Last updated: January 1, 2026
Welcome to specials-offer.com (the "Site"), operated by US Marketing Group ("USMG," "we," "us," or "our"). Specials-Offer is a brand owned by USMG. These Terms & Conditions ("Terms") govern your access to and use of the Site, including subscribing to our newsletter or submitting any information through the Site. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.
You must be at least 18 years of age and a legal resident of the United States to use the Site or subscribe to our newsletter. By submitting our form, you represent and warrant that you meet these requirements and that all information you provide is accurate, complete, and your own.
Specials-Offer is a marketing and lead-generation service. We curate offers from third-party partners in the financial-services and insurance industries and deliver them to subscribers through a weekly newsletter and related communications.
We are not:
We do not underwrite, issue, sell, or service any of the products promoted in our newsletter. All financial and insurance products are offered by third-party partners, each of whom is solely responsible for their own products, terms, pricing, eligibility requirements, and customer service.
Content delivered through the Site or our newsletter is for informational and promotional purposes only. It is not, and should not be construed as, financial, legal, tax, accounting, or insurance advice. Always consult a licensed professional before making decisions about any financial or insurance product. Your individual circumstances may make a particular offer unsuitable for you even if it is generally available.
When you submit our subscription form and check the consent box, you expressly consent to receive marketing communications from Specials-Offer, USMG, and our partners, including:
Your consent to receive these communications is not a condition of purchasing any product or service. Standard message and data rates may apply. You may opt out at any time by following the unsubscribe instructions in any email or replying STOP to any text message. To opt out of phone calls from a specific partner, contact that partner directly.
Offers presented in our newsletter are provided by third-party partners. If you click on a partner offer, follow a link to a partner's website, or otherwise engage with a partner, you are entering into a separate relationship with that partner subject to their own terms and privacy practices. We are not a party to any agreement, application, or transaction between you and a partner.
We do not control and are not responsible for partner products, services, pricing, claims, decisions, customer service, or the accuracy or completeness of information they provide. Any claim or dispute arising from a partner's products or services must be resolved directly with that partner.
Specials-Offer is compensated by our partners. We may earn a fee when subscribers click on an offer, submit a quote request, complete an application, or purchase a product. This compensation may influence which offers we feature and how prominently we feature them. We try to surface offers that are genuinely competitive, but featured placement is not an endorsement, and we are not an unbiased comparison service. You should independently evaluate any offer and compare it with alternatives before applying or purchasing.
We make no guarantee that:
Final terms, eligibility, rates, and approval are determined solely by the partner offering the product. Always review the partner's official disclosures before acting.
You agree not to:
The Site and all content on it — including text, graphics, logos, images, design, code, and the "Specials-Offer" name and marks — are owned by USMG or its licensors and are protected by U.S. and international intellectual-property laws. You may not reproduce, distribute, modify, display, or use the Site or its content except as expressly permitted by these Terms.
The Site and our emails contain links to third-party websites. We do not control those sites and are not responsible for their content, accuracy, privacy practices, or terms. Your use of any third-party site is at your own risk and subject to that site's terms.
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, USMG DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT THE SITE WILL MEET YOUR REQUIREMENTS OR THAT ANY OFFER WILL BE AVAILABLE OR SUITABLE FOR YOU.
TO THE FULLEST EXTENT PERMITTED BY LAW, USMG, ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING FROM OR RELATED TO YOUR USE OF THE SITE, OUR NEWSLETTER, OR ANY PARTNER OFFER, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL CUMULATIVE LIABILITY UNDER THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless USMG, its affiliates, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to your use of the Site, your violation of these Terms, or your violation of any rights of another.
We may suspend or terminate your access to the Site or our newsletter at any time, with or without notice, for any reason, including violation of these Terms. You may unsubscribe and terminate your use at any time by following the unsubscribe instructions in any email.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be communicated through the Site when appropriate. Your continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the State of [State — replace before launch], without regard to its conflict-of-laws principles. Any dispute arising from or related to these Terms or the Site will be resolved exclusively in the state or federal courts located in [County, State — replace before launch], and you consent to the personal jurisdiction of those courts. You agree to waive any right to a trial by jury and any right to participate in a class action.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and USMG regarding the Site and supersede any prior agreements.
Questions about these Terms? Contact us at:
Specials-Offer.com
c/o US Marketing Group
[Mailing address — replace before launch]
Email: legal@specials-offer.com
Disclaimer: These Terms are provided as a starting template. Before publishing, have them reviewed by qualified legal counsel familiar with the lead-generation, financial-services, and insurance industries. Several bracketed fields above must be completed with your actual business details before launch.