Last Updated: 07/13/2023
Welcome to LifePolicies Help (“Company,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of our website, mobile applications (if any), and related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms and any other agreements referenced herein.
Note: If you are a resident of California, certain additional terms may apply to you under California law (e.g., California Civil Code Section 1798.100 et seq. for privacy, also known as the CCPA). Please refer to our Privacy Policy for more information on how we handle personal data for California residents.
1.1 Eligibility: You must be at least 18 years of age, or the age of majority in your jurisdiction, to use our Services. By using the Services, you represent and warrant that you meet this eligibility requirement.
1.2 Binding Agreement: These Terms constitute a legally binding agreement between you and the Company. If you do not agree to these Terms, you must immediately discontinue use of the Services.
We reserve the right to update, revise, or otherwise modify these Terms at any time in our sole discretion. Any changes will be effective immediately upon posting the updated Terms, and the “Last Updated” date at the top will reflect the most recent version. Your continued use of the Services after any modifications signifies your acceptance of the revised Terms.
3.1 Description of Services: LifePolicies Help provides educational resources and guidance on life insurance policies, including term, whole, and universal coverage options. We do not underwrite, sell, or issue insurance policies; we serve strictly as an informational service.
3.2 Third-Party Links: Our Services may include links to third-party websites or resources that are not owned or controlled by us. We do not endorse or assume any responsibility for the content, privacy policies, or practices of these third-party sites. Accessing them is at your own risk, and you release us from any liability arising out of your use of such websites.
By using our Services, you agree:
5.1 Our Content: The text, graphics, logos, button icons, images, audio clips, video clips, digital downloads, data compilations, and software used or displayed on our Services (collectively, “Content”) are the property of the Company or our licensors, and are protected by intellectual property laws. You may not reproduce, modify, distribute, display, or otherwise exploit our Content without our prior written consent.
5.2 Trademarks: “LifePolicies Help,” our logos, and any other product or service name or slogan contained in our Services are trademarks of the Company or our licensors, and may not be copied, imitated, or used without our prior written permission.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, NOR DO WE MAKE ANY WARRANTY AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICES.
7.1 General Limitation: TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL LIFEPOLICIES HELP OR ITS AFFILIATES, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES.
7.2 Maximum Liability: NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR TOTAL LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US FOR THE SERVICES DURING THE THREE (3) MONTHS PRIOR TO THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED DOLLARS (U.S. $100), WHICHEVER IS GREATER.
You agree to defend, indemnify, and hold harmless LifePolicies Help, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, liabilities, losses, costs, or expenses (including reasonable attorneys’ fees) arising from or related to your use of the Services, your breach of these Terms, or your violation of any third-party rights.
We reserve the right, at our sole discretion, to suspend or terminate your access to all or part of the Services at any time and for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the Services will immediately cease.
10.1 Governing Law: These Terms and any dispute arising hereunder shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
10.2 Arbitration: At our sole discretion, we may require you to submit any disputes arising from the use of these Terms or the Services, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying California law.
10.3 Venue: If any lawsuit or court proceeding is permitted under these Terms, you and we agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in [County], California.
11.1 Entire Agreement: These Terms, together with any other legal notices or policies published by us, constitute the entire agreement between you and us regarding the Services.
11.2 Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.
11.3 Waiver: Our failure to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing.
11.4 Assignment: We may assign our rights and obligations under these Terms at any time. You may not assign or transfer these Terms or any rights or obligations herein without our prior written consent.
11.5 Force Majeure: We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including mechanical, electronic, or communications failure or degradation.
If you have any questions or concerns about these Terms, please contact us at: