Last updated: 08/13/2023
IMPORTANT:PLEASE READ THESE TERMS OF USE (“TERMS OF USE”) CAREFULLY BEFORE USING THE INSURELIFE WEBSITE, APP,OR PROCURING ANY GOODS OR SERVICES THROUGH THE INSURELIFE PLATFORM.BY CLICKING THE “ACCEPT” “I ACCEPT” OR “I AGREE” BUTTON OR A SIMILAR BUTTON OR FEATURE, OR BY USING THE INSURELIFE WEBSITE AND/OR PROCURING ANY GOODS OR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS OFUSE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, DO NOT PURCHASE ANY GOODS OR SERVICES OR USE THE INSURELIFE WEBSITE FOR ANY PURPOSE.
Access to and use of the InsureLife Website, InsureLife Platform and the InsureLife mobile applications (collectively, the “Site”) and related services is only for users over the age of eighteen (18) in the UnitedStates of America. If you are younger than eighteen (18) years of age, you may not register for or use any of portions of Site in any capacity. By using the Site, you expressly represent and warrant to InsureLife that you are eighteen (18) years of age or older and a resident of the United States.
For purposes of these Terms of Use, all users of the Site are referred to as “User” or “you”. By using the Site, you acknowledge and agree that you are entering into a legally binding agreement with InsureLifeInc., on behalf of itself and its affiliates (“InsureLife” “us”or “we”), concerning your access to and use of the Site. You further agree that InsureLife may provide you with required notices and terms about theSite electronically, either by posting such notice on the Site, or by contacting you via the information you have provided to us (email, text messaging, etc.). These Terms of Use may be amended at any time by us as described in these Terms of Use. Unless provided for otherwise herein and for the avoidance of doubt, the term “Site” includes any and all portions of the InsureLife Website at insurelife.io as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected hereto.
1.1 The Site provides an online platform (the “Platform”) that provides businesses or companies ("Companies") to engage consumers("Consumers") with various financial services products and services sold by third-party insurers ("Insurers") and connects Consumers with licensed insurance producers or agents (each, an “Agent”, and collectively the“Agents”). The Platform also provides Agents with leads for Consumers interested in various financial services products and services sold by third-party Insurers.
1.2. Insurers are independent third parties and are not employees, agents or representatives of InsureLife. InsureLife is a licensed independent insurance broker and is not an employee of the Insurers. We do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the Site or through the Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting Insurer following application. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed.
You acknowledge and agree that the Insurer is the supplier of its Products and Services (not InsureLife), and that the Products and Services are exclusively subject to the applicable terms of sale provided by the Insurer. You agree that InsureLife has no control over, and is not responsible for, any acts or omission of the Insurer, for any deficient Products and Services, or for inaccurate, incomplete or erroneous content related to the Products and Services provided by an Insurer.
1.3. In order to use the Platform, you must register as a user with InsureLife. When you register with InsureLife, you must provide InsureLife certain information (including personal information), which may include the following: your name, email address, phone number, date of birth, postal address, and license information; a username and password to access the Platform. You consent to InsureLife’s use of your information (including personal information) to provide the services described herein, including the sharing of relevant personal information with Insurers. You acknowledge and agree that InsureLife may use the personal information you provide to communicate with you, and such acceptable methods of communication with you include telephone, electronic communication (e.g., email), or text message. You acknowledge and consent that InsureLife may record and monitor conversations between us to maintain or improve the quality of the Platform, for issue resolution, or to promote and provide the Platform to you. You are solely responsible for all activities conducted under your account or username, and you must take all necessary steps to ensure that your account, username, or password are not compromised. You must immediately and without delay, inform InsureLife if your account has become compromised. InsureLife may, at any time, change any account access protocols, or any username or password assigned by InsureLife to an Agent.
1.4. You may use the Site, and the information, writings, images and/or other works that you see, hear, post, or otherwise experience on the Site (collectively, the “Content”) solely for your own internal business purposes and/or to sell the Products and Services identified, described, or otherwise profiled on the Site to Consumers solely in compliance with these Terms of Use.
1.5. The Site and the Platform is hosted in the United States. The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.Accordingly, if you choose to access the Site from other locations, you do soon your own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.
