These Terms of Service describe the conditions for using the PANDOVA Group, LLC website. By using this website, you agree to these terms to the extent permitted by applicable law. If you do not agree, please discontinue use. These website terms do not replace an insurance policy, carrier contract, application, or separately signed service agreement.
1. Insurance information, not a coverage contract
This website provides general information and a way to request guidance about health insurance, life insurance, insurance-based wealth preservation, and retirement income products, including annuities. Website content is not a personalized recommendation, binding quote, promise of eligibility, or offer of coverage in every jurisdiction.
Visiting the site, requesting a consultation, sending an email, or speaking with an agent does not by itself create, change, renew, or cancel coverage. Coverage begins only according to the insurer’s approval, policy terms, premium requirements, and stated effective date. The issued policy and applicable law control if a summary on this site differs.
2. Health and life insurance
Health insurance eligibility, enrollment periods, provider networks, formularies, benefits, exclusions, deductibles, and other costs vary by plan and may change. Confirm provider participation and covered services directly with the plan before relying on them. This site does not provide medical guidance or medical consultations.
Life insurance availability and pricing may depend on age, health, underwriting, requested benefits, and other carrier criteria. Term and permanent policies have different costs, exclusions, limitations, and lapse risks. Illustrations and non-guaranteed values are not promises of future results.
3. Wealth preservation and retirement planning
References to wealth preservation and retirement planning describe insurance-related education and product discussions, not a guarantee against investment losses or a promise of future income. Annuities may involve surrender charges, withdrawal restrictions, fees, tax consequences, and other limitations. Guarantees are subject to the issuing insurer’s claims-paying ability and the contract’s conditions.
This website does not offer securities transactions or investment consultancy services and does not provide individualized investment, legal, accounting, or tax guidance. Consult appropriately licensed professionals about those matters. Do not replace an existing policy or move retirement funds based solely on website information.
4. Licensing, availability, and BrokerCheck
Products and services are available only where the relevant agent and insurer are appropriately licensed and authorized, and where the product is available. Current license status and permitted lines of authority should be verified with the insurance regulator for your state before proceeding.
The website identifies LaTonya Wright with National Producer Number (NPN) 6797167. An NPN is an identifier, not by itself proof of an active license in a particular state. Georgia visitors can use the Georgia insurance regulator’s official license-search resources; visitors in other states should consult their state insurance department.
FINRA BrokerCheck provides information about securities brokers, investment professionals, and firms. It is not an insurance-license registry. Our link is a research resource and does not represent that PANDOVA Group or LaTonya Wright has a FINRA registration, a BrokerCheck listing, or FINRA endorsement.
5. Inquiries and communications
Provide accurate contact information and submit inquiries only for yourself or someone you are authorized to represent. The inquiry form opens your email application; it does not send a message until you choose to send it. We cannot guarantee receipt, response time, or the availability of appointments.
Do not send medical records, Social Security numbers, bank information, payment details, or other sensitive documents through the general form or ordinary email. Our Privacy Policy explains how website inquiries and related information are handled. An inquiry is not blanket permission for unrelated marketing or a waiver of rights under communications laws.
6. Acceptable use and website materials
Do not use this website to impersonate another person, submit unlawful or misleading material, attempt unauthorized access, distribute malicious software, or interfere with the website’s operation. You may view its materials for personal, noncommercial insurance research.
Website content, branding, and media are owned by or used with permission by their respective owners. Do not reproduce or commercially distribute them without appropriate permission, except where permitted by law. Third-party logos belong to their owners and do not, by themselves, establish an endorsement or an offer of every product from that company.
7. External links
Links to regulators, carriers, scheduling providers, and other websites are provided for convenience. Their content, availability, privacy practices, and terms are controlled by those organizations. Review their terms before providing information or taking action. A link is not a guarantee of accuracy or endorsement.
8. Accuracy, availability, and limitations
We aim to provide useful information, but website content may be incomplete, outdated, or interrupted. To the extent allowed by law, the website is provided “as is” and “as available,” without guarantees of uninterrupted service, error-free content, or suitability for your individual circumstances.
To the extent permitted by applicable law, PANDOVA Group is not responsible for indirect or consequential losses resulting solely from use of, or inability to use, this website. Nothing in these terms excludes responsibility that cannot lawfully be excluded, limits rights under an insurance policy, or waives consumer protections, statutory duties, or remedies that apply to you.
9. Changes and applicable law
These terms may be updated when services, website features, or legal requirements change. Updates will be posted with a revised date. They do not retroactively alter an issued insurance policy or separately signed agreement.
Applicable federal and state laws govern your rights and any insurance transaction. Mandatory protections in your jurisdiction remain in effect. If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law.
Contact us
For questions about this page or a privacy request, contact PANDOVA Group, LLC at latonya@pandovagroup.com or 470-391-0006. Our listed location is McDonough, GA 30253. Please do not include sensitive health or financial information in your initial message.