Agreement between User and www.advice4lifeinsurance.com
Welcome to www.advice4lifeinsurance.com. The www.advice4lifeinsurance.com website (the “Site”) comprises various web pages operated by Advice4LifeInsurance.com. www.advice4lifeinsurance.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of www.advice4lifeinsurance.com constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.
www.advice4lifeinsurance.com is a Blog Site.
The goal of the site and owners is to provide advice and tools to help prospective clients find the life insurance that is right for them and fits their budget. There is no guarantee that this objective will be obtained. Results of those who use this site assume all risk of use. No guarantees are made except where explicitly stated in independent contracts.
Visiting www.advice4lifeinsurance.com or sending emails to Advice4LifeInsurance.com constitutes electronic communications. You consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email, and on the Site satisfy any legal requirement that such communications be in writing.
Children Under Thirteen
Advice4LifeInsurance.com does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.advice4lifeinsurance.com only with the permission of a parent or guardian.
All life insurance policies have a 30-day money-back guarantee.
Links to Third Party Sites/Third Party Services
www.advice4lifeinsurance.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Advice4LifeInsurance.com, and Advice4LifeInsurance.com is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site or any changes or updates to a Linked Site. Advice4LifeInsurance.com is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Advice4LifeInsurance.com of the site or any association with its operators.
Certain services made available via www.advice4lifeinsurance.com are delivered by third-party sites and organizations. By using any product, service, or functionality originating from the www.advice4lifeinsurance.com domain, you hereby acknowledge and consent that Advice4LifeInsurance.com may share such information and data with any third party with whom Advice4LifeInsurance.com has a contractual relationship to provide the requested product, service or functionality on behalf of www.advice4lifeinsurance.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Advice4LifeInsurance.com or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends, or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Advice4LifeInsurance.com content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use and will make no other use of the content without the express written permission of Advice4LifeInsurance.com and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Advice4LifeInsurance.com or our licensors except as expressly authorized by these Terms.
The Service is controlled, operated, and administered by Advice4LifeInsurance.com from our offices in the USA. You are responsible for compliance with all local laws if you access the Service from a location outside the USA. You agree that you will not use the Advice4LifeInsurance.com Content accessed through www.advice4lifeinsurance.com in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.
You agree to indemnify, defend and hold harmless Advice4LifeInsurance.com, its officers, directors, employees, agents, and third parties for any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Advice4LifeInsurance.com reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Advice4LifeInsurance.com in asserting any available defenses.
If the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration according to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator’s award is final. Any court with jurisdiction can enter judgment based on the final award. If any legal or equitable action, proceeding, or arbitration arises from or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney’s fees. The parties agree to arbitrate all disputes and claims regarding these Terms and Conditions or any disputes arising from these Terms and Conditions, whether directly or indirectly, including Tort claims resulting from these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The Arbitrator shall determine the entire dispute, including the scope and enforceability of this arbitration provision. This arbitration provision shall survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place individually. We do not agree to or permit class arbitrations, and class/representative/collective actions THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE, AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless you and Advice4LifeInsurance.com agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. WE DO MAKE CHANGES TO THIS THIS INFORMATION FROM TIME TO TIME. ADVICE4LIFEINSURANCE.COM AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES TO THE SITE AT ANY TIME.
ADVICE4LIFEINSURANCE.COM AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. ADVICE4LIFEINSURANCE.COM AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS CONCERNING THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES, AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Advice4LifeInsurance.com reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Texas and you hereby consent to the exclusive jurisdiction and venue of courts in Texas in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Advice4LifeInsurance.com as a result of this agreement or use of the Site. Advice4LifeInsurance.com’s performance of this agreement is subject to existing laws and legal processes, and nothing contained in this agreement is in derogation of Advice4LifeInsurance.com’s right to comply with governmental, court, and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Advice4LifeInsurance.com concerning such use. If any part of this agreement is determined to be invalid or unenforceable under applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Advice4LifeInsurance.com concerning the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the user and Advice4LifeInsurance.com concerning the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Advice4LifeInsurance.com reserves the right, in its sole discretion, to change the Terms under which www.advice4lifeinsurance.com is offered. The most current version of the Terms will supersede all previous versions. Advice4LifeInsurance.com encourages you to periodically review the Terms to stay informed of our updates.
Advice4LifeInsurance.com welcomes your questions or comments regarding the Terms:
15923 Pinyon Creek Drive
Houston, Texas 77095
Effective as of August 20, 2022