2.1. By accessing the Site, you agree that you will not, directly or indirectly, undertake (or cause a third party to undertake) any of the following: (i) use the Site in violation of these Terms of Use; (ii) copy, modify, create a derivative work from, reverse engineer or reverse assemble the Site, or otherwise attempt to discover any source code, or allow any third party to do so; (iii) sell, assign, sublicense, distribute, commercially exploit, grant a security interest in or otherwise transfer any right in, or make available to a third party, theContent or Service in any way; (iv) use or launch any automated system that accesses the Site in a manner that sends more request messages to InsureLife’s servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser; (v) use the Site in any manner that damages, disables, overburdens, or impairs any Company website or interferes with any other party’s use and enjoyment of the Site; (vi) mirror or frame the Site or any part of it on any other web site or web page; (vii)attempt to gain unauthorized access to the Site or access the Site by any means other than through the interface that is provided by InsureLife for use in accessing the Site; (viii) use the Site for any purpose or in any manner that is prohibited by these Terms of Use; (ix) use the Content or the Site in any manner that may violate patent, copyright, trademark, and other laws; and (x) use the Site for any purpose or in any manner that is unlawful.
2.2. Without limiting Section 2.1 of these Terms of Use or any other provision herein, you further agree that you will not, directly or indirectly, use the Site (or cause a third party to use the Site) in a manner that (i) is threatening, abusive, harassing, stalking, or defamatory; (ii) is deceptive, false, misleading or fraudulent; (iii) is invasive of another's privacy or otherwise violates another’s legal rights (such as rights of privacy and publicity) or inputs vulgar, obscene, indecent or unlawful material into the Content; (iv) infringes a third party’s intellectual property right(s); (v)uploads files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another person’s computer; (vi) downloads any file that you know, or reasonably should know, cannot be legally distributed in that way; (vii) falsifies or deletes any author attributions, legal or proprietary designations, labels of the origin or source of software, or other material contained in a file or Content that isuploaded to the Site; (viii) restricts or inhibits any other user of the Site from using and enjoying it; (ix) is legally actionable between private parties; and (x) encourages, promotes, facilitates or instructs others to engage in illegal activity, or promotes, encourages, or facilitates hate speech, violence, discrimination based on race, color, sexual orientation, marital status, gender or identity expression, parental status, religion or creed, national origin or ancestry, sex, age, physical or mental disability, veteran status, genetic information, citizenship and/or any other characteristic protected by law. For the avoidance of doubt, you are hereby permitted to use the Site only for your internal business purposes and you agree that you will not willfully tamper with the security of the Site or tamper with any customer accounts related thereto; access data on the Site that is not intended for you; log into a server or account that you are not authorized to access; attempt to probe, scan or test the vulnerability of Site or to breach the security or authentication measures without proper authorization; willfully render any part of the Site unusable; or, lease, distribute, license, sell or otherwise commercially exploit the Site.
3.1. The Site, including Content is based upon proprietary technology of InsureLife. The Site is protected by applicable intellectual property and other laws, including trademark and copyright laws.The Site, including all intellectual property rights in the Site, belongs to and is the property of InsureLife and/or its licensors (if any). InsureLife and/or the applicable Insurer owns and retains all copyrights in the Content.Except as specifically permitted by these Terms of Use, the Content may not be copied, reproduced, modified, published, uploaded, posted, transmitted, performed, or distributed in any way, and you agree not to modify, rent, lease, loan, sell, distribute, transmit, broadcast, or create derivative works based on the Content or the Site, in whole or in part, by any means. The logos and designs associated with this Site, and other marks used by InsureLife and Insurers from time to time are trademarks and the property of InsureLife and/or the Insurer . InsureLife and Insurer may use and incorporate into the Site, or any of the Products and Services any suggestions or other feedback you provide, without payment or condition.
