Terms of Service

Effective Date: September 10, 2026

1. Acceptance of Terms

"Magnificat" ("Magnificat," "we," "us," or "our") is a brand and d/b/a of Turning Point Benefit Group, Inc., a Maryland corporation with its principal office at 7210 Corporate Court, Suite A, Frederick, Maryland 21703. These Terms of Service ("Terms") govern your access to and use of the website located at https://magnificatam.com (the "Site"), and your enrollment in any related messaging program, including our SMS/text messaging program described below. By accessing or using the Site, or by opting in to receive text messages from us, you agree to be bound by these Terms and by our Privacy Policy, available at https://magnificatam.com/privacy-policy.

2. Description of Services

Magnificat, a service of Turning Point Benefit Group, Inc., provides information and services to visitors of the Site, including the ability to engage with our team through a website chat widget.

3. SMS / Text Messaging Program

This section describes the terms of our text messaging program.

      How you join: You may voluntarily provide your mobile phone number and affirmatively select a separate, optional marketing consent checkbox presented within the chat widget on https://magnificatam.com. This checkbox is never pre-selected, and agreeing to receive marketing text messages is never a condition of purchasing any product or service from us.

      Type of messages: Messages may include special offers, discounts, event promotions, and service announcements from Turning Point Benefit Group, Inc., d/b/a Magnificat.

      Message frequency: Message frequency varies.

      Cost: Message and data rates may apply.

      How to opt out: Reply STOP to any message at any time to unsubscribe.

      How to get help: Reply HELP to any message, or contact us at [email protected] or 240-792-8180.

      Separation of consent: Marketing text message consent is collected separately from, and is never bundled or combined with, any transactional consent or any other agreement.

      Messaging platform: LeadConnector serves as our messaging technology provider (Independent Software Vendor, or ISV). LeadConnector owns and maintains the chat widget and opt-in flow used to collect SMS consent on our behalf.

Examples of the messages you may receive:

      "Hi! This is Turning Point Benefit Group, Inc., d/b/a Magnificat. We're excited to share a new promotion available for a limited time. Reply STOP to unsubscribe. Message & data rates may apply."

      "Hello from Magnificat, a brand of Turning Point Benefit Group, Inc. Don't miss our latest offers and updates. Reply STOP to unsubscribe. Message frequency varies. Message & data rates may apply."

4. No Lead Buying or Selling

We do not buy, sell, rent, trade, or otherwise obtain consumer contact information from third-party lead lists, lead brokers, or affiliates. Every contact who receives a text message from us has provided their phone number and consent directly to us through our own website.

5. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. All content on the Site, including text, graphics, and logos, is the property of Turning Point Benefit Group, Inc. or its licensors and may not be copied or reused without permission.

6. Disclaimers and Limitation of Liability

The Site and its content are provided "as is" without warranties of any kind, express or implied. To the fullest extent permitted by law, Turning Point Benefit Group, Inc. shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Site or our messaging program.

7. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to its conflict-of-law principles.

8. Changes to These Terms

We may update these Terms from time to time. The "Effective Date" above reflects the date of the most recent revision. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

9. Contact Us

Turning Point Benefit Group, Inc., d/b/a Magnificat

7210 Corporate Court, Suite A, Frederick, Maryland 21703

Email: [email protected]

Phone: 240-792-8180