Pennsylvania, Florida, and New Jersey