3.2. Pursuant to Title 17, United States Code, Section512(c)(2), notifications of claimed copyright infringement should be sent to InsureLife’s designated agent. ALL INQUIRIES NOT RELEVANT TO OR NOT COMPLYING WITH THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. InsureLife respects the intellectual property of others, and we ask you to do the same. InsureLife will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws. Upon receipt of notices complying with the DMCA, InsureLife will act to remove or disable access to any Content or other material found to be infringing or found to be the subject of infringing activity and will act to remove or disable access to any reference or link to Content or material that is found to be infringing. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide InsureLife the following information. Please be advised that to be effective, your notice must include ALL of the following: (i) a physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive copyright that is allegedly infringed; (ii) a description of the copyrighted work that you claim has been infringed; (iii) a description of where the material that you claim is infringing is located on the Site; (iv)your address, telephone number, and email address and all other information reasonably sufficient to permit InsureLife to contact you; (v) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and, (vi) a statement by you, made under penalty of perjury, that this information is accurate and that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. All such notices of claimed copyright infringement should be directed to: By Mail: _______________223S West St Suite 900, Raleigh, NC 27603______________. By Email: info@insurelife.io (Please include “Notice of Infringement” in the subject line). IMPORTANT NOTE: THE PRECEDING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING THE COMPANY THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES, SUCH AS PRODUCT OR SERVICE-RELATED QUESTIONS AND REQUESTS, OR QUESTIONS ON PRIVACY,WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.
4.1. You represent that you have all right, title, and interest to the feedback, comments, suggestions, ideas, concepts, or any other materials you post on the Site or provide to InsureLife or any Insurer or Consumer (“Materials”),including but not limited to any consent, authorization, release, clearance or license from any third party (such as, but not limited to, any release related to rights of privacy or publicity) necessary for you to provide, post, upload, input or submit the Materials, and that posting such Materials does not violate or constitute the infringement of any patent, copyright, trademark, trade secret, right of privacy, right of publicity, moral rights, or other intellectual property right recognized by any applicable jurisdiction of any person or entity, or otherwise constitute the breach of any agreement with any other person or entity. You further represent and warrant that you are who you say you are, that you have not submitted fictitious, false or inaccurate information about yourself, and that all information contained in the postedMaterials is true and your own work or work you are authorized to submit, and that the posted Materials do not contain any threatening, harassing, libelous, false, defamatory, offensive, obscene, or pornographic, material, or other material that would violate any other applicable law or regulation. You agree that you will not knowingly and with intent to defraud provide material and misleading information. You represent and warrant that the Materials you supply do not violate these Terms of Use.
4.2. You hereby agree that InsureLife shall own allMaterials and all associated intellectual property rights and InsureLife may use, disclose and exploit such Materials without restriction or any obligation to account to you or the individual providing the Materials, and to the extent uch use, disclosure, and exploit is not legally permissibly, you hereby assign to InsureLife all your rights, title and interest to the Materials and you agree to cooperate fully with InsureLife with respect to signing further documents and doing such other acts as are reasonably requested by InsureLife to confirm that InsureLife owns the Materials and to enable InsureLife to register and/or protect any associated intellectual property rights and/or confidential information. You will not knowingly provide InsureLife anyMaterials that is subject to third party intellectual property rights.
4.3 Agents may not sell, solicit, or negotiate a contract of insurance unless the Agent is licensed as an insurance agent for the applicable line of authority under which the insurance policy is issued, in the applicable state of purchase. Agent acknowledges that the Agent is responsible for compliance with all applicable federal and state laws and regulations governing their activities. By signing up as an Agent, you represent and warrant that you have complied with and will continue to comply with all applicable laws, statutes, regulations, and rules necessary to maintain the Agent’s license and to participate in the Platform as an Agent.
5.1. Links on the Site to third party websites or information are provided solely as a convenience to you. If you use these links, you will leave the Site. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by InsureLife of the third party, the third-party website, or the information therein. InsureLife is not responsible for the availability of any such websites, or liable for any such websites or the content thereon. If you use the aforementioned links to access third party website, you will leave the Site and will be subject to the terms of use and privacy policy applicable to those websites.
5.2. InsureLife does not guarantee or warrant that files available for downloading through the Site will be free of infection by software viruses or other harmful computer code, files or programs.
If you wish to sell Products and Services described on the Site to a Consumer, you may be asked to supply certain information, including but not limited to your address or other payment information. You agree that all information that you provide in connection with any such sale will be provided to the Insurer and will be accurate, current and complete. All monetary transactions on the Site take place in U.S. dollars. InsureLife and/or Insurer, as applicable, may in its sole discretion refuse and/or cancel any order that may lead to the unauthorized sale or distribution of the Products and Services.InsureLife or Insurer, as applicable, reserves the right to refuse to processor complete any transaction, and to cancel any transaction, in its sole discretion. Agents are prohibited from accessing this Site from territories where the Site (or any Content therein) is considered unlawful or illegal. It is Agent’s responsibility to ascertain and obey all applicable laws and regulations with respect to the purchase, sale and use of any Products and Services ordered via the Site.
