Terms & Conditions
Legal Business Name: LSH Financial INC
Associated Brands: Ashes to Assets Insurance Agency, Tristate MediHealth Solutions
Effective Date: October 2026 | Last Updated: October 2026
SMS Terms & Conditions
SMS Program Name:
LSH Financial INC SMS Notifications
Program Description:
By opting into SMS communications through our website forms, you agree to receive text messages from LSH Financial INC related to your inquiries, appointment confirmations, appointment reminders, and service-related updates.
Message Frequency:
Message frequency varies depending on your interactions with our business.
Message and Data Rates:
Message and data rates may apply depending on your mobile carrier and plan.
Opt-Out Instructions:
You may opt out of SMS communications at any time by replying STOP to any message. After opting out, you will no longer receive messages from that SMS program unless you opt in again.
Help Instructions:
For assistance, reply HELP to any message or contact LSH Financial INC using the contact information listed on this website.
Consent:
Providing SMS consent is voluntary and is not a condition of purchasing any products or services.
Privacy:
Your information is handled according to our Privacy Policy. Mobile numbers and opt-in consent will never be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes.
Carrier Disclaimer:
Mobile carriers are not responsible for delayed or undelivered messages.
Optional Promotional SMS Program:
If you separately provide affirmative consent for promotional messages, you may receive periodic updates regarding insurance coverage educational events, new coverage options, and agency announcements. The same STOP, HELP, and message frequency rules apply.
1. Acceptance of Terms
By accessing, browsing, or using the website of LSH Financial INC, including communications associated with Ashes to Assets Insurance Agency and Tristate MediHealth Solutions, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy.
2. Description of Services & Disclaimer
LSH Financial INC offers informational and consulting services relating to Life Insurance, Medicare Supplement and Advantage solutions, Health Insurance, and Retirement Planning strategies.
Important Insurance & Regulatory Disclaimers:
• Information provided on this website is for general informational and educational purposes only and does not constitute formal legal, tax, or financial underwriting advice.
• Specific insurance policy coverage, underwriting criteria, premium rates, and benefits are determined solely by the issuing insurance carriers according to policy terms.
• Neither LSH Financial INC nor its affiliated divisions (Ashes to Assets Insurance Agency, Tristate MediHealth Solutions) are connected with, endorsed by, or affiliated with the U.S. government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS).
3. User Conduct and Form Submissions
When using our contact forms, you agree to provide truthful, accurate, and current information. You agree not to submit false contact information or impersonate another individual. Submitting false phone numbers or opting in without authority of the telephone subscriber is prohibited.
4. Intellectual Property
All content, text, logos, trademarks, graphics, and layout on this website are the property of LSH Financial INC or used with appropriate permission. You may not copy, reproduce, or distribute any part of this site without our prior written authorization.
5. Limitation of Liability
To the fullest extent permitted by applicable law, LSH Financial INC, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your access to or use of this website, delayed transmission of text messages, or reliance on materials provided herein.
6. Third-Party Links
This website may contain links to third-party resources or carrier information. We have no control over the content, policies, or practices of third-party websites and assume no liability for them.
7. Governing Law
These Terms & Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which LSH Financial INC maintains its principal place of business, without regard to its conflict of law principles.
8. Modifications to Terms
LSH Financial INC reserves the right to revise these Terms & Conditions at any time. Changes become effective immediately upon posting. Your continued use of the website following changes constitutes acceptance.
9. Contact Us
If you have questions about these Terms & Conditions or the SMS Program, please contact us:
LSH Financial INC