Terms & Conditions
Terms of Use
This Agreement (“Agreement”) is between you (“User”) and Heritage Life Solutions (“Company”), located at 2850 34th St N #1011 St. Petersburg, FL 33713. By using our website, products, or services, you agree to abide by the terms and conditions laid out in this Agreement. Please refrain from using our site and services if you disagree with any part of this Agreement. Company reserves the right to modify this Agreement without prior notice, and continued use of our services signifies your acceptance of such modifications.
1. Description of Service
Company provides online resources and information related to life insurance policies, including educational content, policy management tools, and client support for purchasing and managing life insurance coverage (the “Service(s)”). Access to these services is subject to your compliance with the terms outlined herein. Company reserves the right to reject any application for services at its discretion.
2. General Use of the Company Website
By accessing the Company website, you agree to use it solely for lawful purposes and in accordance with this Agreement. You are prohibited from engaging in activities such as screen scraping, data scraping, or obtaining unauthorized information from the Company’s website. Attempting to access protected areas without authorization may result in legal action.
3. Privacy and Data Use
User data provided through registration or other means is handled according to our Privacy Policy. By providing personal information, you agree to allow Company to use this data for communication, such as updates, policy information, and other necessary communications.
4. Communications and Marketing Compliance
You agree to comply with all applicable federal, state, and local telemarketing laws when using the Company’s services, including the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act. The Company does not tolerate unlawful practices, including robo-calls, unsolicited messages, or other unauthorized telemarketing methods. Violation of these rules may result in immediate termination of services and potential legal action.
5. Registration
Users may be required to register to access certain services. By registering, you agree to provide accurate information and to update this information as necessary. User data is used per the Company’s Privacy Policy.
6. Third-Party Content
Company’s website may include content from third parties. Company assumes no responsibility for the accuracy or reliability of such content. Interactions with third parties are solely between you and the third party, and Company is not liable for any issues arising from these interactions.
7. Disclaimers and Limitations of Liability
(a) Disclaimer of Warranties:
Company’s services are provided “as is” without warranties of any kind. Company disclaims any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
(b) Liability Limitations:
Company, its affiliates, and their licensors are not liable for any damages, direct or indirect, arising out of the use of the website or services, regardless of the legal theory applied. Company’s maximum liability for any claim is limited to $1,000.
8. Indemnification
You agree to indemnify and hold harmless Company and its representatives from any claims, damages, or expenses arising from your misuse of the website or services, failure to comply with this Agreement, or violation of applicable laws.
9. Intellectual Property
All materials on Company’s website, including text, graphics, and trademarks, are protected by intellectual property laws. Unauthorized reproduction or distribution is prohibited.
10. Termination
Company may terminate your access to its services without notice for violating this Agreement or engaging in unlawful conduct. This Agreement’s provisions regarding intellectual property, liability limitations, and indemnification will survive termination.
11. Governing Law and Arbitration
This Agreement is governed by the laws of the State of Florida. Any dispute shall be resolved exclusively through binding arbitration per the rules of the American Arbitration Association, waiving the right to a jury trial or class action.
12. Modification of Services
Company reserves the right to modify or discontinue its services at any time without liability to you or any third party.
13. Miscellaneous
If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions will continue in full force. This Agreement constitutes the entire understanding between you and Company concerning the subject matter and supersedes all prior agreements.
14. Electronic Signature Consent
By agreeing to this Agreement electronically, you consent to its terms as if you signed it by hand.
These Terms & Conditions are provided to ensure clarity on the rights and responsibilities between you and Heritage Life Solutions. If you have questions, please contact us at [email protected].