7.1. AS BETWEEN YOU AND INSURELIFE, THE SITE, THE PLATFORM AND THE INSURER’S PRODUCTS AND SERVICES ARE PROVIDED ON AN “AS IS” BASIS WITH ALL FAULTS. INSURELIFE EXPRESSLY DISCLAIMS ANY AND ALL REPRESENTATIONS, WARRANTIES, OR CONDITIONS WITH ESPECT TO THE SITE, THE PLATFORM OR THE PRODUCTS AND SERVICES. INSURELIFE DOES NOT REPRESENT AND WARRANT THAT THE SITE OR THE PLATFORM WILL BE ERROR-FREE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED. INSURELIFE DOES NOT REPRESENT OR WARRANT THAT CONTENT AVAILABLE ON OR THROUGH THE SITE OR PLATFORM WILL BE CORRECT, ACCURATE, TIMELY OR OTHERWISE RELIABLE. INSURELIFE DOES NOT GUARANTEE OR WARRANT THE ACCURACY OR LEGALITY OF THE INFORMATION PROVIDED BYANY INSURER, OR THE QUALITY OR SATISFACTION WITH ANY PRODUCTS AND SERVICES OR SERVICES PURCHASED THROUGH THE SITE OR PLATFORM. INSURELIFE ON BEHALF OF ITSELF AND THE INSURERS, RESERVES THE RIGHT TO EDIT OR DELETE ANY INFORMATION OR CONTENT APPEARING ON THE SITE IN ITS SOLE DISCRETION. INSURELIFE DISCLAIMS ALL REPRESENTATION AND WARRANTIES, WHETHER EXPRESS OR IMPLIED, PAST OR PRESENT,STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR FREE.
7.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW,IN NO EVENT SHALL INSURELIFE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE,INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR OTHER TYPE OF DAMAGES,INCLUDING WITHOUT LIMITATION DAMAGES FOR COVER OR LOSS OF USE, DATA, REVENUE OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE PLATFORM OR THE USE OR PERFORMANCE OF THE SITE OR THE CONTENT OR PRODUCTS AND SERVICES AVAILABLE ONTHE SITE (COLLECTIVELY, THE “PLATFORM SERVICES”), OR FOR ANY DELAY OR IN ABILITY TO USE THE PLATFORM SERVICES WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, THE FAILURE OF ANY LIMITED REMEDY TO ACHIEVE ITS ESSENTIAL PURPOSE,OR OTHERWISE. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
7.3. IF, NOTWITHSTANDING THE OTHER PROVISIONS OF THESE TERMS OF USE, INSURELIFE IS DETERMINED TO HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY LOSS, HARM OR DAMAGE CAUSED BY USE OF THE PLATFORM SERVICES,YOU AGREE THAT THE TOTAL AGGREGATE LIABILITY OF INSURELIFE AND ITS OFFICERS,DIRECTORS, MANAGERS, EMPLOYEES, AFFILIATES, AGENTS, AND REPRESENTATIVES SHALL IN ALL CASES BE LIMITED TO ONE HUNDRED ($100) U.S. DOLLARS.
7.4 NOTHING IN THIS SECTION 7 SHALL PROHIBIT YOU FROM EXCERCISING ANY RIGHTS AND REMEDIES AVAILABLE TO YOU UNDER THE APPLICABLE INSURER TERMS OF SALE ORTHAT ARE OTHERWISE AVAILABLE TO YOU AT LAW OR IN EQUITY FOR ANY NON-CONFORMING OR DEFECTIVE PRODUCTS AND SERVICES OBTAINED FROM A INSURER VIA THE PLATFORM. YOU AGREE TO LOOK SOLELY TO THE APPLICABLE INSURER FOR ANY REQUEST FOR ANY ISSUES OR DAMAGES RELATING TO THE PRODUCTS AND SERVICES IN ACCORDANCE WITH THE APPLICABLE INSURER SALES TERMS AND HEREBY WAIVE ANY CLAIM OR CAUSE OF ACTION AGAINST INSURELIFE RELATED TO THE PRODUCTS AND SERVICES.
