Terms of Service
Terms of Service
Effective Date: June 29th 2026
Last Updated: June 29th, 2026
Welcome to THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC, DBA as Big Cat Financial
These Terms of Service (“Terms”) govern your use of our website, forms, landing pages, scheduling pages, SMS messaging program, email communications, phone communications, and any related services provided by THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial.
By accessing our website, submitting your information, scheduling an appointment, requesting information, opting into communications, or using our services, you agree to these Terms.
If you do not agree to these Terms, please do not use our website, submit your information, or use our services.
1. Company Information
Legal Business Name: THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC
DBA as Big Cat Financial
Email: [email protected]
Phone: (404) 915-8952
Website: www.bigcatfinancial.com
2. Services Provided
THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC provides insurance-related information, education, consultations, appointment scheduling, customer support, follow-up communications, and related services.
Our services may include, but are not limited to:
Life insurance information
Life insurance consultations
Insurance quote requests
Appointment scheduling
Appointment reminders
Customer support
Application or quote follow-up
Service-related communications
Marketing and promotional communications, when consent is provided
Submitting your information or scheduling an appointment does not guarantee insurance approval, coverage availability, premium pricing, or eligibility. Insurance products, availability, underwriting, and approval may vary by state, insurance carrier, and individual qualifications.
3. Use of Our Website and Services
By using our website or services, you agree that you will:
Provide accurate and truthful information
Use our website and services only for lawful purposes
Not submit false, misleading, or fraudulent information
Not impersonate another person or entity
Not attempt to interfere with, disrupt, or damage our website, forms, systems, or communication platforms
Not use our website or services in a way that violates any applicable law or regulation
We reserve the right to limit, suspend, or terminate access to our services if we believe these Terms have been violated.
4. Age Restriction
You must be at least 18 years old to use our website, submit your information, schedule an appointment, request insurance information, or opt in to receive SMS messages from THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial.
By using our website or services, you confirm that you are at least 18 years of age.
5. Information You Provide
When you use our website, forms, scheduling pages, or communication systems, you may voluntarily provide personal information, including but not limited to:
Name
Phone number
Email address
State of residence
Date of birth
Insurance-related information
Appointment details
Form responses
Communication history
Any other information you choose to provide
We use this information to respond to your inquiries, schedule appointments, provide requested insurance information, prepare quotes or service options, communicate with you, provide customer support, follow up regarding your request, and operate our business.
For more details about how we collect, use, store, and protect information, please review our Privacy Policy:
Privacy Policy: https://bigcatfinancial.com/privacy-policy
6. SMS Messaging Program Terms
THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC, operating under the brand name Big Cat Financial, offers an SMS messaging program to communicate with individuals who request information, submit a form, schedule an appointment, request a quote, or otherwise consent to receive text messages from our company.
By providing your phone number and checking the applicable consent box, you agree to receive text messages from THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC. Messages may be sent using automated technology and may include informational, transactional, customer service, appointment-related, and marketing communications depending on the consent you provide.
7. SMS Messaging Use Cases
SMS messages from THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial may include, but are not limited to:
Appointment confirmations
Appointment reminders
Appointment rescheduling notifications
Follow-up messages regarding your insurance inquiry
Life insurance consultation reminders
Requested insurance information
Quote or application follow-up communications
Customer support responses
Service-related updates
Marketing or promotional messages, if you separately consent to receive them
Special offers, discounts, updates, or service information, if you separately consent to receive marketing messages
8. Message Frequency
Message frequency may vary based on your interaction with our company, the services you request, and the type of communications you consent to receive.
9. Message and Data Rates
Message and data rates may apply depending on your mobile carrier and phone plan.
10. Opt-Out Instructions
You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us.
After you text STOP, you may receive one confirmation message stating that you have been unsubscribed. After that, we will no longer send SMS messages to that phone number unless you opt back in.
11. Help and Support
For help, reply HELP to any text message you receive from us.
You may also contact us directly:
Email: [email protected]
Phone: (404) 915-8952
12. Consent Is Not a Condition of Purchase
Your consent to receive SMS messages from THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial is not a condition of purchasing any goods or services.
You may choose not to opt in to SMS communications and may still contact us by phone or email.
