These Terms of Use ("Terms") govern your use of the website at lightsoutffl.com (the "Site"), operated by FFL Lights Out, an independent insurance agency operating in partnership with Spektra Insurance Solutions ("we," "us," or "our"). By using the Site or submitting the recruiting form, you agree to these Terms. If you do not agree, please do not use the Site.
Eligibility
You must be at least 18 years old to use the Site or submit your information. By submitting the form, you represent that you are 18 or older and that the information you provide is accurate and belongs to you, including the phone number you enter.
What this Site is
The Site provides information about recruiting and career opportunities with FFL Lights Out and Spektra Insurance Solutions and lets you express interest in those opportunities. Submitting the form starts a conversation; it is not an application for, or an offer of, employment, appointment, or any contract.
No income or earnings guarantee. Any references to earnings, commissions, or success reflect potential outcomes only. Income depends on individual effort, skill, licensing, market conditions, and other factors, and is not guaranteed. Insurance agents are typically independent contractors, not employees, unless otherwise stated in a written agreement.
Text messaging (SMS) terms
If you opt in, you agree to receive recruiting-related calls and text messages at the number you provide, including via automated technology. Consent is not a condition of any purchase or of employment. Message frequency varies, and message and data rates may apply.
Reply STOP at any time to opt out of text messages, or HELP for assistance. Mobile carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle your information.
Your responsibilities
- Provide accurate, current information
- Only submit a phone number and email address that belong to you and that you are authorized to use
- Use the Site lawfully and not interfere with its operation or security
No affiliation with the NFL or the Chargers
FFL Lights Out is an independent insurance agency. It is not affiliated with, sponsored by, endorsed by, or otherwise associated with the National Football League, the Los Angeles Chargers, or any related entity. Any names, nicknames, or references are used to identify the individual associated with this agency and do not imply any such affiliation.
Intellectual property
The content, design, logos, and materials on the Site are owned by or licensed to FFL Lights Out and Spektra Insurance Solutions and are protected by applicable laws. You may not copy, reproduce, or use them without our prior written permission.
Disclaimers
The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
Limitation of liability
To the fullest extent permitted by law, FFL Lights Out and Spektra Insurance Solutions will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of the Site.
Governing law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any disputes will be subject to the exclusive jurisdiction of the state and federal courts located in San Diego County, California.
Changes to these Terms
We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision, and changes take effect when posted to this page. Your continued use of the Site means you accept the updated Terms.
Contact us
Questions about these Terms can be sent to:
FFL Lights Out · c/o Spektra Insurance Solutions
3131 Camino Del Rio N, Ste 1680, San Diego, CA 92108
recruiting@spektrafin.com