You understand and agree that you are personally responsible for your behavior on the Site. You agree to indemnify, defend and hold harmless InsureLife and Insurer, and InsureLife and Insurer’s parent companies, subsidiaries, affiliated companies, joint venturers, business partners, licensors, employees, agents, and any third-party information providers, from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, or inability to use the Site, the Platform, or the Content, or any violation by you of these Terms of Use.
Your privacy is important to us. Our Privacy Policy is incorporated into, subject to and made part of these Terms ofUse. In order to operate and provide the Service, we collect certain information about you. As part of the Site, we may also automatically upload information about your computer or device, your use of the Platform and performance. Any and all personal information you provide to a Site will be subject to the Privacy Policy and you consent and agree to the terms and conditions, and data processing representations, set forth in all such Privacy Policy. You agree that the terms and conditions, and data representations, set forth in the Privacy Policy may change from time to time.
10.1. TheseTerms of Use constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by InsureLife or Insurer of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.
10.2. These Terms shall be governed and construed in accordance with the laws of the State of North Carolina (without regard to conflict of law principles). If any part of these Terms of Use is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. You acknowledge and agree that all disputes regarding any Products and Services procured through the Site or any Content or these Terms of Use must be exclusively brought against the applicable Insurer and not against InsureLife. Subject to the foregoing, any and all disputes otherwise relating to the Site, the Platform, these Terms or anyContent shall be submitted to the personal and exclusive arbitration under the rules of the American Arbitration Association on a single plaintiff basis. Any such arbitration will be conducted in Raleigh, NorthCarolina. You agree to submit to the exclusive jurisdiction of arbiters in this forum and agree to waive all claims of personal or subject matter jurisdiction, to the extent permissible. You also acknowledge and understand that, with respect to any dispute arising out of or relating to your use of the Site and/or Platform:
· YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE; AND YOU MUST FILE ANY CLAIM WITHIN ONE (1) YEAR AFTER SUCH CLAIM AROSE OR IT IS FOREVER BARRED.
10.3. InsureLife may assign the Site or these Terms to a third party in our sole discretion. InsureLife’s failure to partially or fully exercise any rights or our waiver of any breach of these Terms by an Agent shall not prevent our subsequent exercise of such right or be deemed a waiver by us of any subsequent breach of these Terms.If any of the provisions of these Terms are deemed invalid, void, or for any reason unenforceable, that provision shall be severed and will not affect the validity and enforceability of any remaining term or condition. These Terms, including any other terms or policies linked or incorporated herein, shall constitute the entire agreement between InsureLife and Agent with respect to this Platform and supersede all prior or contemporaneous written or oral communications and proposals. A printed version of this Agreement and of any notice given in electronic format will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other contracts. Any rights not expressly granted herein are reserved. Agent must furnish all notices to InsureLife under this Agreement, in writing, and sent to InsureLife at info@insurelife.io. InsureLife may furnish notice to Agent, to the extent such notice is actually required by these Terms, through any reasonable means, including by directing all such notices to Agent in writing at the email addressed submitted to InsureLife during Agent’s registration to use the Platform.
10.4. INSURELIFE RESERVES THE RIGHT TO CHANGE OR MODIFY THESE TERMS OF USE, IN WHOLE OR IN PART, AT ANY TIME IN ITS SOLE DISCRETION BY POSTING AN UPDATED COPY OF THE TERMS TOTHE SITE AND ANY CHANGES OR MODIFICATIONS WILL BE EFFECTIVE IMMEDIATELY UPON POSTING. YOU WAIVE ANY RIGHT YOU MAY HAVE TO RECEIVE SPECIFIC NOTICE OFSUCH CHANGES OR MODIFICATIONS TO THESE TERMS. CONTINUED USE OF THE PLATFORM FOLLOWING ANY SUCH CHANGES CONFIRMS YOUR ACCEPTANCE OF THE CHANGES. IF YOU DO NOT AGREE TO ANY CHANGES TO THESE TERMS,YOU MUST STOP ACCESSING AND USING THE PLATFORM AND SITE.
10.5. TheContent may contain typographical errors or other errors or inaccuracies and may not be complete or current. InsureLife or Insurer therefore each reserve the right to correct any errors, inaccuracies or omissions and to change or update the Content at any time without prior notice. InsureLife or Insurer each does not, however, guarantee that any errors, inaccuracies or omissions will be corrected.
10.6. Except as otherwise provided for herein, you may contact InsureLife with regard to any questions or concerns about the Site or Platform at info@insurelife.io.
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