Terms & Conditions
Last updated: [REPLACE: DATE]
These Terms & Conditions ("Terms") govern your use of FixMyLifePolicy.com (the "Site") and the telephone help line we operate. The Site is owned and operated by [REPLACE: LEGAL ENTITY] ("we," "us," or "our"). By using the Site or calling our help line, you agree to these Terms. If you do not agree, please do not use the Site.
1. What We Are — and What We're Not
We are an independent insurance brokerage staffed by licensed insurance agents. We are not your insurance carrier, and we are not affiliated with, sponsored by, or endorsed by any insurance company. Calling our help line does not change, cancel, or create any insurance policy. Any change to a policy happens only through the procedures of the relevant insurance carrier, with your authorization.
2. Free Consultation; How We're Compensated
Calls to our help line and the information our advisors provide on those calls are free of charge, with no obligation to purchase anything. If you later choose to purchase, replace, or modify an insurance product through one of our advisors, the advisor or our brokerage may receive a commission from the insurance carrier. This compensation does not change the premium you pay to a carrier.
3. Informational Purposes Only — Not Professional Advice
Content on the Site is provided for general informational purposes. It is not, and should not be relied on as, legal, tax, accounting, or investment advice. Insurance products, features, riders, and availability vary by state and by carrier, and your individual circumstances matter. For decisions with legal or tax consequences — such as policy ownership changes, beneficiary designations involving trusts or estates, or surrendering a policy with cash value — consult a qualified attorney or tax professional.
4. Eligibility
The Site and help line are intended for residents of the United States who are 18 years of age or older. Our advisors can only discuss and transact insurance business in states where they hold the appropriate licenses.
5. Telephone Communications
When you call us, you consent to us returning your call at the number you used or provided, including calls to a mobile number. Where permitted and disclosed, calls may be recorded or monitored for quality and compliance. Standard carrier charges from your phone provider may apply to calls you place.
6. Accuracy of Information
We work to keep the Site accurate and current, but we make no guarantee that all content is complete, current, or error-free. Insurance regulations and product offerings change. The terms of any insurance policy are governed solely by the policy documents issued by the carrier — if anything on this Site conflicts with a policy document, the policy document controls.
7. Intellectual Property
The Site, including its text, design, graphics, and logos, is owned by us or our licensors and is protected by copyright and trademark law. You may view and print pages for your personal, non-commercial use. You may not copy, republish, scrape, or create derivative works from the Site without our prior written permission.
8. Acceptable Use
You agree not to use the Site or help line to: provide false or misleading information; attempt to access systems or data not intended for you; interfere with the Site's operation; or violate any applicable law. We may suspend or refuse service to anyone who violates these Terms.
9. Third-Party Links and Services
The Site may reference or link to third-party websites or services, including insurance carriers. We are not responsible for the content, policies, or practices of third parties. Your dealings with any carrier are governed by that carrier's own terms and your policy documents.
10. Disclaimer of Warranties
THE SITE AND HELP LINE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR HELP LINE. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING ANY NON-WAIVABLE RIGHTS YOU HOLD UNDER STATE INSURANCE LAW.
12. Indemnification
You agree to indemnify and hold us harmless from claims arising out of your violation of these Terms or your misuse of the Site, to the extent permitted by law.
13. Governing Law and Disputes
These Terms are governed by the laws of the State of [REPLACE: STATE], without regard to conflict-of-law principles. Any dispute arising under these Terms will be brought in the state or federal courts located in [REPLACE: COUNTY/STATE], and you consent to the jurisdiction of those courts. Nothing in this section limits any rights you may have to file a complaint with your state's department of insurance.
14. Changes to These Terms
We may revise these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
15. Contact Us
[REPLACE: LEGAL ENTITY]
Phone: (000) 000-0000
Email: [REPLACE: EMAIL]