13. Carrier Liability Disclaimer
Mobile carriers are not liable for delayed or undelivered messages.
SMS message delivery may depend on your mobile carrier, phone plan, device, network availability, and other factors outside of our control.
14. Mobile Information and SMS Consent Data
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
Information sharing to subcontractors in support services, such as customer service, is permitted.
All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
15. Email, Phone, and Other Communications
By submitting your information, you agree that THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial may contact you using the information you provide, including by phone, email, voicemail, or other communication methods, for purposes related to your inquiry, appointment, requested services, customer support, and follow-up.
You may request that we stop contacting you by using the unsubscribe option where available or by contacting us directly at [email protected].
16. Privacy Policy
Your use of our website, services, forms, and SMS messaging program is also governed by our Privacy Policy.
Our Privacy Policy explains how we collect, use, store, protect, and disclose information.
Please review our Privacy Policy here:
Privacy Policy: https://bigcatfinancial.com/privacy-policy
17. Cookies and Tracking Technologies
Our website, landing pages, forms, and advertising pages may use cookies, pixels, analytics tools, tracking scripts, and similar technologies.
These technologies may help us understand website activity, improve user experience, measure marketing performance, support advertising efforts, and improve our services.
You can control or disable cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our website, forms, or scheduling pages.
For more details, please review our Privacy Policy:
Privacy Policy: https://bigcatfinancial.com/privacy-policy
18. Intellectual Property
All website content, including text, graphics, logos, branding, videos, forms, designs, images, and materials, is owned by or licensed to THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial unless otherwise stated.
You may not copy, reproduce, distribute, modify, publish, sell, or use our content for commercial purposes without written permission from us.
19. No Legal, Tax, Investment, or Financial Advice
Information provided through our website, forms, calls, text messages, emails, or other communications is for general informational purposes only.
Nothing on our website or in our communications should be considered legal, tax, investment, or financial advice.
Insurance product availability, pricing, eligibility, underwriting, and approval may vary by state, insurance carrier, and individual qualifications.
We do not guarantee insurance approval, policy issuance, coverage availability, premium amounts, or financial outcomes.
20. Third-Party Services
Our website and systems may use third-party service providers, including but not limited to:
Website hosting providers
CRM platforms
Scheduling systems
Communication and SMS providers
Email platforms
Analytics tools
Advertising platforms
Insurance carriers
Technology and customer support providers
We are not responsible for the actions, availability, errors, policies, terms, privacy practices, or service interruptions of third-party providers.
21. Communication Delivery Disclaimer
We do not guarantee that all calls, emails, text messages, reminders, or other communications will be delivered successfully or on time.
Delivery may be affected by mobile carriers, internet providers, spam filters, incorrect contact information, device settings, platform errors, or third-party service issues.
22. Data Security
We use reasonable administrative, technical, and physical safeguards designed to help protect the personal information we collect.
However, no method of internet transmission, electronic storage, website hosting, CRM system, email, phone, or text messaging communication is completely secure. Therefore, we cannot guarantee the absolute security of your information.
If we become aware of a data security incident involving your personal information, we will take reasonable steps to investigate, respond, and notify affected individuals when required by applicable law.
23. Limitation of Liability
To the fullest extent permitted by law, THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of our website, services, forms, communications, SMS messaging program, or third-party platforms.
Your use of our website and services is at your own risk.
24. Indemnification
You agree to indemnify and hold harmless THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC DBA as Big Cat Financial, its owners, employees, contractors, agents, service providers, and affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from your use of our website or services, your violation of these Terms, your submission of false or inaccurate information, or your violation of any law or third-party rights.
25. Changes to These Terms
We reserve the right to update or modify these Terms at any time.
Updated versions will be posted on this page with a revised effective date.
Your continued use of our website or services after changes are posted means you accept the updated Terms.
26. Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Georgia, without regard to conflict of law principles.
27. Contact Information
If you have questions about these Terms, our services, or our SMS messaging program, please contact us at:
THOMAS CONSULTING MANAGEMENT AND HOLDINGS LLC
DBA as Big Cat Financial
Email: [email protected]
Phone: (404) 915-8952
Website: www.bigcatfinancial.com