Terms of Service

1. Agreement to Terms

By accessing or using our services, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access our services.

2. Insurance Services

Our services include:

• Insurance policy quotes and comparisons
• Insurance application processing
• Policy management and support
• Claims assistance

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Maintain the confidentiality of your account
• Notify us of any unauthorized access
• Comply with all applicable laws and regulations

4. Limitation of Liability

We shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use our services.

5. Prohibited Uses

You agree not to use our services for any purpose that is unlawful or prohibited by these Terms. Prohibited activities include, but are not limited to:

• Providing false or misleading information
• Attempting to defraud or deceive us or any insurance provider
• Using our services for any illegal purpose
• Interfering with or disrupting the functionality of our website
• Attempting to gain unauthorized access to our systems
• Impersonating another person or entity
• Harassing, threatening, or intimidating any person

6. Service Availability and Termination

We may, at our sole discretion, modify, suspend, or terminate access to our services at any time and for any reason without notice or liability.

We may terminate or suspend your access immediately, without prior notice or liability, for any reason, including but not limited to a breach of the Terms.

Upon termination, your right to use our services will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

7. Dispute Resolution

Any dispute arising from or relating to these Terms or our services shall first be resolved through good-faith negotiations. If such negotiations fail, all disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

The arbitration shall be conducted in English and the arbitral decision may be enforced in any court. To the fullest extent permitted by law, you agree that:

• No arbitration shall be joined with any other proceeding
• There is no right or authority for any dispute to be arbitrated on a class-action basis
• No arbitration shall be conducted on a class, collective, or representative basis

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any state or federal court having jurisdiction to protect its intellectual property rights.

8. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

9. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new Terms of Service on this page with an updated "Last updated" date. Your continued use of our services after any such changes constitutes your acceptance of the new Terms.

10. Contact Information

For questions about these Terms of Service, please contact us at:

Life Insurance Services
Phone: (800) 983-1179
Email: support@lifeinsuranceservices.com